Date   

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

 


Re: Offshore Health Insurance

Patrick McAneny
 

Craig, I don't have a claim at this time, but was asking if anyone knew what the medicare policy is on covering a US citizen abroad, assuming they have one. I am  having my wife/secretary look into our supplemental coverage and it's policy .
Thanks,
Pat


-----Original Message-----
From: Craig Briggs via groups.io <sangaris@...>
To: main@AmelYachtOwners.groups.io
Sent: Tue, Oct 20, 2020 10:58 am
Subject: Re: [AmelYachtOwners] Offshore Health Insurance

Hi Pat -
The best and perhaps only definitive answer is to submit your claim and see what they do.
Craig


Re: LiFePO4 Conversion on sv BeBe - SM#387

Stephen Davis
 

Hi Dan,

Thanks for the response. That was a clever way to tackle the problem, and I may do the same. 


Regards,

Steve
SM 72


Re: Offshore Health Insurance

Teun BAAS
 

Can confirm below – had Q4 2018 surgery in BANGKOK and upon return in USA MEDICARE refused to pay. I have (according to MAYO clinic) “platinum ROLLS ROYCE” supplemental but they originally also tried not to pay. Once I pointed out that they do have an international clause in their policy (one of the main reasons I selected this plan) they finally paid USD18K out of the USD28K.

 

It was not an emergency and, in hindsight, I should have purchased a roundtrip ticket to USA and have everything done by MAYO AND  (even flying 1st class) still saved money 😊. Medical care would have been at the same excellent level; can highly recommend BUMRUNGRATD International Hospital in BANGKOK.

 

Best Regards Teun

 

A54 2009 #128

October 20, 2020 08:28:01

 

 

 

 

 

From: main@AmelYachtOwners.groups.io <main@AmelYachtOwners.groups.io> On Behalf Of Thomas Peacock via groups.io
Sent: Tuesday, October 20, 2020 08:14
To: main@amelyachtowners.groups.io
Subject: Re: [AmelYachtOwners] Offshore Health Insurance

 

As our president famously said after he was unable to come up with a new health insurance plan, “Who ever thought health insurance could be so complicated?”

 

I’m not trying to inject any politics into this forum, however; the forum is too precious for that.

 

In the US, health insurance certainly is complicated. 

 

You will find many different opinions on what Medicare does and does not cover. 

 

My best read on traditional Medicare (Parts A and B) is that costs incurred in foreign countries will not be reimbursed, unless you live by the Canadian border and the Canadian hospital is closer than your US hospital. Will not apply for problems in the Caribbean and elsewhere.

 

Many Part C (Medicare Advantage) plans will reimburse you for foreign expenses. Check your plan.

 

I will defer to Eric on Plan F, I know nothing. I read up on it on the internet, and came away even more confused.

 

Tom Peacock

SM 240 Aletes

Wintering well above the Tropic of Cancer

 



On Oct 20, 2020, at 10:58 AM, Craig Briggs via groups.io <sangaris@...> wrote:

 

Hi Pat -
The best and perhaps only definitive answer is to submit your claim and see what they do.
Craig

 


--
Tom Peacock
SM 240 Aletes
Chesapeake Bay


Re: Offshore Health Insurance

Thomas Peacock
 

As our president famously said after he was unable to come up with a new health insurance plan, “Who ever thought health insurance could be so complicated?”

I’m not trying to inject any politics into this forum, however; the forum is too precious for that.

In the US, health insurance certainly is complicated. 

You will find many different opinions on what Medicare does and does not cover. 

My best read on traditional Medicare (Parts A and B) is that costs incurred in foreign countries will not be reimbursed, unless you live by the Canadian border and the Canadian hospital is closer than your US hospital. Will not apply for problems in the Caribbean and elsewhere.

Many Part C (Medicare Advantage) plans will reimburse you for foreign expenses. Check your plan.

I will defer to Eric on Plan F, I know nothing. I read up on it on the internet, and came away even more confused.

Tom Peacock
SM 240 Aletes
Wintering well above the Tropic of Cancer


On Oct 20, 2020, at 10:58 AM, Craig Briggs via groups.io <sangaris@...> wrote:

Hi Pat -
The best and perhaps only definitive answer is to submit your claim and see what they do.
Craig


--
Tom Peacock
SM 240 Aletes
Chesapeake Bay


Re: Offshore Health Insurance

Craig Briggs
 

Hi Pat -
The best and perhaps only definitive answer is to submit your claim and see what they do.
Craig


Re: Offshore Health Insurance

Patrick McAneny
 

Does Medicare reimburse for medical care in another country? We spent a few hundred in Guadeloupe and the doctor thought it would if we submitted a claim ,but we did not bother . 
Pat
SM Shenanigans 


-----Original Message-----
From: Craig Briggs via groups.io <sangaris@...>
To: main@AmelYachtOwners.groups.io
Sent: Tue, Oct 20, 2020 9:16 am
Subject: Re: [AmelYachtOwners] Offshore Health Insurance

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


Re: Offshore Health Insurance

Craig Briggs
 

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


Re: Offshore Health Insurance

eric freedman
 

I wish someone else would check this out and see if you are told the same thing as I was Told.
Fair Winds,
eric

On October 19, 2020 at 9:24 PM "Matt Salatino via groups.io" <helmsmatt@...> wrote:

I hope you’re right. Wife and I have the same plan. It’s great in the states.

~~~⛵️~~~Matt

On Oct 19, 2020, at 6:43 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: Offshore Health Insurance

Matt Salatino
 

I hope you’re right. Wife and I have the same plan. It’s great in the states.

~~~⛵️~~~Matt

On Oct 19, 2020, at 6:43 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

michael winand
 

Hi Paul,  I had some pitting on my stainless steel muffler. Most around the inlet under the pipe. A stainless metal shop can cut out the bad material and put a new piece into it. 
I would have them purge the inside of the muffler when they weld it up with a TIG weld. This will remove any pitting on the inside when they weld it. There was some pitting on the pipes that the hose joined. This can also be welded. 
You can also put in a socket to allow to drain out the water. 
Allow around 4hrs  to have them do the work. 
Michael  Nebo  sm251 


On Tue, 20 Oct 2020 at 9:00 am, Paul Osterberg
<osterberg.paul.l@...> wrote:
Thank you Ryan
I just had a glance inside and from that, it looked almost as good sa new, so I decided to keep it, Probably possible to fix with Epoxi if starts to leek when waiting for a new one. We also ordered the stainless steel elbow, and decided to use the old turbo, do not know if it will perform good after cleaning, but Parts4Engine in UK have very fast delivery so will wait and see how it work when we launch coming spring
Paul on SY Kerpa SM#259


Re: VP TMD 22 muffler

Paul Osterberg
 

Thank you Ryan
I just had a glance inside and from that, it looked almost as good sa new, so I decided to keep it, Probably possible to fix with Epoxi if starts to leek when waiting for a new one. We also ordered the stainless steel elbow, and decided to use the old turbo, do not know if it will perform good after cleaning, but Parts4Engine in UK have very fast delivery so will wait and see how it work when we launch coming spring
Paul on SY Kerpa SM#259


Hose adapters for metric hoses

eric freedman
 

Hi,

I have found these  adapters very helpful for use with many hoses on Kimberlite.

They come in 2 sizes.

Fair Winds

Eric

Amel Super Maramu #376

 

 

https://www.vetus.com/en/plastic-hose-adapter-o-13-38-mm.html

 

 

From: main@AmelYachtOwners.groups.io [mailto:main@AmelYachtOwners.groups.io] On Behalf Of Thomas Kleman
Sent: Monday, October 12, 2020 2:43 PM
To: main@AmelYachtOwners.groups.io
Subject: Re: [AmelYachtOwners] Sea Chest

 

Hey Mark, we seem to be working on the same project. My sea water manifold is corroded and I'm building a new one. 10 years ago I changed out the original Amel ball valve for one made of Marelon. At that time, I used the Amel fitting (1-1/4 threaded to 35 mm barbed). I'm now replacing everything to the left of that (which is the corroded copper fitting) and building it out of plastic components. Wondering if you can also salvage it (the Amel fitting) from your boat to save you this search.....the other option is to replace the ball valve with one of a size that fits a 1-3/8 barbed end......good luck. One bit of wisdom I've found. 1-3/8 hose is more common as a wet exhaust size than bilge/water so couplers might be found best by looking backwards with that in mind.

Thomas Kleman
SV L'ORIENT
SM 2K 422
Oahu


Re: Offshore Health Insurance

eric freedman
 

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: Fusion Marine Stereo (24 volt?)

Mark Erdos
 

Ryan and Kelly,

 

Not powering up the instruments is an easy fix: https://www.ebay.co.uk/itm/DC-DC-24V-to-12V-Step-Down-20A-240W-Converter-Car-Power-Supply-DC-module-UK/193576430199?hash=item2d120dea77:g:gY4AAOSwIUpfD87d

 

 

 

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 Ryan Meador
Sent: Monday, October 19, 2020 4:22 AM
To: main@amelyachtowners.groups.io
Subject: Re: [AmelYachtOwners] Fusion Marine Stereo (24 volt?)

 

The Fusion stereos (and presumably other brands of actual marine stereos) have two major advantages of car stereos: 1) they use class D amplifiers, which use significantly less power compared to class A/B/AB usually found in car stereos, and 2) they have multi-zone audio support.  You can fake the multi-zone thing with the front/rear fader adjustment of a car stereo, but it's clunky and causes the volume on both sets of speakers to change, so you're constantly adjusting to get it right.  True multi-zone means independent volume control, and you can even mount a remote control panel.  Some support 3+ zones, so you could add speakers to every cabin if you so desired.  I had one of these on my previous boat and I really liked it.

 

If you find a 24V marine stereo, please let me know.  I've been looking for one ever since I bought my SM and haven't been able to find any.  It would be fantastic to remove the power loss of the converter, and also be able to listen to the stereo without powering up the instruments.

 

Ryan and Kelly

SM 233 Iteration

Salem, MA, USA

 

 

On Sun, Oct 18, 2020 at 1:50 PM Elja Röllinghoff Balu SM 222 <Bijorka@...> wrote:

For more pover in the speakers and in the Beach i take 

 

B&O Beolith 

 

 

This is a serpiced moment when you here this saund 

Von meinem iPhone gesendet


Re: LiFePO4 Conversion on sv BeBe - SM#387

Dan Carlson
 

Hi Matt, for me it was about being fully in control of my battery management system. I did not like the "black box" approach of the "drop-in" batteries. 

I wanted to know my system and be able to buy spares for and replace components.  In the process I also saved some money, my 400Ah is significantly smaller and a little lighter than a drop in solution. 

I was also concerned about the few high amp situations. Specifically the bow thruster that does draw about 400Amps at the battery.  I know my wiring, fuses and relays are up for the load.  From what I've read, I don't think that the major drop-in brands should be an issue either. But I decided to go my way. 

I would caution that it is a challenging learning curve and more that enough bad advice out there to keep you confused and shake your confidence.

I hope that helps.

Thanks and regards, Daniel and Lori Carlson on sv BeBe, SM #387

On Mon, Oct 19, 2020, 9:39 AM Matt & Michelle Day <charlesmatthewday@...> wrote:
Dan,

In addition to Steve's question above, I am hoping you can provide a couple of further insights into your design process.

What drove your decision in using prismatic cells verses off-the-shelf size 31 batteries (i.e. Battle Born batteries)?  Cost?  Flexibility?  

Did the time trade to assemble the prismatic cells payoff in your cost trade?

Many thanks!

Matt


Re: VP TMD 22 muffler

Ryan Meador
 

We just went through this replacement process a few months ago.  If you're willing to spend the money, probably the best option is to have a new one fabricated in metal or fiberglass so you can continue to use it as a step.  I wasn't able to find anything off the shelf that would work for that, and in the interests of time and money, we went with a Vetus.  Specifically, we ordered a model LSG75 and then added the SET0004 connection (because the two connections are different sizes on our boat, but the mufflers all come with the same size on both ends).  I think one could just as easily order an LSG90 with a SET0003 and swap the connections as appropriate, but Defender has the former combination in stock and doesn't stock the latter.

It was a real pain to get the exhaust hose to bend in such a way that it will connect to the muffler, but with a little application of heat and a lot of choice words, we got it in.  I was initially concerned about the strain the hose continuously applies to the muffler, but it seems fine.  We replaced the exhaust mixing elbow at the same time with a stainless one so that we hopefully never have to touch this system again.  It is hard to retrain your muscle memory to avoid stepping on the muffler!

Ryan and Kelly
SM 233 Iteration
Salem, MA, USA


On Sun, Oct 18, 2020 at 12:51 PM Paul Osterberg <osterberg.paul.l@...> wrote:
Thanks Bill
We are preparing Kerpa for Our next trip which is planned to go to The Amazon then slowly north to Trinidad for Lay-up, but after that we plan/hope (Covid19 allow  to spend a few years in the Pacifics so probably better to replace it now when I have time. Is Vetus the best Option for a Muffler? 
Paul on SY Kerpa SM#259


Re: LiFePO4 Conversion on sv BeBe - SM#387

Dan Carlson
 

Hello Stephan, attached is a photo from the underside of the arch, with the new panels.  

I had some one cut some 25mm (1") by 35mm (1.5") by 10cm spacer blocks from teak. These raise the new panels to the top of the existing frame. I kept the back and sides of the new panels within the edges of the existing frame but the front edge of the panels over hangs. I still have plenty of room between the front to the solar panels and the backstays.

I through bolted the new panels through the blocks and the flange on the frame. 

Best regards, Daniel and Lori Carlson on sv BeBe, SM #387


On Mon, Oct 19, 2020, 8:52 AM Stephen Davis <flyboyscd@...> wrote:

Hi Dan,

Congratulations on your recent LIFePO4 upgrade. We just spent months going through Alaska with a slowly failing lead acid battery bank, and have also decided to upgrade now that we are in Washington State for the winter. In our case, we were fortunate to have all modern programmable charging sources which will be compatabible with the 8 Battleborn 24v batteries which are arriving tomorrow. We have a much older SM, and will take this opportunity to re-wire most of the older heavy gauge wiring, and clean up the old mess a little bit. 


We are also planning to increase our solar capacity as well, and that brings up a question I’m hoping you can answer. We have the same Emek arch which is installed on BeBe, and I was wondering how you modified the top frame of the arch to accommodate the larger panel size? Any information you can provide on that subject would be greatly appreciated. 


Regards,
Steve Davis
Aloha, SM 72
Port Townsend, WA


Re: Fusion Marine Stereo (24 volt?)

Ryan Meador
 

The Fusion stereos (and presumably other brands of actual marine stereos) have two major advantages of car stereos: 1) they use class D amplifiers, which use significantly less power compared to class A/B/AB usually found in car stereos, and 2) they have multi-zone audio support.  You can fake the multi-zone thing with the front/rear fader adjustment of a car stereo, but it's clunky and causes the volume on both sets of speakers to change, so you're constantly adjusting to get it right.  True multi-zone means independent volume control, and you can even mount a remote control panel.  Some support 3+ zones, so you could add speakers to every cabin if you so desired.  I had one of these on my previous boat and I really liked it.

If you find a 24V marine stereo, please let me know.  I've been looking for one ever since I bought my SM and haven't been able to find any.  It would be fantastic to remove the power loss of the converter, and also be able to listen to the stereo without powering up the instruments.

Ryan and Kelly
SM 233 Iteration
Salem, MA, USA


On Sun, Oct 18, 2020 at 1:50 PM Elja Röllinghoff Balu SM 222 <Bijorka@...> wrote:
For more pover in the speakers and in the Beach i take 

B&O Beolith 


This is a serpiced moment when you here this saund 

Von meinem iPhone gesendet

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