People have asked what we would do it we get sick. If you have followed this BLOG, you will
remember that Ron got pancreatitis in September 2010 in Illinois and we went to
the regional hospital (in Ottawa), where we got excellent care, but then needed
to get blood tests every few weeks. Our family doctors were in Ohio and it
became more and more difficult as we did not go then and were not returning to
Ohio that often. We, thus, changed our
medical care to a clinic in Seattle last March, since we go there regularly and
have been very happy with the care there since then.
However, this
month in Puerto Vallarta, Ron started out the visit with a cough which kept
getting worse and Joan began to get sick a week later. After a week back, Joan is totally better and Ron is almost normal.
We are only hoping that our medical insurance
will reimbursed us, not only the doctor visit charges, which were not too bad,
but the prescription medications, which were VERY expensive.
Our new health
care in Seattle is actually like an HMO (no, it’s not Group Health, but Pacific
Medical-PACMED) and so far, it has covered everything when we go to the clinic
here, with a small co-pay for medications.
You need to call for permission to go somewhere else when you are out of
town, so I emailed from PV and they answered right back: out- of -country
procedures are 1) Go to the doctor, 2) Save
all receipts and 3) Submit when you
return. We read the booklet more
carefully when we got back, and it said, submit within 7 days of your
return. People have asked what we would do it we get sick. If you have followed this BLOG, you willremember that Ron got pancreatitis in September 2010 in Illinois and we went tothe regional hospital (in Ottawa), where we got excellent care, but then neededto get blood tests every few weeks. Our family doctors were in Ohio and itbecame more and more difficult as we did not go then and were not returning toOhio that often. We, thus, changed ourmedical care to a clinic in Seattle last March, since we go there regularly andhave been very happy with the care there since then.
However, thismonth in Puerto Vallarta, Ron started out the visit with a cough which keptgetting worse and Joan began to get sick a week later. After a week back, Joan is totally better and Ron is almost normal. We are only hoping that our medical insurancewill reimbursed us, not only the doctor visit charges, which were not too bad,but the prescription medications, which were VERY expensive.
Our new healthcare in Seattle is actually like an HMO (no, it’s not Group Health, but PacificMedical-PACMED) and so far, it has covered everything when we go to the clinichere, with a small co-pay for medications. You need to call for permission to go somewhere else when you are out oftown, so I emailed from PV and they answered right back: out- of -countryprocedures are 1) Go to the doctor, 2) Saveall receipts and 3) Submit when youreturn. We read the booklet morecarefully when we got back, and it said, submit within 7 days of yourreturn.
So Joan made
quite a packet up of receipts, then, and we hand-carried it to the clinic , not
trusting the USPS for timing! The doctor
visits were about $62 for each of us, but the medications were so much,
especially the antibiotic. Fortunately,
after some phone calls (our family doctors had to pre-approve the Mexican
doctor visits, which they did, dating retroactively) and we received almost all
the expense back. We do have a travel plan, the kind where if
you get real sick, they will fly you and your family member home, not too
expensive at all, and merely a safeguard while we are traveling so much.
Because we still
have three elderly parents (90, 92, and 95) we always buy the flight insurance
and some resort insurance if it is an exchange, especially with the exchange
companies that are CHEAPER than RCI:
e.g. Platinum, Trading Places.
And if we are gone, like a month, we might just buy one or two weeks,
not all of them. Of course, where we
own, we do not have the exchange insurance. When Joan’s stepmother died in November 2010,
we were able to change our flight with no charge and get back a couple of other
extra charges we had from the airline insurance.