Glenn's split RETIREMENT - Page 3 - Escape Trailer Owners Community
Journey with Confidence RV GPS App RV Trip Planner RV LIFE Campground Reviews RV Maintenance Take a Speed Test Free 7 Day Trial ×

Go Back   Escape Trailer Owners Community > Escape Me | General Topics > General Escape
Click Here to Login
Reply
 
Thread Tools Display Modes
 
Old 02-19-2015, 03:35 PM   #41
Member
 
Join Date: Sep 2014
Location: Boise, Idaho
Trailer: 2017 Escape 21
Posts: 77
Well, this is eye opening for me. Since I am just about to retirement (but not yet eligible for Medicare), I have a lot to learn. Here is a URL that lays out the (very) limited conditions under which U.S. Medicare pays for foreign medical treatment.
http://www.medicare.gov/Pubs/pdf/11037.pdf
__________________

Mountain_gal is offline   Reply With Quote
Old 02-19-2015, 06:38 PM   #42
Senior Member
 
Join Date: Dec 2012
Location: Edmonton, Alberta
Trailer: 1979 Boler B1700
Posts: 14,831
Quote:
Originally Posted by gbaglo View Post
Great in theory, but for those of us in the frozen north, the cost of medical insurance to head south in the winter is prohibitive. My dad was looking at $1,400 for two weeks coverage for a trip to Hawaii.
Another relative has a winter home in Palm Springs that they can't afford to visit.
Don't get me wrong, but when you are 50 years old and wearing rose coloured glasses, you should probably take them off once in a while.
My retired Ontario-based parents spent 3 or 4 months each year in Florida, quite affordably, for a stretch of several years during their retirement (in their 70's); they rented a place, but a trailer would have worked, too. Most of my aunts and uncles wintered in the U.S. for a few years of their retirement, mostly in Arizona, some in RVs.

But yes, that ended for my parents when medical conditions made the requisite travel insurance prohibitive for one of them. In later years - and maybe not so late depending on medical adventures - the Escape will likely be only for summer use for most Canadians.

Quote:
Originally Posted by cpaharley2008 View Post
When I retired close to 10 years ago, my goal was to be retired longer than the time worked!! Simple. Both my parents did it, my Mom is 94 and still alive.
That's a great goal, and many do it. On the other hand, if we are all unproductive for a couple of decades until our first real job, then only work for 35 years, then are retired for another 35 (for a total 90-year lifespan), then only about one-third of the population is actually working. Are we really working hard enough in that time for this to be sustainable? Has this ever worked in human history? I doubt it - and I think exploring the reason it seems to work now is a socio-political discussion that does not belong in this forum.

Quote:
Originally Posted by cpaharley2008 View Post
That said, When I did retire the mortality table which run insurance and pension calculations seem to indicate my like span was 20 years after retirement. I hope they are incorrect.
That's essentially the same information which I paraphrased from a retirement planning book in my earlier post. It makes sense, since only a small fraction of us will live to anything like 94 years old.
__________________

Brian B-P is offline   Reply With Quote
Old 02-19-2015, 06:40 PM   #43
Senior Member
 
Join Date: Dec 2012
Location: Edmonton, Alberta
Trailer: 1979 Boler B1700
Posts: 14,831
Quote:
Originally Posted by Floating Cloud View Post
Canadians cannot be reimbursed for medical care if out of the country? Even emergency treatment? You would have to have private insurance for that?
Yes, essentially. Canadian government health plans fund Canadian hospitals - they're not set up to pay massive bills from foreign facilities. I'll avoid the politics of that - it's just a reality for context when travel planning.

Many of us - like Donna - have employer-provided travel medical insurance; mine covers up to 45 days at a time outside of Canada. For this reason, there is something to be said for traveling across the border on working-era vacations, then sticking with exploring one's own country in retirement.
Brian B-P is offline   Reply With Quote
Old 02-19-2015, 06:49 PM   #44
Senior Member
 
Join Date: Dec 2012
Location: Edmonton, Alberta
Trailer: 1979 Boler B1700
Posts: 14,831
Quote:
Originally Posted by gbaglo View Post
A lot of people don't realize that they need travel medical insurance for 'out of province' trips as well, since medical is a provincial responsibility.
Yes, but the provinces have reciprocal coverage agreements, so you are still covered while temporarily visiting in another province. Out-of-province insurance is privately available, and it is cheap because there's not much to cover. Go ahead - visit those grandchildren on the other side of the country!

Alberta: AHCIP coverage within Canada
British Columbia: Medical Care Outside British Columbia
Brian B-P is offline   Reply With Quote
Old 02-19-2015, 07:26 PM   #45
Senior Member
 
gbaglo's Avatar
 
Join Date: Oct 2008
Location: North Vancouver, British Columbia
Trailer: 2009 Escape 17B 2020 Toyota Highlander XLE
Posts: 17,130
The site you link to for BC says, in part:

"B.C. residents are strongly advised to purchase additional health insurance when travelling to other Canadian provinces to cover the cost of services not included in the reciprocal agreement between provinces".

Watched a show the other day on how cost of ambulance varies from province to province. My recollection is it costs about $84 in BC and $800 in another province. Air ambulance would cost thousands. Such coverage is really quite cheap.
__________________
What happens to the hole when the cheese is gone?
- Bertolt Brecht
gbaglo is offline   Reply With Quote
Old 02-19-2015, 07:44 PM   #46
Member
 
Join Date: May 2013
Location: st louis, Missouri
Trailer: 2006 casita
Posts: 31
Very interesting topic. Wish I lived in Canada. My health cost are north of 500 a month but it is what it is. I plan to work 10 more years then get out of the business I will never be able to not work but at least I find something I can enjoy I am looking forward to putting in an order for an escape in next few weeks As the movie quote goes get busy living or get busy dying. Life is just too short Looking forward to meeting someone of you in next in next few years what a great group of people
kevin is offline   Reply With Quote
Old 02-19-2015, 07:45 PM   #47
Senior Member
 
Join Date: Dec 2012
Location: Edmonton, Alberta
Trailer: 1979 Boler B1700
Posts: 14,831
Quote:
Originally Posted by gbaglo View Post
The site you link to for BC says, in part:

"B.C. residents are strongly advised to purchase additional health insurance when travelling to other Canadian provinces to cover the cost of services not included in the reciprocal agreement between provinces".

Watched a show the other day on how cost of ambulance varies from province to province. My recollection is it costs about $84 in BC and $800 in another province. Air ambulance would cost thousands. Such coverage is really quite cheap.
Sure... but if you're in a province with $800 ambulance rides, you hardly need to buy insurance to be in a place with $84 ambulance rides... especially since the provincial health care plan doesn't cover that ride at all in most provinces, so it isn't really a health insurance difference. The B.C. web site seems somewhat alarmist to me, but if you do take their advice, I agree that the travel insurance is cheap (at least compared to insurance for international travel).

B.C. cheats the reciprocal agreements by saying that ambulance costs are not covered by health care, then covering the cost for everyone with B.C. health care. Fortunately the hospital visit at the end of the ambulance trip we needed in B.C. was fully covered by Alberta Health Care.
Brian B-P is offline   Reply With Quote
Old 02-19-2015, 07:48 PM   #48
Senior Member
 
Ian G's Avatar
 
Join Date: Jan 2013
Location: Calgary, Alberta
Trailer: 2014 Escape 19', 1974 Boler
Posts: 449
To my Canadian friends look into travel health plans. We are on a plan that guarantees us the ability to travel internationally until we are 80, we pay a monthly fee which if we don't make a claim in 10 years we get a 50% refund of our premiums. As Brian mentioned our parents had similar experiences with travel insurance becoming too expensive after they suffered from a few health concerns.
__________________
Ian & Joan
2014 Escape 19', 1974 Custom Boler "Buttercup", 2021 Lexus GX 460
Escape Key Chains at our Camping Treasures web store || www.Proud-Canadian.com blog
Ian G is offline   Reply With Quote
Old 02-19-2015, 07:56 PM   #49
Senior Member
 
gbaglo's Avatar
 
Join Date: Oct 2008
Location: North Vancouver, British Columbia
Trailer: 2009 Escape 17B 2020 Toyota Highlander XLE
Posts: 17,130
I took the BCAA health questionnaire with me on a visit to the doctor, looking for help in ensuring that I filled it in correctly. I was willing to pay, if necessary, which I wasn't.
And, even the doctor had difficulty interpreting some of the questions. A wrong answer could result in a claim denial.
Aren't I full of cheer?
__________________
What happens to the hole when the cheese is gone?
- Bertolt Brecht
gbaglo is offline   Reply With Quote
Old 02-19-2015, 08:01 PM   #50
Site Team
 
rbryan4's Avatar
 
Join Date: Jun 2014
Location: Canyon Lake, Texas
Trailer: 2015 19 "Past Tents", 2021 F150 Lariat 2.7L EB
Posts: 10,146
Quote:
Originally Posted by kevin View Post
Very interesting topic. Wish I lived in Canada. My health cost are north of 500 a month but it is what it is. I plan to work 10 more years then get out of the business I will never be able to not work but at least I find something I can enjoy I am looking forward to putting in an order for an escape in next few weeks As the movie quote goes get busy living or get busy dying. Life is just too short Looking forward to meeting someone of you in next in next few years what a great group of people
Likewise Kevin. Hope to meet you too.
__________________
"You can't buy happiness, but you can buy an RV. And that is pretty close."
rbryan4 is offline   Reply With Quote
Old 02-19-2015, 08:04 PM   #51
Senior Member
 
Mike Lewis's Avatar
 
Join Date: Feb 2013
Location: Santa Rosa County, Florida
Trailer: 2014 Escape 21
Posts: 2,910
Canadians: I recall reading that your government-funded health insurance is based upon your province, and that you have to be able to prove that you reside in your home province for at least six months out of the year in order to qualify for coverage. Is that correct?
__________________
Mike Lewis
She don't lie, she don't lie, she don't lie-- propane
Photos and travelogues here: mikelewisimages.com
Mike Lewis is online now   Reply With Quote
Old 02-19-2015, 08:10 PM   #52
Senior Member
 
Join Date: Apr 2013
Location: Kamloops, British Columbia
Trailer: 2013 Escape 19
Posts: 249
My wife and I have employer paid health benefits and have decided to purchase additional coverage for our 5 days in California. While our employer paid plan covers the basics, it does not cover repatriation in the event one of us needed to be transported back to our home under medical care via plane, etc. While highly unlikely will need it, something like this could be very expensive. I think perhaps on both sides of the border most private and public health plans do not cover repatriation without additional fees.
gharper is offline   Reply With Quote
Old 02-19-2015, 08:26 PM   #53
Senior Member
 
float5's Avatar
 
Join Date: Nov 2010
Location: Denison, Texas
Trailer: 2015 21'; 2011 19' sold; 4Runner; ph ninezero3 327-27ninefour
Posts: 5,136
Sounds as if the Canadian health system is the same as Medicare when out of country, namely, neither pays anything, so you have to have a supplement or a private policy. I was wondering if Canada was different.

That is worse for Canadians because Americans have private insurance to 65 (and often after) and it usually covers out of country medical as some have mentioned with theirs. So I guess Canadians are aware that they have to get a special policy for travel at any age. I wonder how many leave and do not realize that. Americans, on the other hand, may leave the country after age 65 and not realize that Medicare does not cover them, especially if they just go over the border to Mexico or Canada.
__________________
Cathy. Floating Cloud
"Live in the sunshine, swim the sea, drink the wild air.... "
Emerson
float5 is offline   Reply With Quote
Old 02-19-2015, 08:29 PM   #54
Senior Member
 
Jim Bennett's Avatar
 
Join Date: Oct 2008
Location: Calgary, Alberta
Trailer: 2017 Escape 5.0 TA
Posts: 15,368
Quote:
Originally Posted by gbaglo View Post
Aren't I full of cheer?
No worries, I don't think anyone is accusing you of that.
__________________
2017 Escape 5.0 TA
2015 Ford F150 Lariat 3.5L EcoBoost
2009 Escape 19 (previous)
“Most folks are about as happy as they make up their minds to be.” — Abraham Lincoln
Jim Bennett is offline   Reply With Quote
Old 02-19-2015, 08:29 PM   #55
Senior Member
 
float5's Avatar
 
Join Date: Nov 2010
Location: Denison, Texas
Trailer: 2015 21'; 2011 19' sold; 4Runner; ph ninezero3 327-27ninefour
Posts: 5,136
Quote:
Originally Posted by gharper View Post
My wife and I have employer paid health benefits and have decided to purchase additional coverage for our 5 days in California. While our employer paid plan covers the basics, it does not cover repatriation in the event one of us needed to be transported back to our home under medical care via plane, etc. While highly unlikely will need it, something like this could be very expensive. I think perhaps on both sides of the border most private and public health plans do not cover repatriation without additional fees.
And what you mention is why Americans who travel often get travel insurance especially when going overseas. Probably many do not get it for land border crossings but they can be out just the same.
__________________
Cathy. Floating Cloud
"Live in the sunshine, swim the sea, drink the wild air.... "
Emerson
float5 is offline   Reply With Quote
Old 02-19-2015, 08:32 PM   #56
Member
 
alan in alberta's Avatar
 
Join Date: Feb 2014
Location: St Albert, Alberta
Trailer: 2006 Escape 17B
Posts: 87
but for those of us in the frozen north,

Really North Van the frozen north that is hilarious
alan in alberta is offline   Reply With Quote
Old 02-20-2015, 12:43 AM   #57
Senior Member
 
Join Date: Dec 2012
Location: Edmonton, Alberta
Trailer: 1979 Boler B1700
Posts: 14,831
Quote:
Originally Posted by Floating Cloud View Post
...That is worse for Canadians because Americans have private insurance to 65 (and often after) and it usually covers out of country medical as some have mentioned with theirs.
Very many Canadians have private insurance as well to cover things not covered by government plans (such as prescription drugs, dental care... and out-of-country coverage). Because it is usually through our employers, we tend to lose coverage in retirement... although some retirement benefits include medical coverage (at least in-country).
Brian B-P is offline   Reply With Quote
Old 02-20-2015, 12:57 AM   #58
Senior Member
 
gbaglo's Avatar
 
Join Date: Oct 2008
Location: North Vancouver, British Columbia
Trailer: 2009 Escape 17B 2020 Toyota Highlander XLE
Posts: 17,130
Half of my basic medical is covered by my former employer ( because it is a benefit won by the union I belonged to ). So, I pay $720 a year and the company the same.
When I retired, I lost the company extended health and dental plan and I pay that myself - $290 a month.
So, medical isn't free up here, but at least we don't pay $300 for a Zip-lock baggie with a couple BandAids and some ointment ( the charge a co-worker was billed in Arizona when he went to a clinic for an ingrown toenail ). He was reimbursed by extended health.
__________________
What happens to the hole when the cheese is gone?
- Bertolt Brecht
gbaglo is offline   Reply With Quote
Old 02-20-2015, 09:27 AM   #59
Senior Member
 
thoer's Avatar
 
Join Date: Oct 2009
Location: Galesville, Wisconsin
Trailer: 2017 21 "Blue II" & 2017 Highlander XLE (previously 2010 17B "Blue" & 2008 Tacoma)
Posts: 4,225
I just had surgery on two fingers that had "trigger finger" (essentially carpal tunnel of the finger) It is outpatient and very minor, a small cut is made, the band encasing the tendon is snipped and it's sewn back up. The surgery itself last about 10-15 minutes. The hospital bill before insurance discount was $16,000. Luckily I have insurance that paid most of that ridiculous bill.
__________________
Eric (and Mary who is in no way responsible for anything stupid I post)

"Beware of false knowledge; it is more dangerous than ignorance." George Bernard Shaw
thoer is offline   Reply With Quote
Old 02-20-2015, 09:46 AM   #60
Senior Member
 
Vermilye's Avatar
 
Join Date: Feb 2010
Location: Oswego, New York
Trailer: 2017 Escape 21C, 2018 Ford F150
Posts: 5,105
You do have to watch ambulance rides in the US as well. I've had two of them, the first a helicopter between Nantucket Island & Boston (around 80 miles) - $13,634.00. The second was a standard ambulance from Buckskin Mountain State Park to Parker AZ, (13.4 miles) - $1640.73. I'm awfully glad my insurance covered most of each.
__________________

__________________
Jon Vermilye My Travel Blog
Travel and Photo Web Page ... My Collection of RV Blogs 2018 F150 3.5EB, 2017 21
Vermilye is online now   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off




» Featured Campgrounds

Reviews provided by

Disclaimer:

This website is not affiliated with or endorsed by Escape Trailer Industries or any of its affiliates. This is an independent, unofficial site.


All times are GMT -5. The time now is 08:59 AM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2022, vBulletin Solutions, Inc.
Copyright 2012 Social Knowledge, LLC All Rights Reserved.
×