Kent,
I think you
mentioned in the past you use Growie Insurance and their Jack-line policy.
Check with them for offshore medical plans. If I recall correctly they
represent IMG.
There are many
options available for international healthcare. We tend to shop outside of the
USA for international insurance since the policies are much easier to understand
and cost a lot less. Our international policy is more for catastrophic stuff
and has a high deductable. We pay out of pocket for most healthcare. We have
found outside of the USA, good affordable healthcare is readily available in
most countries and is about 1/5th the price of care in the USA. The
price for our $2M policy is about $1800 per year for both of us. The deductable
is US$5,000 each.
As an added thought – I do not limit myself to the USA should I need major
treatment. There are countries in the world with very advanced healthcare
systems who can provide services compatible with or much better than USA Medicare
or private insurance options. For example, the biggest boom in Panama is travel-healthcare.
Singapore, Thailand, UAE, Malaysia, and even India have JCI accredited
hospitals. Many of these hospitals have better ratings than those in the USA,
especially in their areas of expertise.
I think I
deserve a cookie for restraining myself from going on a rant about the state of
the USA healthcare system – {smile}
With best
regards,
Mark
Skipper
Sailing Vessel
- Cream Puff - SM2K - #275
Currently cruising
- Tahiti, French Polynesia
www.creampuff.us
From:
main@AmelYachtOwners.groups.io [mailto:main@AmelYachtOwners.groups.io] On
Behalf Of karkauai via groups.io
Sent: Thursday, October 15, 2020 3:49 PM
To: main@AmelYachtOwners.groups.io
Subject: Re: [AmelYachtOwners] Offshore Health Insurance
Hi all,
I'm looking at health insurance for myself again. I've been basically
self-insuring for overseas care and have DAN Boaters insurance for emergency
medical repatriation. Iris has GeoBlue plus DAN.
Depending on deductible and copay, I'm looking at $ 7-8K premium, plus $3-10K
deductible and $0-5K copay every year. That's a lot of money to pay when the
only thing I could imagine costing that much overseas would be emergency
surgery. Anything else and we would fly home to let Medicare pay for it.
I'd be interested to know what everyone else is doing.
Thanks for your thoughts.
Kent&Iris
Kristy
SM 243
Hoping to sail S again in Nov depending on COVID rules in Caribbean and beyond.