Healthcare while traveling the world...What type of insurance pays abroad? Check out the precious photo from one year ago!
A Cattle Egret we spotted while driving. |
A drove along a beach road at low tide. |
1. Will Medicare pay for my medical expenses while aboard? NO
2. Will Tom's health insurance, still in effect until he's 65 (he's 62 now), cover him outside the US? YES
3. Are any prescriptions covered? NO
4. Are doctor visits covered? NO FOR EITHER OF US.
Many sunbathers are out on cloudy days. |
Why have coverage for both of us when Tom already has insurance? His insurance doesn't include emergency evacuation. Our combined policy with Healthcare International covers emergency evacuation for both of us and the cost for either of us to travel back to the US in the event of the death of an immediate family member (up to $5000).
Snorkeling on a sunny day. |
With a plan to be outside the US for years to come, health providing, and with little need for doctor visits at this time (neither of us have visited a doctor in 26 months) it made no sense to pay for anything other than major medical and travel insurance for me.
Each night we wander across the street to check out the whales and the waning sun. |
If and when we need to visit a doctor in her/his office, we'll happily pay out of our pocket when costs in most countries are considerably less than in the US. Many would say this plan is foolhardy. For us and our unique circumstances, it makes the most sense financially and otherwise.
The trek down to the beach across the street from us is treacherous. |
In 10 years, we may feel differently but for now, this plan works for us. It may not work for others, if they frequently visit their doctor for prescriptions and medical checks.
Healthcare International has a wide array of other policies including more comprehensive coverage that includes doctor visits but for us, at this time, it is unnecessary.
A solitary orange leaf amongst green other leaves. |
If any of our readers have further questions regarding our insurance please feel free to click the included links, post a comment at the end of today's post or ask us a question via our email posted on our site at the top of the page, on the right side. We'll answer your questions within 24 hours at most.
Its always easy to find a beach at the end of any road heading in any direction. |
Today, we're off for our lunch date at the Westin Hotel in Princeville with Elaine and Richard where we'll take more photos of the exquisite luxury resort and perhaps of few of ourselves while we languish in delightful conversation with our new friends.
Have a fabulous Friday!
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Photo from one year ago today, February 6, 2014:
Its hard to believe it was a year ago that we took this photo of a Vervet Monkey and her baby as they looked down at us while we sat on the veranda at Khaya Umdani. What an amazing start to a day. We love the baby's super thin pinkish ear which eventually will be close to the head. For more photos from that date, please click here. |