MDI, I have been seriously Ill, spent two months in the hospital paralyzed from the waist down, and I worked in cardio-pulmonary medicine for 15 years. Believe me I know how ridiculously high hospital costs are in the U.S.. If you'll notice, at the past part of my post I said "More often than not, those procedures are already covered by your standard, health-care policies." I didn't recommend dropping his standard, health-care policy. I just don't recommend adding a very expensive catastrophic policy that would likely not be recognized in most countries other than the one where it was originally purchased. Also, keep in mind that in many, many nations of the world, the cost of health-care is miniscule when compared to the U.S.--even catastrophic care requiring surgery and extended hospitalization.
I agree, that $5,000 wouldn't cover a single MRI or Cardiac Catheterization procedure in the U.S., which when you think about it, is ridiculous in itself. I just got out of a dentist chair and we talked about implants, which are nothing more than tiny, titanium pins screwed into the jawbone. The cost, $3,000 each and at least 4 are recommended. The same procedure in many other nations would be a fraction of that.
That $5,000 I talked about, however, would probably cover transportation costs back to the U.S. from just about anyplace in the world. Getting the boat back home would likely cost a lot more.