Date   

Re: New autopilot for Mango

Volker
 

Hi Arlo,
I added a second autopilot to my Sharki. Please have a look at the attached picture of the Jefa electrical drive which I used. The autopilot controller is from Raymarine.
Volker
Mickmoon, Sharki No. 176


Re: Offshore Health Insurance

Gregory Shea
 


Hi all, 
Maybe I can inject some real world experiences into the discussion and suggest some international health insurance mistakes to avoid.
Seven years ago I was a Mediterranean neophyte with my Sharki in the marina on the Isles de Frioul off Marseille. The Tramontane had been blowing 30 knots for three days, on the beam. I wanted to double up on my bow lines and had asked the harbormaster to help me. I hurried back to the boat to ready the extra lines and non-Sharki owners may not know that the Sharki mizzen boom extends about two feet past the transom. In my haste to climb aboard, I was watching where my feet went,  not where my head was, and I ran into the mizzen boom, head first. At least that's what I think happened since my first recollection was "Why am in I this cold September water and why does my leg hurt like hell?"
To cut a long story short, fellow cruisers got me back on dry land and the paramedics called in a police patrol boat to get me back to the mainland. I was in excruciating pain and could not walk. That was when the medical mistakes started. I have Medicare C but had no idea what it said about international coverage. I had no Green Card, the passport that entitles EU residents to universal medical coverage. Without a Green Card, the ambulance folks took me to the local, indigent hospital. In Marseille, you can imagine what that was like. They X rayed my leg, announced nothing was broken and told me to buy a brace and walking stick and get lost.
I managed to get back to the boat, sailed her back to base, at the foot of the Pyrenees, buttoned her up, transited to Paris, hopped a plane home and got plugged int the US health system. This took about a month from the time of the accident, during which time I had no idea what was wrong except that I needed a wheel chair to move around.  An MRI found the problem, I had ruptured (doctor speak for snapped) my quadriceps tendon, the one on the front of your upper leg that enables you to flex your leg when walking. Apparently, my knees had folded when my head hit the boom and as I went down, the tendon stretched to its limit and then broke. I found a surgeon who was competent to make the repair, had it done and settled into a year or more of recovery.
Lessons learned, lift the mizzen boom of a Sharki before entering port, it really saves a lot of agro.
Understand what your insurance covers. I have now talked to BCBS and studied their Plan C documentation at length. It is only good in the first 60 days and only covers debilitating conditions, which they define as loss of function in critical areas such as limbs, sight, cognitive impairment etc. Coughs, colds, influenza and stubbed toes don't count as emergencies. If you are in a bad way, as I was, you qualify, but you have to know that. In retrospect, I should have insisted that the ambulance take me to one of the first rate hospitals in Marseille. Sure, I would have had to pay and claim it back, net of deductibles of course, but a local MRI would have let me know what I was dealing with. I should have produced my BCBS insurance card and demonstrated that I had insurance, if not the Green Card they expected, at least something that indicated that I was financially capable.
When these things happen you are usually disorientated because you are in a system that is not familiar to you, often with language issues. You are probably in shock and pain and the Admiral is probably no better, realizing the responsibility for the boat maybe descending on her shoulders. Confidence in your medical providers is worth its weight in gold.
My summary is that overseas Medicare medical coverage, at least under C plans, is rudimentary, at best. If the time limit has not expired, and your problem is serious, you can afford to seek good medical help, but it won't be free. Find out where you stand vis-vis your coverage and be prepared to use it. Based on my experience, the cost is well worth the peace of mind it provides.
I retrospect, I would have done a lot of things differently, had I known.
I hope that my experiences can help other sailors be prepared, in case they have the bad luck to find themselves in a similarly unfortunate situation.



Greg Shea
Sharki 133, Cap des Iles 
Preveza


From: main@AmelYachtOwners.groups.io <main@AmelYachtOwners.groups.io> on behalf of Ben Driver <bddriver@...>
Sent: Wednesday, October 21, 2020 1:42 PM
To: main@amelyachtowners.groups.io <main@amelyachtowners.groups.io>
Subject: Re: [AmelYachtOwners] Offshore Health Insurance
 
Eric
My agent says same; that is, both plan F and G will reimburse foreign medical expense. But I think I best to get another “expert” opinion and triangulate.  I don’t trust insurance companies or agents.  Also it may be insurance carrier specific; that is, not mandated.
Ben

Ben and Gayle Driver

On Oct 19, 2020, at 3:43 PM, eric freedman <kimberlite@...> wrote:



HI,

I just got off the phone with AARP. I have plan F supplemental. .

According to them it covers 100% of the bills after a $250- dollar deductible out of the USA. I must pay the bill and then submit the bills for payment.

I am just wondering if I was told the correct answer about this plan.

Fair Winds

Eric

Amel Super Maramu #376

 

 

From: main@AmelYachtOwners.groups.io [mailto:main@AmelYachtOwners.groups.io] On Behalf Of karkauai via groups.io
Sent: Thursday, October 15, 2020 9:49 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.


Re: Super Maramu Bimini

Mike Ondra
 

Hi Bill and Karen,

We had a new bimini made by Oatley’s Top Shop in Galena, MD last year. Base price was $2550 including windows in the forward panel for sail vision and zipped to open for ventilation (zipper does leak a bit but worth it for the other benefits). Also included the side panels with vision. We did add snap on sun covers for bimini and side panel glass which added $300.

Excellent service. Check them out. www.facebook.com/Oatleys-Top-Shop-370106889754172/

Mike Ondra

Aletes SM#240

Rock Hall, MD

 

 

From: main@AmelYachtOwners.groups.io <main@AmelYachtOwners.groups.io> On Behalf Of Karen Smith via groups.io
Sent: Wednesday, October 21, 2020 10:23 PM
To: main@AmelYachtOwners.groups.io
Subject: [AmelYachtOwners] Super Maramu Bimini

 

Our bimini fabric is worn and needs replacement. This is cheaper than we could find locally.  The quote from Amel is for 1 914,19  Euros plus shipping and taxes, with delivery in 6 to 8 weeks. I am certain it will be of higher quality than we could have made locally! If you have the original tubes and set up, you might consider this!

Karen Smith and Bill Kinney
Harmonie SM #160
Annapolis, Maryland


Re: New autopilot for Mango

Danny and Yvonne SIMMS
 

Hi Arlo, its not Danny of Ocean Pearl that posted 

Regards

Danny

On 22 October 2020 at 19:19 Arlo <svplanb@...> wrote:

Hello Danny. Thanks for the pixs. Do you have pictures of the entire area by chance? I want to see how you tied the ram into the rudder. Do you still have the original cable steering attached as well ?

Thanks
Arlo


Re: New autopilot for Mango

Arlo
 

Hello Danny. Thanks for the pixs. Do you have pictures of the entire area by chance? I want to see how you tied the ram into the rudder. Do you still have the original cable steering attached as well ?

Thanks
Arlo


Re: Super Maramu Bimini

Kelly Ran
 

That's a great tip!
Could you send pictures when yours arrives?
We have been trying to get a new bimini made all season. Getting one from Amel sounds like the right move. 

Thanks,
Kelly + Ryan
SM233 Iteration
Salem


On Wed, Oct 21, 2020, 22:22 Karen Smith via groups.io <karenharmonie=yahoo.com@groups.io> wrote:
Our bimini fabric is worn and needs replacement. This is cheaper than we could find locally.  The quote from Amel is for 1 914,19  Euros plus shipping and taxes, with delivery in 6 to 8 weeks. I am certain it will be of higher quality than we could have made locally! If you have the original tubes and set up, you might consider this!

Karen Smith and Bill Kinney
Harmonie SM #160
Annapolis, Maryland


Re: Offshore Health Insurance

Ben Driver
 

Craig 
Kinda like paying vastly different amounts for same airline ticket.  Nutty.

Ben Driver

On Oct 21, 2020, at 6:01 PM, Craig Briggs via groups.io <sangaris@...> wrote:



[Edited Message Follows]

Ben
Medicare.gov says, "The cost of Medigap policies can vary widely. There can be big differences in the premiums that different insurance companies charge for exactly the same coverage."
That is, all supplemental plans with the same letter are identical and there are no insurance carrier specific differences.
Stupidly complicated. You can pay more or less for exactly the same thing. Kind of like West Marine vs your local low cost chandler.
--
Craig, SN68 Sangaris, Tropic Isle Harbor, FL


Super Maramu Bimini

Karen Smith
 

Our bimini fabric is worn and needs replacement. This is cheaper than we could find locally.  The quote from Amel is for 1 914,19  Euros plus shipping and taxes, with delivery in 6 to 8 weeks. I am certain it will be of higher quality than we could have made locally! If you have the original tubes and set up, you might consider this!

Karen Smith and Bill Kinney
Harmonie SM #160
Annapolis, Maryland


Re: Offshore Health Insurance

Craig Briggs
 
Edited

Ben
Medicare.gov says, "The cost of Medigap policies can vary widely. There can be big differences in the premiums that different insurance companies charge for exactly the same coverage."
That is, all supplemental plans with the same letter are identical and there are no insurance carrier specific differences.
Stupidly complicated. You can pay more or less for exactly the same thing. Kind of like West Marine vs your local low cost chandler.
--
Craig, SN68 Sangaris, Tropic Isle Harbor, FL


Re: Offshore Health Insurance

Ben Driver
 

Eric
My agent says same; that is, both plan F and G will reimburse foreign medical expense. But I think I best to get another “expert” opinion and triangulate.  I don’t trust insurance companies or agents.  Also it may be insurance carrier specific; that is, not mandated.
Ben

Ben and Gayle Driver

On Oct 19, 2020, at 3:43 PM, eric freedman <kimberlite@...> wrote:



HI,

I just got off the phone with AARP. I have plan F supplemental. .

According to them it covers 100% of the bills after a $250- dollar deductible out of the USA. I must pay the bill and then submit the bills for payment.

I am just wondering if I was told the correct answer about this plan.

Fair Winds

Eric

Amel Super Maramu #376

 

 

From: main@AmelYachtOwners.groups.io [mailto:main@AmelYachtOwners.groups.io] On Behalf Of karkauai via groups.io
Sent: Thursday, October 15, 2020 9:49 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.


Re: VP TMD 22 muffler

Ryan Meador
 

I believe ours was also aluminum.  I thought it was stainless until we actually removed it, and it just didn't feel like stainless.

Ryan and Kelly
SM 233 Iteration
Salem, MA, USA


On Wed, Oct 21, 2020 at 10:50 AM Karen Smith via groups.io <karenharmonie=yahoo.com@groups.io> wrote:
Just as a point of difference, on our boat (#160) the Amel "stainless" muffler is actually made of aluminum.  It's certainly possible that different materials were used in different production runs.

Bill Kinney & Karen Smith
SV Harmonie, SM160
Annapolis, MD, USA


Re: VP TMD 22 muffler

Karen Smith
 

Just as a point of difference, on our boat (#160) the Amel "stainless" muffler is actually made of aluminum.  It's certainly possible that different materials were used in different production runs.

Bill Kinney & Karen Smith
SV Harmonie, SM160
Annapolis, MD, USA


Re: Offshore Health Insurance

Mark Pitt
 

From the medicare.gov website:

Medigap coverage outside the U.S.

If you have Medigap Plan C, D, E, F, G, H, I, J, M or N, your plan:

  • Covers foreign travel emergency care if it begins during the first 60 days of your trip, and if Medicare doesn't otherwise cover the care.

  • Pays 80% of the billed charges for certain medically necessary emergency care outside the U.S. after you meet a $250 deductible for the year.

Foreign travel emergency coverage with Medigap policies has a lifetime limit of $50,000.


Mark Pitt, Sabbatical III, SM#419

On 10/21/2020 10:18 AM, Ralph Caruso via groups.io wrote:
Medicare parts A&B do not cover medical care outside the US.  You may be covered by some Medicare Advantage plans (read the words carefully, because they may only cover emergency care), but the only that I KNOW covers care outside the USA is BCBS issued to current and retired members of the Federal Bureaucracy (I am a retired bureaucrat). You have to be a Federal Employeee or a retiree eligible to particulate in the Federal Employees Health Benefit Plan. It is one of the best plans in the USA (not quite as good as some union-sponsored plans for stuff like dental or glasses), and it covers you everywhere in the world, because lots of Fed employees work or travel outside the US. 

When we lived in France, we used to send our claims back to the US, and they would do the translations and currency conversions and send us a check in $US.  BCBS has an entire large operation dedicated to foreign coverage.  They can even provide you with attestations that you are covered, so that you can present them to foreign governments that require this as a condition for a residency card. (Been there, done that)

Unfortunately, you would have to go back to work, for the US govt, for at least 5 years, in order to become eligible for a pension and FEHBP coverage at age 62, if you retire from the govt.

Ralph Caruso


Re: New autopilot for Mango

Dan
 

Hi Arlo. Dont think this pic will help you much. I’m running only hydraulic. 



On Oct 21, 2020, at 9:25 AM, Arlo <svplanb@...> wrote:

Hello all. I am installing a new B&G system and looking at putting in the autopilot. The original autopilot works fine, but this will provide me some redundancy. I am looking to see if anyone has pictures of how they installed the hydraulic ram and rudder feedback device. The aft space near the rudder is pretty tight. Not sure what it looks like on a SM but thought I would ask.


Re: Offshore Health Insurance

Ralph Caruso
 

Medicare parts A&B do not cover medical care outside the US.  You may be covered by some Medicare Advantage plans (read the words carefully, because they may only cover emergency care), but the only that I KNOW covers care outside the USA is BCBS issued to current and retired members of the Federal Bureaucracy (I am a retired bureaucrat). You have to be a Federal Employeee or a retiree eligible to particulate in the Federal Employees Health Benefit Plan. It is one of the best plans in the USA (not quite as good as some union-sponsored plans for stuff like dental or glasses), and it covers you everywhere in the world, because lots of Fed employees work or travel outside the US. 

When we lived in France, we used to send our claims back to the US, and they would do the translations and currency conversions and send us a check in $US.  BCBS has an entire large operation dedicated to foreign coverage.  They can even provide you with attestations that you are covered, so that you can present them to foreign governments that require this as a condition for a residency card. (Been there, done that)

Unfortunately, you would have to go back to work, for the US govt, for at least 5 years, in order to become eligible for a pension and FEHBP coverage at age 62, if you retire from the govt.

Ralph Caruso


Re: New autopilot for Mango

Arlo
 


 I attached 2 pictures that show the space available. Keeping in mind that this is a Mango


New autopilot for Mango

Arlo
 

Hello all. I am installing a new B&G system and looking at putting in the autopilot. The original autopilot works fine, but this will provide me some redundancy. I am looking to see if anyone has pictures of how they installed the hydraulic ram and rudder feedback device. The aft space near the rudder is pretty tight. Not sure what it looks like on a SM but thought I would ask.


Re: C-Drive drain plug o-ring

Mark & Debbie Mueller
 

It is a 24x3.5 NBR 70.
--
Mark Mueller
Brass Ring  A54


Re: Offshore Health Insurance

Craig Briggs
 

Hi Pat,  Yes, your post indeed said you did not file a claim. My point was simply that you'll learn what your coverage is if you do file a claim and that may be the most efficient way to find out.

Tom Peacock's post that it is confusing is so true and he pointed out that (Original) Medicare Parts A&B do not cover care outside of the US. To get any coverage outside the US you need either a MediGap Supplemental Plan like your Plan F policy (not any one) or a Medicare Contract Part C plan like Tom and I have (again, not any one).

Teun says he has a "Platinum Rolls Royce" supplemental plan, but in actuality all Medigap Supplemental Plans - Plans A thru N - are standardized by the government and all providers offer exactly the same coverage for each plan (although they charge different premiums). Part C Plans, (not to be confused with Supplemental Plan C) must provide everything that Original Parts A&B cover but may add more, like different deductibles and MOOP's (my favorite acronym for Max Out of Pocket), dental and eye care, and out-of-USA, etc. and charge different premiums from $0 to hundreds a month (on top of the Part A/B premium.

Finally, Tom's (or Teun's) point that all this is subject to an amazingly huge layer of bureaucrats interpreting what's covered or not makes giving an authoritative answer a bit of a fools errand.

Our favorite bureaucratic interchange was in Greece, trying to get stamped out. After literally a two hour wait at the counter with people running about, the supervisor finally took pity on us, came over and most kindly apologized, saying, "I'm so sorry, but this is the first of the month and we have a lot of bureaucracy to do.

Perhaps we should stick to lip seals and Lithium batteries!
--
Cheers, Craig


Re: Offshore Health Insurance

eric freedman
 

Thanks
Typical government BS.
Eric

On October 20, 2020 at 9:16 AM "Craig Briggs via groups.io" <sangaris@...> wrote:

Hi Eric - this is as confusing as what direction lip seals should face, but Medicare.gov says: Plan F "Foreign Travel exchange (up to Plan limits)  Covers 80%", with an asterisk that says, " Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 before your policy pays anything. (Plans C and F aren't available to people who are newly eligible for Medicare on or after January 1, 2020.)"

That sounds a different than what you were told by AARP.

My advice would be to stay healthy so you don't have to find out what the coverage actually is! (and change your lip seals tri-annually)
Cheers, Craig -- SN68 Sangaris, Tropic Isle Harbor, FL

 

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