My wife and I were ready to go cruising this fall untill I found out that because my company closed I was not eligable for cobra, and when I applied for individual ins I was told I could not get it because 4 yrs ago I had a couple of episodes of irregular heartbeats.No problems for 4 years,I just turned 60, I look 50 and I'm in great shape. Because of this I can't get any insurance regardless of deductable etc. Has anyone encountered this? We have friends who are about our age going without insurance but I just cant bring myself to do that, we have enough to cruise indefinately with reasonable health insurance, about a grand a month. Any Ideas from anyone would be appreciated. Hate to think my dream is over cause of 3 grand a month health ins
Last edited by adminforum; 09-22-2009 at 02:18 PM.
One thought is to try Aetna Affordable Care - it's not the big Aetna monolith, it's a company they bought a few years ago.
Paloma, '79 Bristol 29.9, berthed at Bahia Marina - easy access to Corpus Christi Bay and the Gulf of Mexico.
As to some of your actual questions based on leaving the USA and sailing to other countries - First good medical services are available in most island countries and Central & South American countries. Usually they are two -track systems with free service in the public clinics and hospitals and slightly better service at bargain prices in "private hospitals". Overall, medical services average about 10% or less of USA prices. In most 3rd world countries - almost and sometimes absolutely - anything is available "over the counter" if you can describe the drug in their language and /or show them an old container. And at prices of anywhere from half to 10% of USA prices.
- - Drugs can be mailed/shipped to you anywhere in the world - whether you actually receive them while you are still alive can be problematical. If you use private courier services such as DHL, FedEx, etc. you have a high reliability rate of delivery for which you will pay dearly. For pubic mail systems and their miniscule prices compared to Courier Services, the track record on delivery is spotty. Most get through in a month or two but some simply never make it.
- - International medical insurance is available to cover you when you are not in the USA or its territories. The prices of the coverage is highly variable as stated by others. The biggest variable is if you want "whole world" coverage (includes USA and Canada) or "anywhere except USA/Canada". The later typically has premiums that are 1/4th of the whole world coverage. See http://www.imiscorp.net/ for some policies and Google - international health insurance - to get many more versions.
- - If you choose to live outside the USA, your medical cost concerns diminish by an astronomical amount. In Central America you can get first rate and sometimes even better than USA medical treatment for co-pays under a hundred dollars. In other places "basic" health care is also free or near-free. More advanced care is available in the "private systems". And for extreme cases you should have "med-i-vac" coverage like http://www.diversalertnetwork.org/ offers.
Last edited by Osiris; 08-21-2009 at 10:40 AM.
i have two companies to recommend. lifeboat medical and multinational underwriters. i had multinational a few years ago when i contracted brain fever while in st vincent. they lifeflighted me to ft lauderdale and probably saved my life. in st vincent the care was subpar and they were unable to diagnose my condition. firstname.lastname@example.org
Check DAN, it's not for divers only.