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Go Back   SailNet Community > General Interest > General Discussion (sailing related) > Voyaging on $500 per month
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Topic Review (Newest First)
01-08-2015 11:35 AM
MikeOReilly
Re: Voyaging on $500 per month

Spring...? Well, it has warmed up to a balmy -25 C today (that's -13 F for my American friends). Ice is still building on Lake Superior, and it's snowing.

I have a good imagination, but I won't be conjuring up Spring for some months yet .
01-08-2015 01:03 AM
mrhoneydew
Re: Voyaging on $500 per month

Ohhhh yeah! Spring is around the corner! I fly to Mexico on Monday for a week to sit on the beach with a fruity drink and a book. After I get home I go to the Seattle Boat Show and write some articles for a local online boating magazine... and before you know it May will be here when I haul out to do some work on the boat before I head up the Inside Passage into Canada for 3 months or so. There is something about getting the holidays out of the way. It doesn't much matter what the weather looks like outside... that bug still bites!


Sent from my iPhone using Tapatalk
01-07-2015 08:50 PM
barefootnavigator
Re: Voyaging on $500 per month

Yet another reason to voyage on 500 per month. Health insurance is the culprit. I had all my ducks in a row, money in the bank blah blah blah. A person very near and dear to me was dying and our medical system could not do a damn thing. She had been bed ridden for 6 months and fading fast. I decided to try ancient Chinese medicine as a last resort and now she is 90 percent recovered and out and about doing great. It killed the cruising kitty but who cares. Spring is coming and again we will set off for 6 months with a whopping 3K saved for the trip. Will we have to go back to work at the end? Sure. If there is anyone here who can complain about only getting 6 months in I'm sure they will chime in but we were very happy with the outcome of the situation and spring is literally beating our door down. For all you budget guys out there stick too it and keep reading the is thread. I just finished re reading the whole thing from start to finish and its a gold mine for those who voyage on a limited budget regardless what it is. Life is good here in the Islands.
01-01-2015 11:26 AM
Waterrat
Re: Voyaging on $500 per month

It has been since 2009 but I purchased travel insurance while traveling for six months through central and South America and it was quite reasonable. Supposedly they would medically evac me back to the states if crap hit the fan. I think it cost me less then 200 bucks for the six months. My wife and I bused around Dominican Republic for 10 days last spring and purchased travel insurance for less the 100 bucks. In hind sight that was 5% of our travel budget including flights but it gave piece of mind. There are many insurance companies that will cover you for a couple of months. Shop around a little and I bet for less then 100-200 bucks you and your wife could be insured of total wealth destruction from our sociacoporate health systems for a few months. I hate insurance companies but it sure does bring some piece of mind.
12-31-2014 01:43 PM
MikeOReilly
Re: Voyaging on $500 per month

Quote:
Originally Posted by MedSailor View Post
I'm not sure how this works for members of the 51st state. It might be that your government foots the bill for your care while you're here.

A few years ago when I was a hospitalist I had an interesting interaction with Health Canada. A Canadian citizen was admitted to our hospital with chest pain and we were observing her to see if she was having (or about to have) a heart attack.
Makes sense Med. Our medicare will pay for out-of-province expenses up to the level it would have cost up here, in my case here in Ontario. Interestingly, this produces some challenges within Canada b/c each province maintains its own health insurance program. Not all cover things at the same level ... but the differences between provinces are mostly minor compared to US-to-Canada costs.

I guess I'm thinking of basic evacuation insurance for my travels through the 11th province . Anyone know anything about those types of policies, and how they would apply for Canadians in the U$A?
12-31-2014 01:32 PM
MedSailor
Re: Voyaging on $500 per month

Quote:
Originally Posted by MikeOReilly View Post
So, to bring this back to the topic, how do people manage this potentially sizeable cost? As a frugal cruiser I am increasingly concerned that I may have to bypass the USA completely. Given where we are in the world (Canada), this is difficult.

Anyone have an inexpensive solution, or am I committed to the Bermuda to Bahamas run?
I'm not sure how this works for members of the 51st state. It might be that your government foots the bill for your care while you're here.

A few years ago when I was a hospitalist I had an interesting interaction with Health Canada. A Canadian citizen was admitted to our hospital with chest pain and we were observing her to see if she was having (or about to have) a heart attack.

Health Canada had a physican call me several times to discuss her case and at times he had more up to date lab and vital information than I had seen. He was interested in my plan of care and at the first sign that we were about to do something expensive he sent an ambulance to go get her. He never put any pressure on me to move her in an unstable condition, which I appreciated, and I knew that she only needed one more day in the hospital but it seems that sending an ambulance to go get her and continuing her care up north was cheaper than having her stay here for one more day.

MedSailor
12-31-2014 01:25 PM
krisscross
Re: Voyaging on $500 per month

Quote:
Originally Posted by MikeOReilly View Post
Anyone have an inexpensive solution, or am I committed to the Bermuda to Bahamas run?
Inexpensive solution to high cost of US healthcare for Canadians?

Don't get sick.
Bypass US altogether.
If you do get sick and end up racking up a big bill - get in your boat and run.

12-31-2014 01:10 PM
MikeOReilly
Re: Voyaging on $500 per month

So, to bring this back to the topic, how do people manage this potentially sizeable cost? As a frugal cruiser I am increasingly concerned that I may have to bypass the USA completely. Given where we are in the world (Canada), this is difficult.

Anyone have an inexpensive solution, or am I committed to the Bermuda to Bahamas run?
12-31-2014 12:28 PM
krisscross
Re: Voyaging on $500 per month

My sympathies, Gary. Glad to hear you pulled through. Hopefully you and your good wife will soon fully recover. I try to stay away from the racket of US healthcare industry but sometimes one has no choice. You got hosed big time, but at least you are alive to pay the bills (that seems to be their motto).
12-31-2014 12:08 PM
MedSailor
Re: Voyaging on $500 per month

Gary,

Sorry to hear that you and your wife are so sick. Positive thoughts headed your way to you and yours (no charge). Care to share with the medically curious (public or PM) what the virus was? Flu? Ebola? Relaxing remitting hemmorhagic boo-boo-gigi fever?

You're right about the cost of treatment and the drugs. There are a lot of people making a LOT of money off of this stuff. The latest trend is specialty drugs, which account for 1% of prescriptions and 25% of all prescription drug spending. Gary's story should provide a cautonary tale about attempting to cruise in the USA without health insurance. It can wipe out your entire cruising kitty VERY quickly!

Gary, take care of yourself and your wife. Hopefully in a few weeks this will just be an unpleasant memory.

MedSailor
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