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Old 02-04-2021, 15:12   #1
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Health insurance options for cruisers

What do people do for health insurance while cruising. My ambition is retire in the next few years. My wife and I are in or fifties and trying figure out if we can walk away. Healthcare costs seem prohibitive would make up most of the cost associated with cruising. What options are out there for US citizens?
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Old 02-04-2021, 15:24   #2
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Re: Health insurance options for cruisers

This question gets asked an awful lot around here, particularly by Americans. You might want to peruse a few of these relatively recent threads on the same subject:

https://www.cruisersforum.com/forums...rs-197543.html

https://www.cruisersforum.com/forums...ce-190924.html

https://www.cruisersforum.com/forums...rs-225100.html

https://www.cruisersforum.com/forums...rs-226804.html

A lot of this boils down to your personal opinions regarding healthcare. Do you believe you can only get decent healthcare in the US? Then you need insurance that covers you overseas and includes (or a separate policy for) medical repatriation.

OTOH, if you accept that many places in the rest of the world have decent healthcare you can find options that cover you everywhere except the US. These can be much less expensive, but you have to consider carefully what you do if you fly back home or otherwise return to the US.

Do you (already) have chronic conditions that require require regular care and maintenance? Are you a go to the doctor for every pain person - in which case an HMO is probably more suitable, or are you looking for a true "insurance" that covers the catastrophic but you're willing to cover the everyday?

There are a ton of options to this, so you'll have to provide a little feedback before anyone can give you a detailed answer.
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Old 02-04-2021, 16:10   #3
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Re: Health insurance options for cruisers

Get a policy thru the Affordable Care Act (Obama Care)
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Old 04-04-2021, 17:34   #4
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Re: Health insurance options for cruisers

We are looking at imglobal. Lots of options. Great prices as far as insurance goes.
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Old 04-04-2021, 17:54   #5
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Re: Health insurance options for cruisers

We have had coverage with IM Global for 6 years now. Both of us have had one claim, which they paid the agreed 80%. Of the two claims we filed, one was in Mexico, one was in the US.

https://www.imglobal.com

We purchased through our boat insurance broker initially, but renew directly through IMG website.

The caveat --- we can't be in the US for more than 6 months each year. (Medical care is expensive?) For us, that's not a problem.

While in foreign countries, we "self-doctor" for the most part. Buy a Merck Manual and learn how to diagnose your basic problems, and take an Offshore Emergency Medical course from WildMed. So worth it. It will teach you what you need to have onboard.
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Old 04-04-2021, 19:18   #6
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Re: Health insurance options for cruisers

Quote:
Originally Posted by Lucid View Post
What do people do for health insurance while cruising. My ambition is retire in the next few years. My wife and I are in or fifties and trying figure out if we can walk away. Healthcare costs seem prohibitive would make up most of the cost associated with cruising. What options are out there for US citizens?
In very much the same boat as you, now 61 we have been cruising full time for 5 years. We use a GeoBlue policy, and have for several years. It is not "Obama care" compliant, so can offer some savings over the normal policies out there because they don't have to comply with all the silly rules.

You have to be out of the USA for at least 25% of the time. Coverage has been excellent, both in the USA and outside of it. We have talked to a few people who have had much cheaper policies, but when we actually looked at coverage, we we pretty appalled at what they were paying for.

Seriously, when was the last time you heard anybody say they were HAPPY with their Health Insurance???? Well... except for the writing the checks part!

We got ours through Arno Chrispeels at http://healthisinternational.com as the broker. He knows cruising sailors and our issues and has been helpful in the one or two times we needed it. He can help guide you through selecting a plan that is most appropriate for you and your plans.

No connections, just happy...
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