Date   

Re: [Amel Yacht Owners] Amel 54, LONESTAR wins

Peter Forbes
 

Wow - Annsofie 15 days las Palmas to Antigua - that’s fast. Did you have a parasail or twin pole headsails? - I only have one pole so I will have to sail downwind with poled out Genoa and Gennaker the other side.

Peter
Peter Forbes
Carango  Sailing Ketch
Amel 54 #035
Gouvia Marina - CORFU, Greece

On 12 Nov 2014, at 10:57, Ann-Sofie Svanberg kanalmamman@... [amelyachtowners] <amelyachtowners@...> wrote:


Our 15 days from LasPalmas to Antigua is something to try to beat!  :) :)

/Annsofie
SM 232 Lady Annila




Skickat från min iPad

12 nov 2014 kl. 06:53 skrev "'Bill & Judy Rouse' yahoogroups@... [amelyachtowners]" <amelyachtowners@...>:

 

Peter,

Jean Pierre has a SM attitude! Unfortunately, attitude does not usually make up for waterline deficiencies.

Bill
BeBe 387

On Wed, Nov 12, 2014 at 10:32 AM, Peter Forbes ppsforbes@... [amelyachtowners] <amelyachtowners@...> wrote:
 

Jean Pierre,


I am already subscribed to the ARC so I’m afraid it is too late to change for me.

Faster - Hmmmm!!!!

Still waiting for our Onan course dates - will keep you posted if i hear first.

Peter
Peter Forbes
Carango  Sailing Ketch
Amel 54 #035
Gouvia Marina - CORFU, Greece

On 12 Nov 2014, at 07:53, Germain Jean-Pierre jgermain@... [amelyachtowners] <amelyachtowners@...> wrote:

Hello Peter,


I will be going Transat in Nov 15 from southern Canaries.  Not in ARC though.  If you have not paid your entry fee yet, we could perhaps go together.  I’d give you a couple of days lead time as my boat will be far faster than yours.  

Others may want to join us???  

“Go fast” antifouling does it every time.  :-)

Jean-Pierre Germain
Eleuthera SM 007



On 12 Nov 2014, at 07:31, Peter Forbes ppsforbes@... [amelyachtowners] <amelyachtowners@...> wrote:

 

There is hope for Carango across the pond then - we'll give it our best.

Is anyone else in Amel in ARC 2015?

Peter Forbes
00447836 209730
Carango 
Amel 54 #035
Corfu Greece

On 12 Nov 2014, at 07:11, yahoogroups@... [amelyachtowners] <amelyachtowners@...> wrote:

 

Our friend,  fellow Texan, and owner of an Amel 54, LONESTAR, beat all of the boats in the Caribbean 1500 except for a Cookson 80' sailboat.


But, Amels don't race, we save that for the Oyster owners...they need to get something for thier money. Unfortunately, Craig was about a day ahead of an Oyster 54, giving no mercy to the Oyster. Oh, and Craig beat the Sundeer 60.


Way to go, Craig Scott. BTHOC1500 (it is an aggie thing)


Bill

BeBe #387





Posted by: Peter Forbes <ppsforbes@...> 
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Re: [Amel Yacht Owners] Amel 54, LONESTAR wins

Peter Forbes
 

Bill,

I like Jean Pierre’s style - but beating Carango might be a call too far.

peter
Peter Forbes
Carango  Sailing Ketch
Amel 54 #035
Gouvia Marina - CORFU, Greece

On 12 Nov 2014, at 10:52, 'Bill & Judy Rouse' yahoogroups@... [amelyachtowners] <amelyachtowners@...> wrote:


Peter,

Jean Pierre has a SM attitude! Unfortunately, attitude does not usually make up for waterline deficiencies.

Bill
BeBe 387

On Wed, Nov 12, 2014 at 10:32 AM, Peter Forbes ppsforbes@... [amelyachtowners] <amelyachtowners@...> wrote:
 

Jean Pierre,


I am already subscribed to the ARC so I’m afraid it is too late to change for me.

Faster - Hmmmm!!!!

Still waiting for our Onan course dates - will keep you posted if i hear first.

Peter
Peter Forbes
Carango  Sailing Ketch
Amel 54 #035
Gouvia Marina - CORFU, Greece

On 12 Nov 2014, at 07:53, Germain Jean-Pierre jgermain@... [amelyachtowners] <amelyachtowners@...> wrote:

Hello Peter,


I will be going Transat in Nov 15 from southern Canaries.  Not in ARC though.  If you have not paid your entry fee yet, we could perhaps go together.  I’d give you a couple of days lead time as my boat will be far faster than yours.  

Others may want to join us???  

“Go fast” antifouling does it every time.  :-)

Jean-Pierre Germain
Eleuthera SM 007



On 12 Nov 2014, at 07:31, Peter Forbes ppsforbes@... [amelyachtowners] <amelyachtowners@...> wrote:

 

There is hope for Carango across the pond then - we'll give it our best.

Is anyone else in Amel in ARC 2015?

Peter Forbes
00447836 209730
Carango 
Amel 54 #035
Corfu Greece

On 12 Nov 2014, at 07:11, yahoogroups@... [amelyachtowners] <amelyachtowners@...> wrote:

 

Our friend,  fellow Texan, and owner of an Amel 54, LONESTAR, beat all of the boats in the Caribbean 1500 except for a Cookson 80' sailboat.


But, Amels don't race, we save that for the Oyster owners...they need to get something for thier money. Unfortunately, Craig was about a day ahead of an Oyster 54, giving no mercy to the Oyster. Oh, and Craig beat the Sundeer 60.


Way to go, Craig Scott. BTHOC1500 (it is an aggie thing)


Bill

BeBe #387





Posted by: Peter Forbes <ppsforbes@...> 
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Re: [Amel Yacht Owners] Amel 54, LONESTAR wins

Ann-Sofie Svanberg <kanalmamman@...>
 

Our 15 days from LasPalmas to Antigua is something to try to beat!  :) :)

/Annsofie
SM 232 Lady Annila




Skickat från min iPad

12 nov 2014 kl. 06:53 skrev "'Bill & Judy Rouse' yahoogroups@... [amelyachtowners]" <amelyachtowners@...>:

 

Peter,

Jean Pierre has a SM attitude! Unfortunately, attitude does not usually make up for waterline deficiencies.

Bill
BeBe 387

On Wed, Nov 12, 2014 at 10:32 AM, Peter Forbes ppsforbes@... [amelyachtowners] <amelyachtowners@...> wrote:
 

Jean Pierre,


I am already subscribed to the ARC so I’m afraid it is too late to change for me.

Faster - Hmmmm!!!!

Still waiting for our Onan course dates - will keep you posted if i hear first.

Peter
Peter Forbes
Carango  Sailing Ketch
Amel 54 #035
Gouvia Marina - CORFU, Greece

On 12 Nov 2014, at 07:53, Germain Jean-Pierre jgermain@... [amelyachtowners] <amelyachtowners@...> wrote:

Hello Peter,


I will be going Transat in Nov 15 from southern Canaries.  Not in ARC though.  If you have not paid your entry fee yet, we could perhaps go together.  I’d give you a couple of days lead time as my boat will be far faster than yours.  

Others may want to join us???  

“Go fast” antifouling does it every time.  :-)

Jean-Pierre Germain
Eleuthera SM 007



On 12 Nov 2014, at 07:31, Peter Forbes ppsforbes@... [amelyachtowners] <amelyachtowners@...> wrote:

 

There is hope for Carango across the pond then - we'll give it our best.

Is anyone else in Amel in ARC 2015?

Peter Forbes
00447836 209730
Carango 
Amel 54 #035
Corfu Greece

On 12 Nov 2014, at 07:11, yahoogroups@... [amelyachtowners] <amelyachtowners@...> wrote:

 

Our friend,  fellow Texan, and owner of an Amel 54, LONESTAR, beat all of the boats in the Caribbean 1500 except for a Cookson 80' sailboat.


But, Amels don't race, we save that for the Oyster owners...they need to get something for thier money. Unfortunately, Craig was about a day ahead of an Oyster 54, giving no mercy to the Oyster. Oh, and Craig beat the Sundeer 60.


Way to go, Craig Scott. BTHOC1500 (it is an aggie thing)


Bill

BeBe #387





Posted by: Peter Forbes <ppsforbes@...> 
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Re: [Amel Yacht Owners] Amel 54, LONESTAR wins

Bill & Judy Rouse <yahoogroups@...>
 

Peter,

Jean Pierre has a SM attitude! Unfortunately, attitude does not usually make up for waterline deficiencies.

Bill
BeBe 387

On Wed, Nov 12, 2014 at 10:32 AM, Peter Forbes ppsforbes@... [amelyachtowners] <amelyachtowners@...> wrote:
 

Jean Pierre,


I am already subscribed to the ARC so I’m afraid it is too late to change for me.

Faster - Hmmmm!!!!

Still waiting for our Onan course dates - will keep you posted if i hear first.

Peter
Peter Forbes
Carango  Sailing Ketch
Amel 54 #035
Gouvia Marina - CORFU, Greece

On 12 Nov 2014, at 07:53, Germain Jean-Pierre jgermain@... [amelyachtowners] <amelyachtowners@...> wrote:

Hello Peter,


I will be going Transat in Nov 15 from southern Canaries.  Not in ARC though.  If you have not paid your entry fee yet, we could perhaps go together.  I’d give you a couple of days lead time as my boat will be far faster than yours.  

Others may want to join us???  

“Go fast” antifouling does it every time.  :-)

Jean-Pierre Germain
Eleuthera SM 007



On 12 Nov 2014, at 07:31, Peter Forbes ppsforbes@... [amelyachtowners] <amelyachtowners@...> wrote:

 

There is hope for Carango across the pond then - we'll give it our best.

Is anyone else in Amel in ARC 2015?

Peter Forbes
00447836 209730
Carango 
Amel 54 #035
Corfu Greece

On 12 Nov 2014, at 07:11, yahoogroups@... [amelyachtowners] <amelyachtowners@...> wrote:

 

Our friend,  fellow Texan, and owner of an Amel 54, LONESTAR, beat all of the boats in the Caribbean 1500 except for a Cookson 80' sailboat.


But, Amels don't race, we save that for the Oyster owners...they need to get something for thier money. Unfortunately, Craig was about a day ahead of an Oyster 54, giving no mercy to the Oyster. Oh, and Craig beat the Sundeer 60.


Way to go, Craig Scott. BTHOC1500 (it is an aggie thing)


Bill

BeBe #387





Posted by: Peter Forbes <ppsforbes@...> 
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Re: [Amel Yacht Owners] Amel 54, LONESTAR wins

Peter Forbes
 

Jean Pierre,

I am already subscribed to the ARC so I’m afraid it is too late to change for me.

Faster - Hmmmm!!!!

Still waiting for our Onan course dates - will keep you posted if i hear first.

Peter
Peter Forbes
Carango  Sailing Ketch
Amel 54 #035
Gouvia Marina - CORFU, Greece

On 12 Nov 2014, at 07:53, Germain Jean-Pierre jgermain@... [amelyachtowners] <amelyachtowners@...> wrote:

Hello Peter,


I will be going Transat in Nov 15 from southern Canaries.  Not in ARC though.  If you have not paid your entry fee yet, we could perhaps go together.  I’d give you a couple of days lead time as my boat will be far faster than yours.  

Others may want to join us???  

“Go fast” antifouling does it every time.  :-)

Jean-Pierre Germain
Eleuthera SM 007



On 12 Nov 2014, at 07:31, Peter Forbes ppsforbes@... [amelyachtowners] <amelyachtowners@...> wrote:

 

There is hope for Carango across the pond then - we'll give it our best.

Is anyone else in Amel in ARC 2015?

Peter Forbes
00447836 209730
Carango 
Amel 54 #035
Corfu Greece

On 12 Nov 2014, at 07:11, yahoogroups@... [amelyachtowners] <amelyachtowners@...> wrote:

 

Our friend,  fellow Texan, and owner of an Amel 54, LONESTAR, beat all of the boats in the Caribbean 1500 except for a Cookson 80' sailboat.


But, Amels don't race, we save that for the Oyster owners...they need to get something for thier money. Unfortunately, Craig was about a day ahead of an Oyster 54, giving no mercy to the Oyster. Oh, and Craig beat the Sundeer 60.


Way to go, Craig Scott. BTHOC1500 (it is an aggie thing)


Bill

BeBe #387





Posted by: Peter Forbes <ppsforbes@...> 
Reply via web postReply to sender Reply to group Start a New TopicMessages in this topic (2)




Re: [Amel Yacht Owners] Amel 54, LONESTAR wins

Germain Jean-Pierre <jgermain@...>
 

Hello Peter,

I will be going Transat in Nov 15 from southern Canaries.  Not in ARC though.  If you have not paid your entry fee yet, we could perhaps go together.  I’d give you a couple of days lead time as my boat will be far faster than yours.  

Others may want to join us???  

“Go fast” antifouling does it every time.  :-)

Jean-Pierre Germain
Eleuthera SM 007



On 12 Nov 2014, at 07:31, Peter Forbes ppsforbes@... [amelyachtowners] <amelyachtowners@...> wrote:

 

There is hope for Carango across the pond then - we'll give it our best.

Is anyone else in Amel in ARC 2015?

Peter Forbes
00447836 209730
Carango 
Amel 54 #035
Corfu Greece

On 12 Nov 2014, at 07:11, yahoogroups@... [amelyachtowners] <amelyachtowners@...> wrote:

 

Our friend,  fellow Texan, and owner of an Amel 54, LONESTAR, beat all of the boats in the Caribbean 1500 except for a Cookson 80' sailboat.


But, Amels don't race, we save that for the Oyster owners...they need to get something for thier money. Unfortunately, Craig was about a day ahead of an Oyster 54, giving no mercy to the Oyster. Oh, and Craig beat the Sundeer 60.


Way to go, Craig Scott. BTHOC1500 (it is an aggie thing)


Bill

BeBe #387





Posted by: Peter Forbes <ppsforbes@...>
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Re: Main mast profile

rossienio@...
 

Thanks Craig , at the end of the week I buy the right keys and began to do the job. Do you know what keys should I use to hold the final af the shrouds and around the swivels (turnbuckles)? I've seen that there is not decimal keys, are in inches??? The rigging is the original Amel. I've also seen various SM wieth te head of the mast bent forward.....regards. Enio 


Re: [Amel Yacht Owners] Amel 54, LONESTAR wins

Peter Forbes
 

There is hope for Carango across the pond then - we'll give it our best.

Is anyone else in Amel in ARC 2015?

Peter Forbes
00447836 209730
Carango 
Amel 54 #035
Corfu Greece

On 12 Nov 2014, at 07:11, yahoogroups@... [amelyachtowners] <amelyachtowners@...> wrote:

 

Our friend,  fellow Texan, and owner of an Amel 54, LONESTAR, beat all of the boats in the Caribbean 1500 except for a Cookson 80' sailboat.


But, Amels don't race, we save that for the Oyster owners...they need to get something for thier money. Unfortunately, Craig was about a day ahead of an Oyster 54, giving no mercy to the Oyster. Oh, and Craig beat the Sundeer 60.


Way to go, Craig Scott. BTHOC1500 (it is an aggie thing)


Bill

BeBe #387



Amel 54, LONESTAR wins

yahoogroups@...
 

Our friend,  fellow Texan, and owner of an Amel 54, LONESTAR, beat all of the boats in the Caribbean 1500 except for a Cookson 80' sailboat.


But, Amels don't race, we save that for the Oyster owners...they need to get something for thier money. Unfortunately, Craig was about a day ahead of an Oyster 54, giving no mercy to the Oyster. Oh, and Craig beat the Sundeer 60.


Way to go, Craig Scott. BTHOC1500 (it is an aggie thing)


Bill

BeBe #387



Re: Offshore Health Insurance

Naomi Tabata <naomitabata@...>
 

Hi Will,

 

Absolutely agree with a previous note that it depends on your situation and level of comfort. For our three year cruise, we chose to use DAN (diversalertnetwork.org), which has a plan that provides emergency transportation to the nearest facility where you can receive excellent care. That may not be your home country. They do not pay for the care when you get there, and they will not pay to return you to your boat after treatment. You do not need to be a diver to purchase coverage. However, the annual premium is very reasonable, and we felt it was wonderful peace of mind in the event of a major incident/accident. We are relatively young and healthy, and were travelling in the south pacific where health care costs were minimal (e.g. USD$12 for a gastro scope in the Marshall Islands). Most importantly, we know of people who were very well taken care of by this company when they had a need to call on their services.

 

Cheers,
Naomi


Re: Amel Sharki

thomasgeuens@...
 

Thx  This is what I was looking for :-)


Re: [Amel Yacht Owners] Re: Offshore Health Insurance

Craig Briggs
 

Thanks Drew and Liz for your posts - great stuff.  Another quick addendem - instead of Medicare A&B, I've got Medicare Part C,  aka a Medicare Advantage Plan.  For out-of-country expenses I initially pay out-of-pocket but submit the bills for reimbursement after the fact and the insurance company pays up to the normal Medicare amounts.  Plans and premiums vary (mine is no added premium over normal Medicare) and this is likely available in some Medigap policies, although those are added cost.  Shop carefully.

And, while anectdotal evidence in these insurance discussions will always yield good and bad accounts, fwiw, we had excellent experience with IMG for the first 10 years of cruising.  As we aged their rates got too high so when I went on Medicare Advantage and we switched Katherine to Blue Cross (still pricey).

Cheers,
Craig Briggs,  SN#68 Sangaris


Re: Main mast profile

Craig Briggs
 

Hi Enio,
While your pictures do look like the mast is pulled back at the upper spreaders, I'm sure you'll find that it is a combination of the lowers holding the mast too far aft and/or the headstay and backstay holding the top of the mast too far forward. (There being no stays exerting fore and aft force at the upper spreaders.)

Re-tune by first totally easing the mizzen backstays so the triactic is slack.  Then slacken the main lowers and the main headstay and backstay. You can leave the intermediates as is.  Next, get the mast in column fore and aft by tightening the head and back stays.  Then tighten the lowers, keeping it in column.  Check side-to-side as well as fore and aft as you tune.  

Before re-tensioning the mizzen backs, loosen the mizzen lowers, get it in column with the backs and finally adjust the lowers.

As a short cut, you might just try to get it back in column by adjusting the lowers, taking up on the forwards and easing the afts.

Cheers,
Craig - SN#68 Sangaris


Re: [Amel Yacht Owners] AW: [Amel] Osmosis protection

Herbert Lackner
 

Hi Joel,

 

moisture measurement has been done, I got the fotos and uploaded them to

 

https://groups.yahoo.com/neo/groups/amelyachtowners/photos/albums/1059967243

 

The boat is now out of the water for two weeks, but there is a thick layer of old antifouling on it that may still cause some moisture.  When we bought KALI MERA two years ago a professional measurement has been done after three days out of the water and moisture readings were too high, but when the antifouling has been removed at these spots the readings were within limit.

 

Measurement have now been made with

 

“Tramex Skipper Moisture Meter”, I do not know how realiable this is, for me it seems to be not a professional instrument.

 

As far as I can see the higher readings are all from the keel where the water tank is inside.

 

Hope that the pictures can be used for an advice, I cannot take better  ones as I am in Vienna now…

 

thanks, herbert

 

KALI MERA, SN120, Kusadasi

 

Von: amelyachtowners@... [mailto:amelyachtowners@...]
Gesendet: Dienstag, 4. November 2014 12:08
An: amelyachtowners@...
Betreff: Re: [Amel Yacht Owners] AW: [Amel] Osmosis protection

 

 

Yes, you have the proprietary Amel anti-osmosis barrier behind the gel coat. If your boat has been out of the water for days, use a moisture meter to sample the bottom and share the results with me. I can give you the best advice after....

Joel F. Potter

THE AMEL GUY

954 812 2485

iPhone 


On Nov 4, 2014, at 5:13 AM, "'Herbert Lackner' herbert@... [amelyachtowners]" <amelyachtowners@...> wrote:

 

Hi Joel,    I hope that you are reading this and maybe have an answer   (according to Bill you may be the only one who knows J )

 

We are now removing all the old antifouling and would like to know if the Santorin (Nr. 120, built 1995) has the same “anti-osmotic-barrier” behind the gelcoat like the SM.

 

The information is important to me because I would like to know if I have to put (expensive) 5 layers of Gelshield200 on the Gelcoat or not (or maybe only one layer) before painting new antifouling. 

 

Thank you very much,

 

Herbert

KALI MERA, SN120, Kusadasi

 

 

Von: amelyachtowners@... [mailto:amelyachtowners@...] Im Auftrag von Bill & Judy Rouse
Gesendet: Dienstag, 15. Oktober 2013 08:25
An: amelyachtowners@...
Betreff: Re: [Amel] Osmosis protection

 

 

I removed all of the antifouling in 2011 on BeBe, Super Maramu, which was delivered new in Jan 2003. Gelcoat is, at best, about 90% vapor proof, so normally there is a need for a barrier coat, however, not so on all Super Maramus.  Amel used a proprietary anti-osmotic behind the gelcoat which is 99% vapor proof. I am not sure if your Santorin has this coating behind the gelcoat or if it will require an epoxy "barrier coat" over the gelcoat. I believe that this depends on when the Santorin was manufactured and the resins that were available at that time. The only person that I know that can tell you this is Joel Potter.

 

Normally yards remove the antifouling and down to the fiberglass by scraping it off, either by hand or with an electrical scraper...sometimes a grinder. If you are not doing this yourself, I recommend supervision 100% of the time as you do not want them to damage the gel coat. Any scratch deep enough "that can be filled in the gel coat" should be filled with proper epoxy, then faired smooth.

 

If you do require a barrier coat, I recommend International Paints Gel Seal 200.

 

When you ask for recommendations for antifouling, you will get many because it seems that the product someone uses, they tend to support...human nature, people do not like being wrong. I have a friend that will pay $1,000+ to have his boat hauled then shop antifouling by price sometimes paying as little as $100/gallon...I certainly do not recommend this.

 

I always recommend International Paints Micron 77 for the tropics...and I use it exclusively around the world. We used Micron 66 then Micron 77 when 77 replaced 66. It will cost more than most antifoulings, but the one thing that is always true with antifouling is that you will get what you pay for. If you use Micron 77, be sure to read the product information sheet completely...do not use thinners and do not apply the layers too thick or too thin...if using a roller, you can create bubbles in the paint by using the wrong roller or rolling too fast. Read the product sheet and be an expert before your painter starts. He might think that you are a pain, but it is your boat, not his! A Super Maramu requires 20 liters.

 

I can walk through a marina and pick our Micron 77 users...the hulls will be cleaner. You might try this, but only if you are in the tropics. Walk through a marina and ask the people with the cleanest hulls what they use, when they applied it and the last time the hull was cleaned...that is the way to get your best answer.

 

Hope this helps you.

 

Bill

BeBe, #387

 

On Tue, Oct 15, 2013 at 5:20 AM, <herbert@...> wrote:

 

dear all,

when we purchased the boat the surveyor recommended to renew the osmosis protection (put down all the old antifouling and paint it with epoxy...) when the boat is complete dry after winter storage. Has anyone experience with that? What material did you use, which tools...?

what antifouling is best for the amel in the carribean?

thx, herbert
santorin 120

 


Re: [Amel Yacht Owners] Re: Offshore Health Insurance

Stephen Davis
 

Just a little addendum to the very good info posted by SY Revelation:

For US citizens and legal residents, Obamacare IS available in every state, red and blue. (For those who aren't US voters, a red state is majority Republican political party; a blue state is majority Democrat political party.) The red states that didn't want to set up their own health insurance exchanges didn't have to, and citizens of those states are directed to use the federal government's health insurance exchange at Healthcare.gov rather than an exchange set up by their state government.

What's NOT available in many red states is expanded MediCaid coverage. MediCaid is different than Medicare. Medicaid is for poor people, Medicare is for senior citizens. If you're both old and poor, you can potentially have both. Originally, the Affordable Care Act expanded MediCaid (the one for poor folks) to make everyone earning less than 138% of federal poverty level eligible. (People earning between 100% of poverty level and 400% of poverty level are given subsidies to help pay their health insurance premiums.) However, the Supreme Court struck down the part of the law that required states to expand Medicaid coverage to everyone earning less than 138% of poverty level; it made Medicaid expansion voluntary. Thus, most red states chose not to expand Medicaid, and most blue states expanded it. Therefore, what's not available in red states is Medicaid coverage for everyone earning less than 138% of poverty level. Most red states chose to stick with the old, complicated Medicaid rules that included not just income limits, but demanded you also be aged, disabled, blind, pregnant, a child, or a caregiver of a young child to be eligible. You can get Obamacare in any state, but you can't get Medicaid in red states if you don't meet the stricter, old-fashioned guidelines.

As a side-effect of that SCOTUS ruling and the way the ACA was worded, in Republlican states, the poorest of the poor get absolutely no help from the ACA. Since most Republican lead states chose not to expand Medicaid, those folks don't get Medicaid. However, since subsidies to help pay for normal health insurance on health insurance exchanges aren't available unless your income is between 100%-400% of poverty level, the folks making less than 100% of poverty level aren't eligible for a subsidy. The lawmakers who wrote the ACA assumed those folks would be covered by MediCaid, but that assumption is now false in red states that chose not to expand Medicaid. In those states, they don't qualify for Medicaid under the old rules, and they don't qualify for a subisdy to help pay for health insurance outright.

Re: catastrophic health insurance mentioned by someone earlier. The ACA limits your eligibility to buy a catastrophic health insurance policy because lawmakers wanted everyone to have comprehensive, major medical coverage. The only folks allowed to buy a catastrophic policy (on an exchange in the USA, anyway) are people under 30 years old and people who've managed to get a hardship exemption from the mandate to have health insurance coverage. (If you're older than 30, apply for a hardship exemption through your health insurance exchange and when it's granted, you'll be eligible to buy a catastrophic policy.)

One benefit for many US citizens and legal US residents is the availability of subsidies to help you pay monthly health insurance premiums. These subsidies are based only on income, not assets, so if you can manage to keep your income modest while you're cruising, you might just be eligible for a a subsidy to help offset the cost of your health insurance. "Modest" means below 400% of poverty level. In 2014, poverty level in the lower 48 states is $15,730 for a family of 2, so a couple would likely be eligible for a subsidy to help pay for health insurance with an income below $62,920 (give or take.) The lower your income is, the bigger a subsidy you get.

To get the subsidy, you have to apply through your state's health insurance exchange (or HealthCare.gov if your state doesn't have an exchange of its own.) You can only use the subsidy to buy health insurance on the exchange. It can't be used, for example, to buy a policy like Ann-Sofie has through Pantaneus. It can't be used to pay for a catastrophic policy even if you buy that policy on the exchange.

If you get a subsidy, you can take in in one of two different forms. You can choose to have the money paid from the government directly to your health insurer every month. This would mean you, yourself, make smaller monthly payments to your insurer. This is known as the "advance payment" option. Or, you can choose to take it as a tax refund when you file your income taxes on April 15th. Since the "advanced payment" option is based on your estimated income for the year, if you choose to have it paid directly to your insurer and you under-estimate your income for the year, you potentially could have gotten too big of a subsidy. In that case, you may have to pay some of it back when you file your income taxes at the end of the year. If you choose to just take it as a tax refund, since the year is already over by the time the subsidy is distributed, you won't risk having to pay any of it back.

If you buy a policy, subsidized or not, on your state's exchange or HealthCare.gov, you'll still have to read the fine print of each policy option and choose a policy wisely. Many don't cover care out of the country at all. Others only cover it in emergency circumstances. Some limit emergency out-of-country coverage to only those who've been out of the country for less than a pre-set timeframe, and some don't. (For example, your policy might be written to say it would cover medically necessary emergency treatment out of the country for those who've been out of the country for 90 days or less, or it may have not time limit.)

If you're thinking of shopping for an Affordable Care Act (Obamacare) policy, don't wait too long. Open enrollment this year starts on November 15th, 2014 and is over on Feb 15th, 2015.

I wish there was a prefect solution for us, but for most of us there isn't. I do like the idea of medical evacuation insurance, though.

Liz Davis, RN
(Health Insurance Expert for About.com)
S/V Aloha  SM72

On Mon, Nov 10, 2014 at 8:10 PM, drew.gaffney@... [amelyachtowners] <amelyachtowners@...> wrote:
 

Will,

This is an incredibly complicated question.  I am not a tax or insurance advisor, but have been a physician for a long time, am a cruiser, and a US Citizen but also an EU resident.  Below are observations I've made professionally and while cruising.  It's such a complicated question, that everyone must eventually investigate and then decide what best suits their situation. 

I assume you’re a US citizen AND not officially a resident of foreign country.  I don’t know how old you are.  There are several things to consider. 

Every year, I see cruisers who develop unexpected medical problems.  I've had them myself.  A cruising friend developed a collapsed lung near Somoa.  He required emergent transport by ship to Apia-a very expensive trip.  In Apia, he received life-saving treatment, but couldn't leave there as ANZ refused boarding even when he met their demands.  He almost died but was eventually medevac'd via private air ambulance for almost $100K.  Most air ambulance companies will not transport without being relatively sure that they'll be paid.

Medicare does NOT cover anything overseas, including MedEvac.  If you get sick abroad and have MediCare, it would make sense to go back to the US or its territories.   To make matters worse, even though MediCare doesn't cover non-US care, you may still be required to pay part A MediCare payments if you're close to age 66.  Medical care, as Bill notes, will be much less expensive abroad, but may or may not be comparable.  AU, NZ, SGP, KUL, BKK, ZA, HKG, and some places in India, have really good care; in many places, it can be scary. 

Since you have little control over where you'll need care, coverage is preferable even if  you're healthy.

Some US carriers provide international coverage, others don't.   My employee BCBS did, but our  UHC policy did not. 

You also need to consider the Patient Protection and Affordable Care Act (PPACA).  It requires  most US citizens to have health insurance or pay a penalty, starting modestly in 2014 and increasing in subsequent years.  If you are a resident of a foreign country (meet the IRS test for a foreign tax home), then you are exempt from the PPACA.  Check with a tax advisor or the IRS.  If you live in a state with ObamaCare, you might look into coverage with an exchange; coverage and price vary greatly;  not available in most 'Red' states.  A high deductable exchange plan and MedEvac insurance might be a good package.

An alternative is to get MedEvac insurance only for a few hundred $'s annually.  That way, you could get back to the US if you have US coverage, or somewhere competent and cheaper than the US if not.

Most EU and 1st world countries have coverage available for their residents (don't necessarily have to be a citizen-it's complicated and varies by country.)  If you're cruising, then in-country coverage typically won't cover you.  Most of my EU colleagues have some type of coverage.

Sorry this is so complicated.  It's bad in the US, but worse for Americans abroad.  Good luck.

Drew

SY Revelation SM390

Chaguaramas, TT 



Re: [Amel Yacht Owners] Offshore Health Insurance

Richard03801 <richard03801@...>
 

Hi we do not think that IMG is a good choice as even when we and the doctor had been assured in writing the procedure was covered when forward had it done and AFTER it fact they refused to pay.  Find another carrier. 

Fair Winds Smooth Sailing To All
Capt Richard 
RP Yacht Brokerage
Newport RI 
We list sell and service fine yachts including Amel's
Cell 603 767 5330

On Nov 10, 2014, at 07:58, Sharon Brown sharongbrown@... [amelyachtowners] <amelyachtowners@...> wrote:

 

We use IMG global fusion international health insurance... Bit pricey but we are covered. 

Sharon 

Ya Fohi amel 54
 
This e-mail (including attachments) may contain sensitive and/or confidential information. If received in error, its use by you is not authorised and may be unlawful. Please notify the sender and delete all copies immediately. E-mails may be subject to error, interference and virus and no liability is accepted for loss or damage however it arises and whether direct or indirect.

On 10 Nov 2014, at 12:04, "Ann-Sofie Svanberg kanalmamman@... [amelyachtowners]" <amelyachtowners@...> wrote:

 

We, from Sweden, has our world wide healt insurance through Pantaenius.

/Ann-Sofie
S/Y Lady Annila, SM232

Skickat från min iPad

10 nov 2014 kl. 01:18 skrev "tango708@... [amelyachtowners]" <amelyachtowners@...>:

 

Does anyone in the group have advise or referral for health insurance for the full time international traveler?

Regards,
Will
SM180



Main mast profile

rossienio@...
 

The main mast of my Santorin (122 Earendil) has slight froward rake at the top, instead of being straight or having a slight backwords lean at the top. It seems like the high cross-tree pull back the mast. I put photos of the mast in the appropriate section. How must I tune the rigging to solve or mitigate the problem??? Thank you all for the help. Enio


Re: Offshore Health Insurance

tango708@...
 

 

Bill & Judy, Chris, Anna-Sofie, Sharon and Drew,

 

Thank you very much for your helpful information. 

 

Our situation is that we are United States citizens.  I am 67 and my wife is 53.  I have medical coverage through the VA, which in my area (Seattle) is excellent.  It is my wife, who has had some health issues, that is in need of some sort of coverage. 

 

So I think we are going to access care abroad and pay as we go… when we need to we can and fly home for non-emergency care.   I think we will also purchase a catastrophic policy for Rebecca.  Obama Care can be accessed if we need to once we are back in the states.

 

I have been hospitalized in village hospitals in India twice with typhoid.  Both times I received excellent care (although I had to share my room with a gecko).  The doctors were excellent and the care was very inexpensive… $120 including meds for a 4-day hospital stay!

 

What may be of interest to others is that we have discovered that our Good Sam membership offers a program called Travel Assist.  A 15-month policy is only $79.00 for a couple.   Travel Assist provides flights home from anywhere in the world for a medical emergency or accident.  You do not have to be a RV owner to be a member of Good Sam and purchase their Travel Assist policy.   We have found our membership to be a very good investment and it covers our RV and both of our cars for towing or other roadside emergencies. 

 

Again, thank you all for responding.  Your views were very helpful while we consider our options.

 

Regards,

Will and Rebecca

SM180

 

 


Re: Offshore Health Insurance

drew.gaffney@...
 

Will,

This is an incredibly complicated question.  I am not a tax or insurance advisor, but have been a physician for a long time, am a cruiser, and a US Citizen but also an EU resident.  Below are observations I've made professionally and while cruising.  It's such a complicated question, that everyone must eventually investigate and then decide what best suits their situation. 

I assume you’re a US citizen AND not officially a resident of foreign country.  I don’t know how old you are.  There are several things to consider. 

Every year, I see cruisers who develop unexpected medical problems.  I've had them myself.  A cruising friend developed a collapsed lung near Somoa.  He required emergent transport by ship to Apia-a very expensive trip.  In Apia, he received life-saving treatment, but couldn't leave there as ANZ refused boarding even when he met their demands.  He almost died but was eventually medevac'd via private air ambulance for almost $100K.  Most air ambulance companies will not transport without being relatively sure that they'll be paid.

Medicare does NOT cover anything overseas, including MedEvac.  If you get sick abroad and have MediCare, it would make sense to go back to the US or its territories.   To make matters worse, even though MediCare doesn't cover non-US care, you may still be required to pay part A MediCare payments if you're close to age 66.  Medical care, as Bill notes, will be much less expensive abroad, but may or may not be comparable.  AU, NZ, SGP, KUL, BKK, ZA, HKG, and some places in India, have really good care; in many places, it can be scary. 

Since you have little control over where you'll need care, coverage is preferable even if  you're healthy.

Some US carriers provide international coverage, others don't.   My employee BCBS did, but our  UHC policy did not. 

You also need to consider the Patient Protection and Affordable Care Act (PPACA).  It requires  most US citizens to have health insurance or pay a penalty, starting modestly in 2014 and increasing in subsequent years.  If you are a resident of a foreign country (meet the IRS test for a foreign tax home), then you are exempt from the PPACA.  Check with a tax advisor or the IRS.  If you live in a state with ObamaCare, you might look into coverage with an exchange; coverage and price vary greatly;  not available in most 'Red' states.  A high deductable exchange plan and MedEvac insurance might be a good package.

An alternative is to get MedEvac insurance only for a few hundred $'s annually.  That way, you could get back to the US if you have US coverage, or somewhere competent and cheaper than the US if not.

Most EU and 1st world countries have coverage available for their residents (don't necessarily have to be a citizen-it's complicated and varies by country.)  If you're cruising, then in-country coverage typically won't cover you.  Most of my EU colleagues have some type of coverage.

Sorry this is so complicated.  It's bad in the US, but worse for Americans abroad.  Good luck.

Drew

SY Revelation SM390

Chaguaramas, TT 


Re: [Amel Yacht Owners] Offshore Health Insurance

ya_fohi
 

We use IMG global fusion international health insurance... Bit pricey but we are covered. 

Sharon 

Ya Fohi amel 54
 
This e-mail (including attachments) may contain sensitive and/or confidential information. If received in error, its use by you is not authorised and may be unlawful. Please notify the sender and delete all copies immediately. E-mails may be subject to error, interference and virus and no liability is accepted for loss or damage however it arises and whether direct or indirect.

On 10 Nov 2014, at 12:04, "Ann-Sofie Svanberg kanalmamman@... [amelyachtowners]" <amelyachtowners@...> wrote:

 

We, from Sweden, has our world wide healt insurance through Pantaenius.

/Ann-Sofie
S/Y Lady Annila, SM232

Skickat från min iPad

10 nov 2014 kl. 01:18 skrev "tango708@... [amelyachtowners]" <amelyachtowners@...>:

 

Does anyone in the group have advise or referral for health insurance for the full time international traveler?

Regards,
Will
SM180