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post #11 of 44 Old 08-20-2007
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So that would be Canadian Provincial health care systems, not a National Health care system?

I understand Hawaii and one of our midwestern states (Michigan?) also have universal health care for their citizens, and Maine is in the process of phasing it in.
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post #12 of 44 Old 08-20-2007
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Originally Posted by hellosailor View Post
So that would be Canadian Provincial health care systems, not a National Health care system?

I understand Hawaii and one of our midwestern states (Michigan?) also have universal health care for their citizens, and Maine is in the process of phasing it in.
Also Tennessee has a form of it but is going bankrupt.

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post #13 of 44 Old 08-20-2007
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So that would be Canadian Provincial health care systems, not a National Health care system?

I understand Hawaii and one of our midwestern states (Michigan?) also have universal health care for their citizens, and Maine is in the process of phasing it in.
It is federally mandated program that is administered by the provinces. Every province has to provide it, but they are free to implement as they choose. It is a far from perfect system, but having grown up with it, I find it difficult to conceive of not being able to go to a doctor because you can't afford it, or being told that you can't get a certain type of treatment becuase your insurance won't cover it.

Mind you - our income taxes are higher than yours down there, so it's not a free thing...

It is encouraging to hear that some states are implementing programs. I hope you folks are all doing your best to support the process and trying to turn it into a nationwide thing.
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post #14 of 44 Old 08-20-2007
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Michigan has no such thing
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post #15 of 44 Old 08-21-2007
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Xort, it's some other state far from hawaii. If no Michigan, Try minnesota. Someplace in the middle thousand miles of the US.

When those lying Clintons were getting elected on the sham promise of "national health" it was pointed out that 1-This is a federal republic, there are 50 sovereign states each of which can do the job alone and as they feel it it best done, and 2-That several of them were already doing it. Back then it was two states, now three if Maine comes online (a five year transition) and four is Massachussetts succeeds with their mandatory plan.

Point being, the Federal Republic of these United States is the second national government we've formed. And it was chartered to keep away the British and Indians and coin a common currency and then--STEP OUT.

Well, the Brits have had their fill of meddling. The Indians are laughing their way back to karmic justice with casinos and tax-free cigarette sales, and the credit card companies have taken over the currency business.

There's nothing in our federal charter that gives the fed the rights to impose a national health system, that's a right reserved to the states.

Where the voters still don't want it badly enough to make it happen.
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post #16 of 44 Old 08-21-2007
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I have seen it mentioned here that health insurance could cost $1000 US a month. I have checked with an insurer here in Oz, they will give me 12 Months travel insurance which includes medical and dental plus all the other coverage associated with travel for a mere $1120 US for the year, Includes USA and Canada. Trip must be started and ended in Australia.

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post #17 of 44 Old 08-21-2007
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Hey all~

So here's the question, which sounds oh so much simpler than it is~~ can anyone recommend, from personal experience, a reasonably priced, dependable health insurance plan that works in both US and abroad?? I know that everyone is different, and that we might all pick different variations of an ideal plan, but give me somewhere to start-- give me a name. Thanks.
It would be great to get back on the original subject that SuzySailor was asking - about Health Insurance options while cruising
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post #18 of 44 Old 08-21-2007
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Simon, you may have no idea what we are talking about in terms of what is "good" health insurance in the US.

A typically "good" policy form an employer, or privately, would include:
Co-payment of $10 or less to see any doctor
Balance of doctor's fee 100% covered.
Hospitalization covered in full, up to $250,000 or more per incident, $500,000 or more per year, $1,000,000 lifetime coverage OR MORE.
You can buy cheaper plans, they often cap the payback at $50,000-100,000 for a lifetime limit--which means one appendectomy or organ failure and your plan is cancelled for exceeding the limits.
A "good" plan also would include all pharmaceuticals, not just a short approved list, available from any participating pharmacy (not just mail order) with a $5-10 co-payment.
And, it would include coverage from any hospital in the US, not just regional coverage. And, in an area where there are no "plan provider members" it will cover services for urgent care from any provider.

Yeah, you can get cheap insurance. And many businesses offer a "cafeteria plan" starting at $300-400 per month for the lowest HMO coverage. But that radpicly goes up to $1000 for the plans that offer complete and meaningful coverage. And if you want those same plans as a sole employer or other "individual"...you can easily pay 50% to 100% more, of the plan will be offered to you at all.

So, don't think for a minute that you can get "good" coverage by US standards, unless you know the specifics of the coverage policy and have seen it in writing. Including all the deductibles and limits.

If you want medical coverage on your own in the US, either you join a minimal coverage HMO or you get a "major medical" policy. Or sometimes, you can get a state-mandated policy for lower income families with children, etc.

But good cheap insurance? Like good cheap parachutes, you may want to examine the product before attempting to use it.
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It would be great to get back on the original subject that SuzySailor was asking - about Health Insurance options while cruising
Yeah!! I second that!! I went back and checked SSCA to see what I had missed-- I had read all that they have. Some people recommend IMG-- they have rejected us, much to our surprise--we have no medical issues that even approach serious. The second company that is recommended, with one (count 'em, one) person who has actually submitted and been reimbursed for claims, is Generali Worldwide/Global Assurance/Medis Health (why can't these companies have just one name??? I get so confused...). I called the aforementioned once, and it sounded like there was an office party going on, and the person who answered the phone clearly did not speak English-- this wasn't the Spanish line, either... I called a second time, days later, and was disconnected. There are misspellings all over their website, and you can't apply online because something there isn't working. These things do not inspire confidence. Lately we have been in contact with "Assurant"-- (not to be confused with Global Assurance). They are going over our medical histories verrrry carefully, and then, if they decide that we are acceptable, I will try to get more than the initial 15 minutes on the phone with the agent, to try and understand and shape the plan into something useful to us that we can afford. I'm not feeling very hopeful. Next on my agenda is BC/BS; I heard from an agent that they will cover overseas, then Humana, where overseas is simply "out-of-network". I frankly think it's a mistake to buy the 6 months out of the US coverage, or the coverage that stipulates that you be out of the country within 30 days from its initiation, and then fudge on that. If you had a catastrophic illness or accident of some sort, there's no way they wouldn't start checking on that stuff. What we need coverage for is the big money stuff, and the big money stuff is when insurance companies start paying very close attention.
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post #20 of 44 Old 08-21-2007
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Suzy, when you throw around vague terms like "good" and 'reasonable' or "affordable"...

Remember that a FORUM by definition is a place for discussion. If you hafve been unclear about what you are looking for, it is normal and proper for people to give you confused answers, irrelevant answers, and questions about exactly what you meant.

"a reasonably priced, dependable health insurance plan "
Define reasonably priced. Define dependable. Define what coverage you would consider acceptable or unacceptable. Are you even aware that some "reasonable" plans will not give you any air evacuation insurance? Not even for the injured party without supervision? Are you aware that limits of coverage may be as little as $25,000 per incident, or per year?

Is that reasonable and acceptable to you?

Are you aware that even the major players, like BlueCross/BlueShield, routinely and intentionally reject and delay payments to participants? Deny receiving claims sent by certified mail?

That's reasonable and acceptable to most folks, but it might not be to you.
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