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3 Days Ago 10:33 PM
Re: $3000/mo cruising budget

Originally Posted by Bleemus View Post
Interesting. I have found my health care in the last 6-8 years to have improved and gotten cheaper. Sorry to hear your not seeing the same thing. Heal fast!

Sent from my iPad using Tapatalk
That's interesting. My supplemental policy just rose in cost by 20 percent, I called the insurance company and asked why it increased and they said it was because of Obama Care guidelines for Plan-F. Just sayin'

3 Days Ago 08:01 PM
Re: $3000/mo cruising budget

Interesting. I have found my health care in the last 6-8 years to have improved and gotten cheaper. Sorry to hear your not seeing the same thing. Heal fast!

Sent from my iPad using Tapatalk
4 Days Ago 06:57 PM
Re: $3000/mo cruising budget

Not to go OT, Gary, but I've had family troubles with antibiotic resistant c.diff. The then-radical and approved fecal transplant proved to be the only solution after 18 months on every antibiotic proved useless. That was some five years ago, the latest thinking is that gut biomes are the real problem, and that balancing the biome with it's mystic brew of 40,000(?) life types may be the real problem that causes the c.diff. to go Godzilla on people, when some routine antibiotic or other change wakes it up.
4 Days Ago 12:59 PM
Re: $3000/mo cruising budget

In August, I had some health issues, one of which turned into a bizarre ordeal that was caused by physicians not communicating with each other, and not listening to the patient (me). I had to have a root canal, not the first one ever performed on me, and the dentist put me on Augmentin, just to be on the safe side. A day later, my GP put me on Doxicycline for a Lymne Disease flareup. The following week I had hemorrhoidal surgery, which is quite painful to say the least. Two days after the surgery, I developed Clostridium Difficile (better known as C.diff), which caused me to be hospitalized for 6 days. Believe me, no one can imagine what C.diff can do to you, but during those 6 days I lost 30 pounds and was unable to keep food in my digestive tract with eruptions from both ends during much of that time. While I was hospitalized, the attending physician decided that my blood pressure was too low, so he cut out most of my heart medications, which caused my blood pressure to sky rocket to 220/110 with a pulse rate of 110 to 115. With the C.diff on it's way toward resolution, I checked myself out of the hospital, resumed taking my heart medications at home, and after a couple weeks, things were looking better. I'm still not 100 percent over the effects of C.diff, and from what I've been told by others that have suffered from this disease, it could take as much as 6 months to feel normal again.

Now, that 6 days in the hospital, even though covered by Medicare and a Blue Cross/Blue Shield Plan-F supplemental policy (High deductable) has cost me, out of pocket, $1,500, of which the hospital quickly grabbed $1,100. Now, that would take a big chunk out of my cruising kitty. And, I'm still getting bills from people that I've never heard of, folks who were called for consultations because the attending physician didn't have a clue what the Hell he was doing.

Yes, the US health system is really screwed up, especially during the past four to six years, and it will take a lot of work to resurrect it. I spent 15 years working in Cardio-Pulmonary medicine at two of Baltimore's most prestigious hospitals, and worked with some of the top physicians in the field. Most have long since passed away, and I'm sure they would be rolling over in their graves if they were to see what has happened to the worlds greatest health care system.

Bottom line, a big chunk of your savings, especially later in life, will be going out for health care, therefore, best take that into consideration for your cruising budget.

All the best,

5 Days Ago 10:40 PM
Re: $3000/mo cruising budget

Yeah .... The whole health care situation here in the USA is just bizarre.
6 Days Ago 06:29 PM
Shockwave We're from the government, we're here to help. : )
6 Days Ago 05:34 PM
Re: $3000/mo cruising budget

Originally Posted by hpeer View Post
Just priced ACA for my Wife. Luckily (?) she won't qualify for any assisstance. Looking like premiums will be around $600/month. She is 63 so this will go on for 2 years.

So that is $7,200/year, before tax or close to $10,000 total earnings.
Don't forget to take the tax write off whatever portion of that is more than 10% of her income, if any. It may be well worth filing separately for those two years.
6 Days Ago 05:14 PM
Re: $3000/mo cruising budget

Look out for some clever new cop-outs in the ACA plans. Often they are HMO/PPO only plans, and you will find that there may be no local ambulance service that is a plan member, and no local hospital that is a plan member. An ambulance run can cost $800 for 4 miles when you call 911. And they often are allowed to go only to certain receiving hospitals, which may be for-profit institutions these days that are strictly out-of-plan providers for many of the ACA plans.
A number of the ACA companies in recent weeks have said their plans will increase perhaps 30% for 2016, and at least one major player has said they will withdraw from offering ACA plans unless costs can be contained.

They are, after all, professionals at fine print.
6 Days Ago 03:20 PM
Re: $3000/mo cruising budget

Just priced ACA for my Wife. Luckily (?) she won't qualify for any assisstance. Looking like premiums will be around $600/month. She is 63 so this will go on for 2 years.

So that is $7,200/year, before tax or close to $10,000 total earnings.
6 Days Ago 02:08 PM
Re: $3000/mo cruising budget

Was away for a year so far so still don't have good personal database but would note:
Hired crew on another boat broke his arm. Went to local hospital. Became septic. Dx. missed. 24 y. o. Healthy kid prior to accident. Tragic death.
Friend self treated pneumonia he developed while on passage. Like me another retired physician. Came home. Cultured. Placed on appropriate agent. Fine now and flying back to his boat.
Fellow cruiser has CML. Dx. after starting the life. Goes back to his home town on scheduled intervals. Doing fine.

As with many things you don't know who is good or bad at their profession or job until after you use them. When you travel the likihood or injury or illness may increase. These two things seem to be true in US as well as elsewhere. The glitz of pretty rooms and such is irreverent. However, for most it is easier to make an educated guess as regards competency in your home country. Having the social support system at your initial home also makes it easier to deal with injury or illness.

So for present have Medijet Assist. Will pay Cobra for wife when she fully retires late spring. Have used local services but have noted wide variance in knowledge base of providers.

Totally agree US health system broken with administrators getting seven figure salaries both at hospitals and in insurance companies. Having the US subsidize drug development for the world is ridiculous. Tort system also broken. Discrepancy between income of several specialities (derm,ortho, ophthalmology, path etc.) and the cognitive docs (peds, internal med, neuro) is not reasonably justified.
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