Do we need travel insurance if we already have Medicare and a supplement?…

The flowers in Hawaii are breathtaking such as this colorful lily.

When you have Medicare Parts A and B and a supplement and are planning to travel internationally, it’s essential to know how your coverage works and whether travel insurance is a good idea or is necessary. Most Medicare plans and supplements have some limitations for travel. Thus, checking with your provider before committing to an additional travel plan is imperative.

My Plan G supplement with Aflac covers 80% of emergency travel expenses. Of course, I pay a monthly premium for this comprehensive plan. But, it doesn’t cover trip cancellation, lost luggage, and other services often offered by travel insurance, although a few of our credit cards provide such benefits. Also, for affordable outside travel insurance, there is a 180-day pre-existing clause that means no treatment was necessary during that period.

We cannot possibly cover all the costs and limitations for your travel insurance needs here. It’s imperative that you speak to your current insurance providers and potential travel providers about the best options for you. This isn’t necessarily complicated. A few phone calls and supporting documentation may be all you’ll need to put your mind at ease before committing to travel policy.

In months to come, we’ll work on this to find what works best for us before booking our plans for South Africa. Since plans and pricing often change based on market conditions, we will wait until a few months before traveling to firm up any potential travel plan.

Medicare’s Limitations for Travelers

Medicare generally doesn’t cover healthcare services outside the U.S. (with a few exceptions). This means that if you have an unexpected illness or accident while traveling abroad, you could be responsible for the entire cost of your medical care. Some Medicare Supplement Plans (Medigap) offer limited foreign travel emergency coverage, but this is often capped and may not cover non-emergencies.

Important Medicare Facts for Travelers:

  • Medicare Part A and B (Original Medicare): Coverage is mainly limited to the U.S. and its territories. Medicare might cover some emergency services in very limited cases, such as on a ship within six hours of a U.S. port or traveling between Alaska and the contiguous U.S. But routine or non-emergency care abroad isn’t covered.
  • Medicare Advantage Plans (Part C): Some Advantage plans may offer emergency care when traveling outside the U.S., but coverage and costs vary by plan. You’ll need to carefully check your plan’s details to know for sure.

Why Travel Insurance Can Be a Good Idea

Since Medicare doesn’t offer comprehensive international coverage, travel insurance can be a wise investment for peace of mind. Travel insurance can cover:

  • Emergency medical expenses: Coverage for accidents, illnesses, or other urgent health needs while abroad.
  • Medical evacuation: If you need to be transported back to the U.S. or a medical facility.
  • Trip cancellation/interruption: If you must cancel your trip due to health reasons or other emergencies.
  • Baggage loss or delay: Extra protection for lost or delayed luggage.

Many travel insurance plans offer tailored coverage for seniors or those on Medicare, so you can get the medical protection you need without worrying about hefty out-of-pocket expenses.

How to Choose the Right Travel Insurance with Medicare

  1. Check if Medigap or Medicare Advantage Plans offer travel coverage: If you already have some coverage, you might only need supplemental travel insurance to fill the gaps.
  2. Look for comprehensive medical coverage: Make sure your travel insurance offers high limits for emergency medical and evacuation expenses, as these can add up quickly.
  3. Compare plans: Travel insurance varies widely. Look at customer reviews, plan details, and coverage limits to ensure you’re getting the right fit for your needs.
  4. Consider pre-existing conditions: Some travel insurance policies include coverage for pre-existing conditions if you buy the plan soon after booking your trip.

With Medicare’s limitations, investing in a good travel insurance plan can give you the peace of mind that if something happens during your travels, you’ll be covered for medical costs and more.

As time passes and we begin checking our options in months to come, we’ll share what we’ve decided to do. But. each situation is different, and what we choose may not be suitable or necessary for you.

(And yes, the pies were delicious!)

Be well.

Photo from ten years ago today, October 4, 2014:

Gazebo at the park in Hilo, Big Island. For more photos, please click here.

Four pumpkin pies are in the oven…Happy to be baking…

Here were my eight less-than-perfect pumpkin pies, made on a 104F, 40C day, for a Thanksgiving dinner celebrated in the bush on November 17, 2018. It was impossible to roll the homemade dough in the heat and humidity. Thus, I called it a “Pie day from hell.” At the bottom right is a low-carb pumpkin pie made with an almond flour crust for Louise and Danie. Today’s four pies will look much better. See the post here.

This morning, I managed to walk down the corridor to the elevator bank and make my way to the front desk to pick up a package from Amazon. Then, after I returned to our room, I proceeded to make the four pumpkin pies for Tom, which are now being baked in the oven. This felt like quite an accomplishment.

I didn’t make the crust without a food processor. Instead, I bought the best-prepared crusts from Whole Foods. Hopefully, Tom will enjoy the pies. I’ll leave two pies out and freeze the other two for Tom to enjoy when he chooses. Cooked pumpkin pies freeze well but only for about one month.

We won’t be making a typical Thanksgiving dinner this year, which we haven’t done except when we’ve had guests over the years. Although having a vast array of delicious dishes would be enjoyable, we don’t have the appropriate serving dishes and kitchen utensils to prepare such a meal. Plus, it would be too much work for me now.

As soon as Tom’s pies are done, I’ll make my keto cheese pie, which I haven’t made since we were in South Africa in April 2023. Whenever I make this pie, I think of Louise and Danie, who love it. When it’s done, I take a photo and send it to them. Recently Louise wrote to me asking if I’d make the pie for them when we arrived. Of course, I’d be thrilled to do so!

Today’s four pumpkin pies we just took out of the oven. They look much better than the eight above pies, although they will taste the same.

Pumpkin pie has a long history, especially in the US.

Pumpkin pie, a classic dessert closely associated with autumn and Thanksgiving in the United States, has a rich history that spans centuries and continents. Its story begins long before the Pilgrims set foot on American soil, rooted in the traditions of Native Americans and European settlers.

Native American Origins

The indigenous peoples of North America were cultivating pumpkins and other squash for thousands of years before European settlers arrived. They used these hardy, versatile gourds for both food and practical purposes. Pumpkins were roasted, boiled, or mashed, but the idea of transforming pumpkin into a sweet dessert wouldn’t emerge until later.

Early European Influence

When European settlers arrived in North America in the 1600s, they brought with them a taste for meat pies and custards. However, they found pumpkins a valuable substitute for ingredients they were familiar with back in Europe. Instead of making the pies we think of today, early settlers would hollow out pumpkins, fill them with milk, honey, and spices, and bake them whole in the ashes of a fire. These early “pumpkin pies” were more like a pudding baked inside the shell of a pumpkin, and the use of sugar or spices varied depending on what was available.

The Birth of Modern Pumpkin Pie

The pumpkin pie we know today, with its flaky crust and spiced filling, began to take shape during the 17th and 18th centuries as colonial cooks combined Old World techniques with New World ingredients. The first recorded recipes resembling modern pumpkin pie appeared in English cookbooks. The 1670 cookbook The Gentlewoman’s Companion contains a recipe for “Pumpion Pye,” which involved layering pumpkin with apples, spices, and sugar in a pastry crust. By the late 18th century, recipes had spread throughout New England, where pumpkin pies became a regional specialty.

Pumpkin Pie and Thanksgiving

By the early 19th century, pumpkin pie had become strongly associated with the fall harvest and Thanksgiving. Sarah Josepha Hale, often credited with helping to establish Thanksgiving as a national holiday, popularized pumpkin pie in her 1827 novel Northwood, in which she described a Thanksgiving meal that featured the now-iconic dessert.

When Abraham Lincoln declared Thanksgiving a national holiday in 1863, pumpkin pie was firmly embedded in American culture. Its presence at Thanksgiving dinner cemented its status as an American tradition and has remained a beloved part of the holiday ever since.

Modern Day Popularity

Today, pumpkin pie is as popular as ever. Canned pumpkin, first introduced in the 1920s, made it easier and quicker to prepare, contributing to its widespread consumption. While many families still make their pies from scratch, the availability of ready-made pie crusts, pumpkin pie filling, and even pre-baked pies has kept the tradition alive in an era of convenience.

Though variations exist—some prefer to tweak the spices or add a touch of maple syrup—the core ingredients of pumpkin puree, sugar, and warming spices like cinnamon, ginger, and nutmeg remain constant. It symbolizes warmth, comfort, and togetherness, particularly during the colder months when families gather for the holidays.

From humble Native American beginnings to a dessert that graces millions of tables each year, pumpkin pie has become a cherished tradition that’s evolved with the times but remains a delicious celebration of fall’s bounty.

Be well.

Photo from ten years ago today, October 3, 2014:

Was this a houseboat, island, or floating property we spotted in Kona, Hawaii, ten years ago? For more photos, please click here.

Craving a special treat…

Hawaii never ceased to amaze us with its gorgeous flowers.

This morning, I awoke thinking of pies. Usually, I don’t spend much time thinking about pies. Still, after dreaming about cooking for a large dinner party and making pies for dessert, I put together a comprehensive grocery list from Whole Foods on the Amazon website while still lying in bed, switching back and forth between my favorite two pie recipes, neither of which I’ve made in a long time.

For Tom, seasonally relevant, I’ll be making pumpkin pies. Since I don’t have a food processor to make my usual Martha Stewart pie crust dough or a rolling pin for a suitable alternative, I purchased four ready-made pie crusts and enough ingredients to make four pies. The organic pie crusts, a unique brand from Whole Foods, should be good.

I’ll most likely make four pies from the ingredients for Tom’s pie, keeping one out for him to savor and freezing the rest, already baked and carefully wrapped in foil.

Also, I’ll make my favorite dessert, a low-carb cream cheese pie with a homemade almond flour crust. I’ll only make one of these since they don’t freeze well. Lately, going through all of this medical stuff, I’ve wanted to treat myself with this pie, which I’ll savor in small pieces over the next several days.

With no opportunity to dine out without a car, no willingness to pay the premium prices in nearby restaurants, and the cost of an Uber each way, we’re trying to enjoy a few treats based on how I’m feeling and motivated to bake. When I awoke this morning, although still feeling an irregular heart rhythm, I decided I needed to become more active instead of sitting and waiting to feel better. 

I’ve pampered myself long enough, and it’s time to get in motion. Yesterday, for the first time in weeks, I could do one corridor walk, albeit slowly and tentatively. Today, I will try for two walks, and in the days to come, I will gradually increase the pace and distance. Since we’ve been here for over a month, the most corridor walks I have been able to do have been five walks in one day. We’ll see how it goes.

Carefully monitoring my heart rate is crucial while I hope to regain stamina and strength. Cooking is a suitable means of getting used to standing on my feet for a few hours here and there. Plus, it’s comforting to have special meals, and in this case, desserts, which add to our enjoyment during this confined situation.

In the past few minutes, I completed one walk, about 500 steps. It wasn’t easy since my legs didn’t want to cooperate. The problem is more with my legs, which feel like lead, than my heart beating too fast. Plus, I am unsteady and stay close to a wall in case I tetter along the way. I refuse to believe I will need to use a wheelchair for the remainder of my life.

Walking around in the hotel room is relatively easy. It’s a short distance from room to room. The living room, dining area, and kitchen are one spacious room, and the bedroom and bathroom are separate. Every hour, I make a point of getting up and moving around to avoid sitting too long. It’s easy for hours to pass without getting up, which is ultimately bad for everyone’s health.

Hopefully, I’ll feel well enough to make the pies by tomorrow. We’ll see how it goes.

Be well.

Photo from ten years ago today, October 2, 2014:

Here we are at Liliuokalani Gardens in Hilo. Sam, our friendly taxi driver, took the photo. For more photos, please click here.

A long haul ahead of us…Happy October…

Flowers in Hawaii are breathtaking. This is an Anthurium. Wow!

We no longer bother with the complimentary breakfast in the hotel, offered each morning from 6:30 to 9:30. The mass-produced, greasy foods, fake scrambled eggs, and eggs boiled in vinegar are not to our liking. Since we’re currently having two meals a day, breakfast and dinner, it made sense to start making our breakfast, which consists of eggs and bacon for Tom and eggs topped with guacamole and Picante sauce for me.

Lately, feeling under the weather, I don’t get up until around 8:00 or 8:30, and once showered and dressed for the day, I make breakfast. Tom would happily do it, but I feel it’s crucial for me to continue preparing meals to keep me more active.

I cannot start walking the corridors again, and I have no idea when this will be possible. When we leave the hotel room, we’re still using the wheelchair. It will be quite a thrill to walk again eventually. But, for now, I accept this as my reality and strive to stay upbeat.

A few of our readers have written asking if the housekeeping issues have been resolved after my lengthy conversation with the general manager. It’s 25% better. They show up every other day but always fail to bring enough supplies we want to be refreshed for the next few days: four bath towels, two hand towels, two washcloths, two dish towels, two toilet paper, and four dishwasher soaps. It’s not that hard.

But they breeze in and out each time they come, leaving us short on half of these supplies. We have to ask them to add the correct items, let alone the proper amounts. They are supposed to make the bed every other day, but they do not. When we ask, they pretend not to understand.

Right now, more than ever, these simple requests are more important to us than in the past. After all, we’re paying premium prices for this hotel close to Cleveland Clinic. The shuttle guy is fantastic, always getting us to our appointments in plenty of time. On October 11, I have an appointment outside the clinic at a location associated with the clinic that is further away, and he will gladly take us there and to my remaining ten appointments over the next 4½ months. Whew!

Many of our readers have written over the past several days, insisting we keep them updated on what’s happening. I suppose I hesitated, fearing I was boring our readers with my constant health updates. Thank you for all of your support. Many of our readers have written about their health issues, for which we offer our love, support, and prayers for well-being.

I make a point of responding to each of these messages, acknowledging that none of us is exempt from experiencing frightening and worrisome health issues as we age and at any time in life. We’ve received many messages from readers as young as their 20s and 30s who also deal with heart issues, generally seen more frequently in the senior population.

Please don’t hesitate to write to us, even via email, about your health concerns. This enables us to return the kindness and consideration of providing support and a safe arena to share your concerns and worries. Of course, we aren’t medical professionals and cannot offer medical advice. But being able to offer an unbiased ear is something we all may need from time to time.

Tonight, we’re having Italian meatballs topped with Rao’s marinara sauce (which I spruce up with additional seasonings), fresh sliced portabella mushrooms, and mozzarella and parmesan cheese. I am having chicken meatballs, and Tom will have beef and pork meatballs. We’ll have a side salad, and Tom will have rice, which he always includes as a side dish.

That’s it for today, folks. And when we say, “Be well” at the end of each post, it’s done so from the bottom of our hearts.

Photo from ten years ago today, October 1, 2014:

Tom is thrilled to be in Hawaii. Me, too! For more photos, please click here.