Tuesday, October 25, 2016
A Trip to the Mall
Friday, October 21, 2016
Our Affordable Health Care Plan
For our ages (61 and 62) we are extremely healthy and have cruised the last two years without medical insurance. If one is out of the US more than 350 days in the calendar year, that's perfectly okay, but now that we are back in the US for several months we decided to look into medical insurance.
Using the terribly difficult-to-navigate Healthcare.gov website, we were offered a policy for $1600.00 per month with a $9000.00 deductible. That could add up to $28,200.00 annually if we had to use it. And, $1600.00 per month is HALF our income. How could that possibly be considered affordable?
It's not.
The Captain recently developed a hernia which is fairly common for men his age, and surgical repair is the only solution. We've had lots of things to take care of in the last two months what with the generator repair, moving the boat to St. Augustine, and dealing with Hurricane Matthew, but finally we were ready to get his hernia repaired.
And what do you think we did ?
We flew to Costa Rica where he had his hernia repaired in a first rate hospital for a fraction of the cost an American hospital would have charged. The hospital was clean, modern, and efficient. The staff was skilled, kind and many spoke English. The doctor was gentle, compassionate, and spoke excellent English.
The doctor charged $3500.00, the hospital charged $2008.00, the hotel was $1500.00, and the airfare was $800.00. So for $8000.00 we got the Captain repaired and had a mini vacation too. We know we will be penalized on our tax return next year for not having medical insurance, but even adding that onto the cost of the surgery, we will still be money ahead.
Now I understand that this option might not be for everyone, but we are very comfortable travelers, and we've had lots of experience with hospitals. Our oldest daughter's medical condition has led us to experience many different surgeries, medical procedures, and situations so we feel comfortable, not stressed, in hospitals. If we had seen anything unusual we would have questioned it, but every step of the process was professional and predictable.
The point of this post is not only to demonstrate our frustration with, and lack of faith in, the American medical system and the Affordable Care Act, but also to offer an affordable option for others in our situation. Medical tourism is quite a common occurrence in Mexico, Costa Rica, Thailand, Brazil, Singapore and Malaysia. The rich and famous have been doing this for ages, but with the increasing cost of health care in America, maybe it's time for the rest of us to follow suit.
For more information, check out this site:
http://www.cnbc.com/2014/03/12/top-destinations-for-health-tourism.html
Thursday, October 20, 2016
Shoes....Let's Get Some Shoes
Thursday, October 13, 2016
Tourists in St. Augustine
Tuesday, October 11, 2016
Hurricane Damage
Sunday, October 9, 2016
Post Hurricane Matthew
Thursday, September 29, 2016
Westerbeke Generator Runs Again
We are celebrating a major achievement here on Thistle. Watch the video. It's pretty funny.
We last ran the generator in Fajardo, Puerto Rico on March 9th, just before we went home to California for two months. When we got back we couldn't get it started. We thought it was the injection pump, so we had it rebuilt there in Puerto Rico, but it still wouldn't run. We decided to continue on to Florida and fix on it there, so we meandered up to the Bahamas using ice to chill our food and the main engine to charge our batteries.
On June 22nd we got a mooring at Sunset Bay Marina in Stuart, Florida, removed the cylinder head, and took it to a machine shop to be rebuilt. It was in pretty nice shape, but they put in three new valves just to be safe. We bolted it onto the engine., but it still wouldn't run.
Digging deeper we discovered that we had very little compression, so we took the whole thing apart and took the block to the machine shop. It took a week for them to figure out how much to bore it out, then we ordered the parts from Westerbeke and that took six weeks. Then another week and a half for the machine shop to actually rebuild the block, and five days for us to put it all back together.
We could do a lot of complaining about the service we received from Westerbeke, but what good would it do? We're just happy that the generator is running again and we can start cruising again.
Monday, September 26, 2016
Main Cabin Floors
Saturday, September 24, 2016
Heart and Sole
Thursday, September 22, 2016
The Westerbeke Returns!
After nine, yes NINE, weeks at the machine shop the Wayward Westerbeke has returned home. It certainly wasn't the machine shop's fault because they did their work in about two and a half weeks; one week to figure out how much to hone the cylinders so we could order the proper parts, and a week and a half to actually do the work after the parts arrived.
The other six weeks were spent waiting for parts from Westerbeke. We received abysmal service from them and we wouldn't recommend buying Westerbeke products to anyone ever.
Our time here hasn't been wasted though. We've kept busy varnishing things, cleaning things, installing solar panels, and taking a vacation. And Stuart is a nice place to be "stuck" if one has to be stuck in Florida.
The best part is being at Sunset Bay Marina, where beautiful sunsets are guaranteed every night.