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  Topic Review (Newest First)
09-21-2004 12:42 AM
Health Insurance Question

Pi, I noticed this thread and it coincides with me recently getting an email from friends who are now out cruising after retiring - early - without health coverage. He''s still riding on COBRA but will soon need to acquire their own package. He was commenting about how many choices there are these days, and how affordable they were. Since they spend part of each year back in their home in Tampa Bay, I know he was referring to world-wide coverage that would be of value inside the USA. I told him at the time (only two weeks ago! I''m a prophet...) that there would be others who would benefit by his research.

It turns out that their last two weeks have been spent watching Ivan march right over the top of their boat (at the S end of Grenada), then flying down to Trinidad to hitch a sailboat ride back up to Grenada (the only way in/out at the time), rescue their boat (one of the 20% of boats, his estimate, to survive with only minor or no damage) and move it back down to Chag Bay outside POS. So...he''s been pretty busy. But I''ll bump him again and ask him if he''s got the results of his research ''with him'' (parked in his laptop somewhere, I suspect) and can find the time to share them here or in some neutral corner of the Web.

09-20-2004 01:37 PM
Health Insurance Question


Glad to hear you''ve had the opportunity to visit my neck of the woods. It''s like most places...there are some good things,and some not so good things about it.

So you are contemplating taking off to cruise too? I struggle with the issue everyday, if not every hour.Health insurance is indeed a "big ticket" item.

I read an article recently that discussed how high boat insurance is getting also.Several companies are placing more restrictions on where cruisers can travel. One skipper mentioned that to cross the Atlantic,not only must they have four people on board,but they must also be part of an orgainized rally! Apparently some companies are refusing to insure U.S.documented boats that are taken to the Carribean. To quote another cruiser,"Folks with $80K - $150K boats just aren''t insuring anymore, or they''re staying at home."

The article went on to explain some of the reasons why the rates are sky-rocketing, but basically it boils down to Wall Street investors don''t believe that insurance companies are good investments anymore.

Are any of you cruisers out there experiencing these types of problems, and can elaborate?
09-20-2004 12:07 PM
Health Insurance Question

Stede, Thanks for the input. To add to your note, my best friend moved to Asheville some years back. I''ve been down to see him on a couple of occasions and was totally surprised to find so many people living there that I knew up here but had lost touch with over the years! There must be some sort of attraction but honestly, I don''t see it!
09-20-2004 03:14 AM
Health Insurance Question


I posed a similar question to yours some time ago.If I recall correctly, Jack- aboard "Whoosh" offered some good information on international insurance companies offering lower health insurance rates.You might want to do a search here using the topic "Message in a Bottle." I hope the information is of some help to you.I''ve struggled with this issue as well.I''m about 7-1/2 years away from retiring at age 55.If I make it, the company I work for will pay a large portion of my health care insurance each month.Time is a commodity that we can''t buy back though,and I continually try to come up with alternative solutions to get around the insurance problem,which would allow me to cruise earlier.A good friend once told me, "Poor folks,has poor ways." Well, I''m still looking for them! Good luck!

*** On a side note. I noticed your post had a reference to "Yankee" in it.In a previous post by me, I made an "off the cuff" remark about "Yankees" moving to NC.Maybe it''s just coincidental? Regardless, the thought occured to me that maybe my words couldn''ve offended someone,and if so,I''m truly sorry.While this is a great form of media to use,what is very hard to some times express in our words, is tone.Many of my best friends are from the northern states and we tease each other about many things.Please forgive me if I offended you, or anyone else.Thanks!
09-19-2004 11:37 PM
Health Insurance Question

working in the allied health profession I know how you feel.I work in an emergency room and see it all.I always say to my self what if that was me 5 miles from the bottom we get older we all are prone to illness so I dont know how to answer your concerns except to say take care of your self beforehand.I am glad I did what I have donewhile I was young.
09-19-2004 05:03 PM
Health Insurance Question

Okay, inquiring minds need to know… I can probably make enough money to feed myself on an extended cruise and I can come up with all sorts of “Yankee” ways to fix any of my boat’s ills, but what about medical insurance. My wife, who has absolutely no interest in following my whims on an extended cruise (say 5 years or so), has offered to stay married and working to keep our currant insurance available. But what if I can talk her into joining me, which is what I’d really like? My health is good right now but that could change and what about emergencies like a broken limb or an appendix attack, etc. How are others dealing with health costs incurred while underway?

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