Our last post for a week or more…

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Ironically, we arrived in South Africa one year ago today. It’s been a fantastic year, and we’re both grateful for the incredible experiences we’ve had in the bush. Now, let’s see if South Africa can deliver me good health!

 This will be the first time since March 2012 that we’ll have been incommunicado on this blog for a week or longer. However, we’re so looking forward to sharing the good news that my recovery process is in place and all is well after tomorrow’s triple coronary bypass surgery.

 Tom will be posting notices on Facebook that are open to the public, so feel free to check there if you’d like. It’s easy to find my name with a few clicks. 

As mentioned in yesterday’s post, we decided to leave Marloth Park to come to Nelspruit one day earlier than planned. The water and power outages weren’t something either of us felt like dealing with, especially in the hot weather.

As it turned out, the power was out all last night. That would have been one harrowing night. We are glad we left. We spent the night at the lovely Leaves Lodge and Spa, a few minutes from the hospital, giving us peace of mind for being so conveniently located.

Today, at noon, I’ll check into the hospital for the prep required for this type of surgery which includes x-rays (for placement of the heart), blood tests (as a baseline), and a litany of other pre-op procedures you can well imagine.

This morning we headed to a Vodacom store to purchase a SIM card for Tom’s phone. During this past year in South Africa, we never needed to call one another since we were always together, making the SIM in my phone sufficient. 

But, now, with him living at the hotel and me in the hospital, we’ll need to be able to phone and text one another, although he’ll be with me most of the time. Once I’m out of ICU, he’ll bring dinner some nights since I’m confident the hospital food won’t fit my way of eating. 

When I stayed overnight in the hospital last week after the angiogram, after not having a morsel of food all day, they brought me one chicken leg and a cup of plain spinach, not quite enough nourishment for this patient. We’ll see how that goes.

Now, the waiting game is on regarding the insurance company coming up with the money on time. With a two-hour time difference between here and the UK, they may only be getting into their offices now and, it takes a few hours to process the funds. I won’t be admitted in time for the noon pre-op until after the insurance provides the funds. We wait.

 And so, dear readers, I wrap this up now again, thanking all of you wonderful people for your thoughtful and kind well wishes and prayers. Please keep an eye out for a post in about seven days or, if I’m healing quickly, perhaps even sooner.

Photo from one year ago today, February 11, 2018:
Due to a poor wifi signal, I’m unable to add the year ago photo. Take care…

No water in Marloth Park…Electricity teetering…The insurance challenges…

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Due to problems with the electricity supply from the provider, Eskom, the water processing plant in Marloth Park cannot function. They are working on a solution, but it could be days. Also, we may lose electricity as well over the next few hours.

Today is a scorcher, well into the 37C (99F) range, with high humidity, and tonight could be another one of those impossible-to-sleep nights without any relief by taking a shower without the water supply. TIA (this is Africa). It’s the way it goes.

I won’t say, “thank goodness,” we’re leaving here tomorrow at 9:00 am for the hospital for triple bypass surgery. That’s not exactly how we feel. Fortunately, we were able to take quick showers this morning using some of the remaining water in the tank. Thank goodness that yesterday, I’d done all the laundry for items to bring to the hospital along with clothes for Tom for the week or more ahead.

As I was writing the above few paragraphs the power went out and came back on. About an hour later. Subsequently, with no water and most likely no power, we decided to spend the night in Nelspruit instead of heading out tomorrow morning.

Now, back at the lovely Leaves Lodge and Spa, who kindly provided us with a discount for the long-term stay, we have power, water, and good aircon. We’re set for the night. Tomorrow, we have to check into the hospital by noon to begin the prep for Tuesday’s surgery.

Somehow, I feel better being in Nelspruit three minutes from the hospital. Now that I know that three of the four main arteries to my heart are 100% blocked, there’s a smidgen more peace of mind until tomorrow. Plus, I’m on medication to prevent a heart attack and, I have an ample supply of nitroglycerin in case of an emergency. Wow! Who knew?

Now aware of my situation, it makes all the sense in the world to me. In the mornings, when I’d shower and dress for the day, I found myself feeling tired from these simple tasks. At times, merely walking to the laundry room with an armful of dirty laundry made every step feel as if it were a chore. 

When we had dinner parties, I found myself wondering how my energy would hold up with all the cooking, prep, and serving required for such an event. Now I know, and yes, I am grateful but a little terrified. This is a big surgery, and I’m not any stronger, braver, or tougher than the rest of us.

As for the insurance…on the day of the angiogram, at the cost of ZAR 80,000 (US $5871), the insurance company turned us down, claiming I had an undisclosed pre-existing condition which was not the case. 

At the time we applied for the insurance over six years ago, I provided our 20-year family physician’s contact information and copies of our medical records as requested, including the three prescription medications I was taking (Tom takes no medication), one of which is a low dose hypertensive mediation.

The rep at the Nelspruit Mediclinic worked very hard with the insurance company and the doctor to no avail. They wouldn’t approve the claim before the procedure. As per the hospital requirement, payment must be made in advance of treatment with or without insurance company approval. 

We paid out of pocket using our debit card since we wanted to avoid using regular credit cards.  We use credit cards to pay for all living expenses and future travel costs. We didn’t want to put such a hefty charge onto any of our cards.

Once we paid, we began the six-hour wait for our turn for the angiogram. When the doctor discovered the magnitude of the blockages, he knew he couldn’t do any stents. The only option was triple bypass surgery. 

I stayed in the hospital overnight, and in the morning before we left the hospital, we met with the wonderful billing rep Trudy to see how much the bypass surgery would cost and, ultimately, how much money we’d have to come up with.

The estimated cost for the surgery was ZAR 700,000 (US $51,370), including some but not all of the doctor’s fees. (We see how that rolls out).  With the rejection of the angiogram, we certainly didn’t think they considered this added cost, and again, we were declined.

Our only option was to liquidate assets immediately to ensure we’d have the funds in place by Tuesday morning. The financial institution has a three business day turnaround in releasing funds. 

We called and spoke to the rep and, for the first time in our lives, stated, “This is a life-threatening emergency. We need the funds to be available immediately.” By midnight Friday, the money was in our account. Meanwhile, Friday night, Kathy and Don had invited us to dinner at their lovely river view home in Marloth Park with friends Linda and Ken also in attendance. 

Before we left the house, I decided to call the insurance company one more time and write a letter I’d consider one of my better uses of the English language.

At this point, we were on pins and needles waiting for the money to come through in time, but we had a good evening together with our dear friends while they all fussed over me, more than I’d ever imagined possible. 

Toward the end of the evening, I checked my phone as I had several times, and there it was…the insurance company instructed me to log into our account to find a letter waiting for us…they approved the bypass surgery! They included a claim form for which we could file for reimbursement for the angiogram.

Sharing this news with our friends as we sat around a bonfire in their garden only added to our sense of relief. Last night, the six of us went to Jabula Lodge and Restaurant for dinner, and once again, it was a celebratory occasion in support of my upcoming surgery on Tuesday. 

They presented me with gifts, hugs, and kisses, as did Dawn and Leon, owners of our favorite restaurant, who provided a bottle of champagne and Amarula shots. I enjoyed a glass of champagne while the others tossed down the sweet shot.

Again, this morning before we headed to Nelspruit, Kathy, Don, Linda, and Ken stopped by to offer more support and love. How did I ever get so lucky? Coupled with Tom’s love and attention and zillions of comments and email messages from our readers, family members, and friends, I couldn’t feel more loved.

May these warm wishes and prayers result in a positive outcome, and I will be the happiest and most grateful person on the planet. The pain and discomfort afterward will pale in comparison to my joy.

Thank you, everyone… thank you with all of my heart!

Photo from one year ago today, February 10, 2018:

After all the whale watching trips we’d done on tours these past years, to see plenty in Antarctica was a dream come true finally. For more photos, please click here.

Checking and rechecking…Errors are to be expected from governmental agencies…Waiving Part B Medicare…

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New sprouts on a coffee bean plant.

“Sightings from the Veranda in Costa Rica”

Although this Flame Tree appears to sprout bananas, these yellow pods are the flower before blooming. It’s a favorite spot for birds that stop for a visit, including another variety of the popular Flycatcher.

Three weeks ago, Tom contacted the Railroad Retirement Board (opposed to Social Security or Medicare) as required for retired railway workers. The intent was to inform them of his intention to waive Part B Medicare which would automatically kick in on his upcoming 65th birthday on December 23rd.

If he didn’t do this, there would be a deduction from his pension on the first of every month in the amount of US $109 (CRC 62,113), which may vary based on certain circumstances. But, unfortunately, Medicare doesn’t provide us with any benefits outside of the US (with a few rare exceptions).

Nor do we purchase the additional “supplemental” insurance to cover that which Medicare doesn’t cover. Please keep in mind. This is a generalization. Individual cases may vary. Please contact Medicare via this link if you have questions.

I was driving along a mountain road.

Many tourists can purchase “trip insurance” when they travel. However, this type of insurance is not available to us on an annualized basis since we don’t go on “trips” per se but are continually moving from one location to another outside of the US.

We’ve spoken to other long-term travelers who’ve stated they have purchased trip-by-trip “trip insurance” to receive the benefits of the more comprehensive coverage than we have on our “major medical” annual policy. For us, this would be an outright fabrication. But, this requires informing the insurance company that we are taking individual trips instead of living outside the US.

The problem with doing this is, if they discover a traveler has been traveling non-stop, they could refuse to pay a considerable claim, leaving the traveler with a monstrous bill to pay out of pocket. So we chose not to “lie” to the insurance company or run this type of risk.

In Costa Rica, many homes are located beyond entrance gates.

Instead, we have less coverage that doesn’t pay for doctor visits, prescriptions, or vision care. In most countries, we’ve found doctor visits usually run under US $100 (CRC 56,985), if not less. This works for us. 

If we needed to visit an emergency room or stay in a hospital, have surgery or treatment, our policy covers 100% of the cost. To date, thank God, we’ve never filed a claim, although we’re well aware it’s entirely possible at some point in the future. 

Our policy provides no coverage while we’re in the US, which leaves us with only Medicare Part A, which covers only a portion of a hospital or emergency visit. However, we choose to take that risk when visiting family rather than pay thousands of dollars per year for coverage in the US we cannot use in other countries. I hope this all makes sense to our readers. 

Arriving at the end of a paved road, we turned around and retraced our tracks.

In any case, we called and asked Railroad Retirement to send us the appropriate form to waive Part B. This is a government agency. They were unable to email us the single-page form. Instead, they stated the only way to receive the blank form was to receive it via snail mail. Go figure.

So, three weeks ago, when our mailing service in Nevada received the snail mail from Railroad Retirement, they scanned it and sent it to us via our file in their system. We printed it on the villa’s printer, and Tom promptly signed it. At that point, we used our portable scanner and sent it back to the mailing service via email. Within 24 hours, the mail service had snail-mailed the signed form to Railroad Retirement. Thus, the envelope would take one or two days to arrive from Nevada to California.

Yesterday, three weeks after the snail mail was sent, we called to see if the waiver was processed with our usual mistrust of any governmental agency and certain other types of businesses. Alas, not surprisingly, they had no record of it. 

With no shoulders on most roads, we’ve had to search for a spot like this when attempting to turn around.

A similar scenario occurred when Tom applied online to renew his Nevada driver’s license. All the documents we’d sent never showed in their email. We’d forwarded them a copy of the email we’d sent with all the records, and still, they explained it was never seen and subsequently never processed. Go figure. Eventually, the second batch of documents resulted in Tom receiving the renewal.

Yesterday, we contacted our mailing service asking them to fax the document to Railroad Retirement, at an expense to us, since Railroad Retirement would allow a fax in this particular case instead of waiting for “another” snail mail. Later in the day, the mailing service notified us to say the fax was sent, and they received a confirmation stating it was received.

On Monday, we’ll call Railroad Retirement again to confirm it’s done. But, of course, one can’t ever be sure without confirmation. Over the past five years of world travel, I can’t possibly describe all of the scenarios when errors have been made in handling our “business-related” transactions. 

This fast-growing tree on the coffee plantation shot up this tall in only a few years.  Variety unknown.

Antiquated systems and incompetency are often the cause of such extra work we experience in handling everything from afar. When one dreams of traveling the world for years to come, it’s always essential to consider handling transactions of any type.

Whether we find PayPal is blocked in a particular country, have forms to be signed for financial matters, or are required to change passwords periodically. In addition, on certain accounts, they require we have a text number to send us a code. 

We don’t have a cell phone contract with access to a US phone number that allows texts other than through Skype or Facebook Messenger for these purposes. Businesses don’t use these mediums for communication. We often have to figure out a frustrating, time-consuming workaround.

Mountains are prevalent in most areas of Costa Rica.

In years to come, this may be easier, but for now, as we continue on our otherwise blissful journey, we remind ourselves we chose this lifestyle, and with it comes several challenges. 

Once such a cumbersome task is re-done or completed, we sit back and smile for a second time, grateful we figured out a solution and get back to swimming in the pool or searching for photo ops.

Happy day!

Photo from one year ago today, October 20, 2016:

In Bali, the view changed dramatically as the tide rolled in.  For more photos, please click here.

What are the benefits of our international health insurance?…

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On a cloudy day, beachgoers still took advantage of local beaches.

We’ve written about international health insurance in past posts. As we acquire more worldwide readers including an increased number of ex-pats and baby boomers retiring and deciding to travel long term, we felt it was time to review this once again, especially in light of yesterday’s annual premium payment.

We paid NZ $5855, US $3745 for the upcoming 12 month period. This insurance doesn’t cover us while in the US. I’m not quite certain, why not, but with little time spent in the US during these past 40 months, with only a few months to be spent in the US upcoming in the summer of 2017, we aren’t worried about it at this juncture.

We drove to Wairau stream to check out the scenery.

Tom will continue to be covered by the health insurance from his prior work until he turns 65 in December 2017. In the interim, we’ve both been covered by this annual ex-pat policy with Healthcare International.

What happened to Medicare for me when I turned 65 almost three years ago? Every US citizen is entitled to Plan A which covers hospitalization in part. See here for details.

Why didn’t we just go with Part A for me?  Simple answer: It doesn’t provide coverage outside the US in most instances. Plus, monthly payment for Plan B is required at NZ $158, US $105.  See here for details. 

Most beaches in this area are rocky, but this popular location is preferred by many surfers and sunbathers.

As a result of this monthly expense, useless in our case, while traveling the world long term, we opted out of Part B by signing a waiver document explaining why we weren’t willing to pay. There are penalties for opting out which will result in a higher premium should we decide to activate it at some point. There again, we aren’t concerned about penalties at this point.

Plus, most Medicare recipients add a “supplemental policy” to cover some deductibles and ancillary costs, here again, an unnecessary expense for us considering none of these would apply to our out-of-the US needs. Had we included these, we’d have been paying as much “out of pocket” annually as we’re currently paying for our annual policy with Healthcare International.

Surfing and kayaking are popular in both New Zealand and Australia.

These drastic measures would not make any sense for those living in the US or US territories where Medicare would pay. Such action is only beneficial for those with very good health who don’t visit doctors frequently, take a lot of medication, and often have medical tests and treatments, since none of these are covered by our current policy.

If we visit a doctor, regardless of the reason, we pay out of pocket as we do for my few prescriptions. Such payments have proven to be approximately 25% of the cost for the same services in the US in most countries as we experienced in our 2015 medical exams and tests in Australia.

This is a first for us, spotting a tractor hauling a boat along the beach.

Our situation is unique and does not apply to most travelers nor to most Medicare recipients in the US. Even those US citizens embarking on a one-year trip outside the US are best to keep their existing insurance (including Medicare Part B and supplement) in place, adding emergency travel insurance as an adjunct.

Our policy with Healthcare International includes coverage for both of us for hospitalization with NZ $3014, US $2000 deductible per hospital stay, emergency evacuation, and bereavement expenses for travel in the event of death of an immediate family member only (sibling, child, parent) covering up to NZ $7536, US $5000 in travel expenses. 

We were intrigued by the stone roof on this oceanfront home.

This benefit is only available for those who are the physical relative of the deceased family member.  In other words, if one of Tom’s family members passes away, the benefit would cover his costs to return to the US, not mine, and so on.

Our decision to choose this type of policy was wrought with considerable research and consideration over an extended period. Each year we’ve researched other options but, to date, this plan makes the most sense for our needs and appears to be the most cost-effective.

  Many homes in New Zealand have metal roofs helping maintain warmth in the cooler winter season reducing heating costs. For the warmer sunny days, as we’ve experienced, it gets hot indoors requiring the opening of screen-less doors and windows.

Of course, when we soon file our taxes for 2015, we must provide “proof of insurance” to avoid paying penalties to the US government. I have a copy in our tax prep file which we’ll soon forward to our accountant along with other pertinent documents.

This can be confusing. Finally, we feel we have a handle on it although it took time to decipher the various options.  If any of our readers have questions, most of the links we’ve provided here will assist you. If you have questions we can answer please post a comment at the bottom of this post and we’ll be happy to answer to the best of our ability and/or provide you with resources to aid in your decision.

Energy efficiency is exercised by most residents in New Zealand from what we’ve seen thus far.

We realize this topic is dry and relatively boring especially for those who aren’t living outside the US for the long term.  For those in other countries, we can only suggest you contact your home insurance, your government-provided insurance, and Healthcare International or another such company. Most likely they’ll be able to assist you based on benefits you may currently have available.

We’re staying in today watching the political caucuses in New Hampshire, USA which is on TV during the day here based on the time difference, although it’s Wednesday here in lovely New Zealand.

Have a great day!

Photo from one year ago today, February 10, 2015:

One year ago, this albatross is sitting on an egg. Both the male and female sit on the nest, the other heading out to sea for food. For more details and map of our location while in Kauai, please click here.

Paying for health insurance from abroad…Signing documents online?…A credit card compromised again!

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View from our area.

I love technology. Without it, our lives would be much more complicated. As an example, our health insurance policy’s annual single premium is due on March 1, 2016, and we’re able to sign online and provide credit card information as securely as possible. The ability to sign online has been available for approximately the past 10 years but many have never used it and are hesitant to do so. Today’s post may ease your mind.

Preferring to pay the insurance bill a bit early, this morning I worked on sending the payment. A few days ago we destroyed the credit card that Healthcare International had on file for us when we received a notice that charges were made on the card in Texas, USA.

Country view.

We’d hardly purchased fuel and spent NZ $281, US $186 at a Walmart store in Houston, Texas. Every few days, I check all of our credit cards online to ensure everything is accurate without any suspicious charges.

As it turned out, on a day I hadn’t checked, I received an email from the credit card company inquiring as to suspicious charges on the card. Their files indicate we’re in New Zealand at this time and it was unlikely we’d flown to Houston overnight to shop at Walmart.

We keep “travel notifications” updated for each of the credit cards we use, requiring updating every 60 days. To remind me to do so, I have it marked on my online calendar with a pop-up reminder. When we first began traveling, we were annoyed with having to log the travel notifications on the credit card company’s online site for every country we’ll be visiting over the next 60 days. 

View of downtown New Plymouth.

Now, with our third incident of fraud in the past 40 months, we understand the benefit and necessity of updating these notifications. Also, updating the travel notification prevents a “decline” at the register when the card’s system doesn’t recognize the current location for which the charges are attempted.

In each case, a new card has been sent to us wherever we may be at the time. The credit card company pays the fees to mail it. Since we don’t need the card quickly with other cards we can use in the interim, we don’t incur any overnight shipping fees. 

Credit card companies may charge when a new card is shipped overnight internationally.Thus, we didn’t request an overnight shipment when the fees can easily top NZ $151, US $100. The new card will arrive here at the farm in NZ within three weeks.

Trees along the rocky shore in the town.

When a credit card is compromised, in some cases the credit card company will pick up the fraud when most theft systems charge $1 as a test to see if the card will work. Once that works, the process of making additional illegal charges begins which may result in thousands of dollars in charges.

It’s imperative for the customer to check their charges on a regular basis and report any suspicious charges immediately and report them promptly. If the charges are made in your home country while you’re residing in your home country, these charges are all the more difficult for the credit card company to catch. You may be using the card while on a local weekend away.

For those outside their home country, this is all the more likely to occur when devices are set up at fuel stations, restaurants, shops, and other establishments where one uses a card. 

Lava rock along the shoreline.

Note:  You will not be charged for any of the unauthorized (illegal) charges providing that you notify the company in a timely manner. Waiting months to do so could result in the customer’s responsibility for the charges.

The new “computer chips” offer no protection in avoiding theft. In each case we’ve experienced theft, we always had the card in our possession. Often, it isn’t the physical card that is compromised, only the number

The rocky beach in New Plymouth.

Now, on to our annual health insurance bill…Each year, when the annual premium is due,  Healthcare International (in the UK) has used the credit card on file to pay our bill. 

I’d contacted them by email asking for the last four digits on the card they had on file to pay our premium.  When the email arrived this morning with the information, I realized it was the “stolen” card that had been canceled a few days ago.

Sugarloaf in downtown New Plymouth.

It’s important to avoid sending a credit card number, social security number, or any other pertinent ID information via email without special security measures in place. Email isn’t secure as much as one may assume. Scammers have equipment breezing through email worldwide attempting to “pick up” such information for illegal purposes. 

Luckily modern technology has provided for secure options but only when certain the message you’ve received is valid from the source you requested. This can be tricky. If uncertain, contact the company on an approved phone number and provide the information in that manner.

Mount Taranaki after more snow on a cool day.

Our bill for the upcoming year including air ambulance, major medical, and other benefits is NZ $5855, US $3745. Luckily, this year, Healthcare International provided an app via Adobe ID to securely assist in entering a new credit card number and to be able to accept an online signature. 

Familiar with this app which we’ve used in the past when an online signature is required, I was comfortable using it again to send via a secure link the app easily provided to be sent by email to Healthcare International.

Yesterday, we posted a photo with eight baby alpacas. This morning, we took this photo with nine babies, although there appears to be eight. Can you find the ninth?

It seems as if I’m contradicting myself by sending this information by email. However, Adobe ID is as secure as any other “secure” site but, let’s face it, any website can be compromised and data were stolen. I completed the necessary information and forwarded it to Healthcare International via a “secure” email through their account with Adobe.

The reason I bring up credit card fraud and this insurance bill together is simple. Paying this amount of money using a credit card is safe for the consumer if any fraud is reported promptly. We were not responsible for any portion of the illegal charges on our credit card, nor would we be for future such charges. This gives us peace of mind.

A moment later a head plopped down on a playmate.

Having one’s identity stolen is another entirely different matter which we won’t get into here today.

Tomorrow, we’ll share the benefits of the policy along with any of the negative aspects of buying health insurance while traveling for extended periods when one doesn’t have other health insurance or has limited coverage outside their home country, as is in our case.

Happy day!

Photo from one year ago today, February 9, 2015:

The residents of Hawaiian are very proud of their love and preservation of wildlife and their land.  For more photos, please click here.

How much did we spend out of pocket for all the medical?…Haircut problems for Tom…Figuring it all out, one way or another…

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Its amazing how quickly it grows.

Yesterday morning, we both had final appointments with Dr. Konny at Apple Tree Medical in the town of Smithfield near the shopping center. Tom had his physical and according to what Dr. Konny could determine, he’s in excellent health.

He had his blood tests which will arrive by email in a few days. Once those have arrived, we’re done with the doctor. After Tom’s appointment, he headed to the lab located in the medical clinic while she and I reviewed my newly arrive test results.

Much to our delight, all is well. I have a clean bill of health. I must admit now that it’s over that the pain I had in Kauai was not a bladder infection after all. After we arrived here in Australia it started up again. It just wasn’t symptomatic as a bladder infection. 

The justcuts store is located only a few doors from the pharmacy, making it easy to find.

Over a week ago I had a CAT scan in Cairns as the pain had continued for days. We never mentioned the CAT scan here when we felt we should wait until we had results. I was upset about having to have the scan not wanting to pay thousands of dollars for the expensive diagnostic test.

We almost fell over when we paid the bill after the test was completed. It was AUD $365, US $269. As a matter of fact, Dr. Natasha had called four different diagnostic centers while I was with her to find us the best price. I don’t ever recall our doctor making phone calls for “deals” for us! The difference in pricing at various clinics was as much as AUD $1000, USD $738. We couldn’t express enough gratitude!

Keeping in mind we have no insurance to cover this when our insurance only covers hospitalization (hospital stays, surgery, and inpatient services) this was the full price, not a co-pay. I can only imagine the out of pocket cost we’d have incurred for such a service in many other countries.

Tom was reading a book on his phone while awaiting his turn.

Waiting for the results was angst-ridden. I was more worried about how we’d manage if I needed surgery or had a dreaded disease while on the move. One can do a number on oneself imagining the difficulty in these circumstances. But, we both held firm to a relatively positive attitude, and the days passed quickly until we knew the results.

As a result of a surgery over 20 years ago, I had adhesions in the left groin area (guys, figure that out on your own. Girls get it!) and a possible bit of diverticulitis. The pain from this can come and go and for now, it’s at bay once again. Reducing fiber intake seems to reduce all the pain. So for now, I’m on a low fiber, low carb, grain-free, starch-free, sugar-free, chemical-free diet. Good grief. 

Knowing it’s nothing more serious and not impeding upon any internal organs, it’s not worrisome. Occasional discomfort, I can manage. Worrying is eliminated. What a relief! As for the additional food restrictions, it’s no problem for me. Currently, I’m having low fiber veggies such as mushrooms, onions, leaf lettuce (no more cabbage), and a few others.

Tom’s former haircut gone wild.

As for all the other tests including tests for colon cancer, everything is negative. Now we wait for Tom’s results and we’re home free (literally and figuratively). Later in the week, when we grocery shop we’ll make our dentist appointments with a dentist located by the mall with a beautiful office and modern technology for teeth cleaning.

In the interim, Dr. Konny wrote my prescriptions for six months (all the law in Australia allows) for the few prescriptions I’ve taken for years, having recently eliminated one more due to good health. After the doctor appointments, we dropped off the prescriptions which will be ready by Thursday. With these, I’ll have enough on hand to last for the next 16 months. 

After three doctor appointments for me, one for Tom, multiple blood tests, and the CAT scan we spent a total of USD $$1075, AUD $1458. All that remains is is the cost for the three, six-month prescriptions which surely won’t be over US $200, AUD $271.26. Unreal. In the US, we’d have spent thousands for all of these out of pocket services. Once Tom’s results come in, we’ll report here, anticipating all will be good.

In no time at all, he was done. I particularly watched how Byron cut along the ears and back with which I’d had trouble. I can’t wait to try it again.

We were very happy with the level of medical care and service at Apple Tree Medical. If traveling to this area, one can rest assured they’d be in good hands with this clinic and with these fine doctors, including Drs. Natasha and Dr. Konny.

After the doctor’s office, the stop at the pharmacy, and Tom purchasing a battery for his watch which was a bit pricey at AUD $19.95, USD $14.71, we headed to JustCuts for Tom’s much-needed haircut. Why wasn’t I cutting his hair with our recently purchased hair clippers with the zillion attachments?

Simple answer. When we plugged it into our electrical adapter the noise was earsplitting and it quickly became overheated, approaching burnout. Apparently, these clippers won’t work in some countries but certainly not in Australia. My US purchased flat iron which uses more powers works without a problem. I offered to give him a scissors cut but he refused.

The bottom edge at the back had been tricky for me.  Now, I know how to do it.

The male pharmacist suggested we try his favorite haircutters, JustCuts, located a few doors from the pharmacy in the mall. Walking into the clean, modern, well-equipped hair cutting establishment made us feel we were in good hands. The stylist, Byron, a local guy did a fabulous job giving me tips for when I am able to cut Tom’s hair again. 

After a perfect cut along with an affordable price of US $14.71, AUD $23 we were thrilled. Hopefully, in Fiji, the hair clippers will work. If not, we’ll have to find a new haircutter before we head back to Sydney in January to board the cruise to New Zealand.

After all of our stops after the doctor’s visit including a trip into the grocery store for a few items, we were on our way, out to breakfast. Unfortunately, breakfast was over at the few restaurants we visited and it was too early for lunch.  With rain pelting down and preferring to avoid walking on the beach in the rain, we decided to head back home and go out to eat another day.

When we returned home, I collected all of our medical information and scanned every medical report saving it on our hard drive and the cloud we use, OneDrive, for which we pay a small monthly fee. We have almost one terabyte of data to save in a cloud and thus it requires a small fee for this amount of storage. We use the portable hard drive and the cloud for safekeeping in case our hard drive is ever stolen although I keep it in my possession at all times when we travel. 

Byron was a friendly and competent stylist suggesting a number of areas we plan to visit in the near future.

Tom’s test results will arrive by email by Friday. If all is well, he’ll have no further need to return to the doctor.  Once we receive them, they too will be stored on the hard drive and cloud. 

We’d received a DVD of my CAT scan which we plan to store at our box at the mailing service, along with accumulated receipts and our expired second passports which we no longer need but that I’d like to save as keepsakes. We’ll put together a small package of these items and send them to Nevada before we leave in September. More later on why we no longer need second passports but did when we originally began to travel in 2012.

That’s all the news for today, folks. Thanks for traveling along with us. We hope you enjoy reading the costs we bear along the way. We post them with the intent of informing travelers as to possible costs they may incur in their travels. If any of our readers have specific questions about any travel-related expenses we may not have included, please comment or send an email and we’ll happily respond.

Have a wonderful day!

                                        Photo from one year ago today, July 21, 2014:

A natural rock formation we discovered on a drive in Madeira. For more photos of that day’s road trip, please click here.

Healthcare while traveling the world…What type of insurance pays abroad?…Check out the precious photo from one year ago!…

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A Cattle Egret we spotted while driving.

It’s been a long time since we’ve written about our health insurance, a relatively boring topic as far as I’m concerned. Nonetheless, it’s a topic we must address at least once a year.

A drove along a beach road at low tide.

People we meet often ask about the type of health insurance we have and how it works when we’re traveling the world. Three years ago when we began to plan our travels, we asked these very same questions:

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 doctors visits covered? NO FOR EITHER OF US.

Many sunbathers are out on cloudy days.

I’m reminded of these questions this morning when I called the UK from which our travel insurance generates (calling at only $.023 a minute on Skype) to give them a new credit card number (an old card number was stolen and since replaced while we were on the Big Island) instructing them to go ahead and charge the annual US $3462 due at the end of this month for the policy that covers both of us.

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.

When I turned 65 in February 2013, I qualified for Medicare and now have a Medicare card for Part A which only covers a portion of major medical. Since Medicare doesn’t pay while outside the US, I waived Part B (via a document to the US govt.) and also the purchase of a supplement. Why pay $250 a month (for Part B and a supplement) for insurance we can’t use while we’re traveling? 

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 has 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.

In actuality, Tom is double insured for major medical when he joined me in the policy for the emergency evacuation and family member death features which includes major medical (hospital stays). 

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.

Of course, the policy with Healthcare International covers 100% of any hospital stays including surgeries and other procedures if necessary. In other words, as referred to in the US, we have “major medical” coverage, all we feel we need at this time. 

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.

Tom no longer takes any prescriptions and I take only a few which I purchase online from BBB approved ProgressiveRX buying one year’s worth at a time, paying out of our pocket without the use of any insurance. The total annual cost for these three meds is under US $500, less than we previously paid for co-pays for these same drugs. Go figure.

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.

It’s always easy to find a beach at the end of any road heading in any direction.

This can be a complicated topic. For us, we like to keep it simple, like everything else in our lives when possible.  In all probability, we may be traveling for the remainder of our lives. Should we settle somewhere if health requires, we’ll address the issue at the time. In the interim, while continually on the move, we’re comfortable and at ease with our current solutions.

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!

                                            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.

Health concerns for travelers of any age…Questions and answers applicable to all…

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Sunday’s sunset from Jeri and Hans’ third-floor veranda, the last rain-free day.

The following comments are not intended in any manner to substitute for professional medical advice. This post is entirely based on our personal travel experiences regarding preparedness in the event of medical issues or emergencies.  Please seek the care of your medical professionals in regard to your personal healthcare.

Coupling our interest in health and well being with our worldwide travels has been important to us. Many seniors and younger travelers alike choose to address health concerns before traveling. Many others “wing it” hoping for the best, in many cases a poor decision or, simply a lack of a decision at all.

Checking online over the past almost two years, we have discovered a wealth of resources available that may be of assistance, too many to list here.

We’ve found that researching credible medical sites are crucial, not simply the opinions of a few travelers with a good or bad experience, often seeking a place to vent frustrations and unfortunate experiences.

Some of the questions we had and the answers we’ve discovered that have worked for us, that we’d asked ourselves when planning our world travels include and on an ongoing basis:

  • Will we get intestinal distress from eating uncooked fruits and vegetables? If so, how does one reduce that risk? Yes, illness is often a result of produce eaten raw. This risk does exist when non-purified water is used to rinse produce, which is then eaten raw, such as lettuce, celery, and fruit. Usually, cooking vegetables destroy most of the bacteria. We rinse all of our produce in a bowl of purified water, replacing the water as needed. Always remain mindful of cross-contamination of washed and unwashed produce. We washed all of our produce immediately before placing it in the refrigerator.  This may reduce shelf life, but our “shelf life” is more important.
  • Is it safe to drink the water? Before we arrive at each location we research to determine if the water is safe to drink.If not, we arrange for the property owner to have a several-day supply of purified water awaiting us to ensure we have ample time to get to a grocery store.
  • What about brushing our teeth? This is often a cause of illness. We keep small bottles of purified water in the bathroom for wetting the brush, rinsing our mouths after brushing and rinsing our toothbrushes. Daily, we brush with baking soda and then do a full 20-minute coconut oil gargle which kills bacteria in the mouth, spitting it out when done. Once a week we disinfect our toothbrushes (and my contact lens case) in hot boiled purified water.
  • What happens if get water into our mouths while taking a shower? Immediately, spit it out and promptly rinse the mouth with mouthwash, and brush our teeth following the above process using purified bottled water.
  • Can water be boiled to become safe to use? We don’t recommend this process. Considerable bacteria may remain if the water is not boiled long enough, 15 to 20 minutes, or more. This would only be done in the case of a dire emergency.
  • What about washing dishes?  Ideally, we could use purified water to wash dishes.  Unfortunately, the cost of bottled water is prohibitive and if done properly this isn’t necessary. Wash and rinse dishes, pans, and flatware in the hottest cleanest soapy water your hands can take. Drain on a clean cloth. Wipe dishes dry with another clean towel and leave out, not stacked, to further dry on the clean counter to ensure that no water molecules remain.  Wash your hand before handling dishes which we each do so often it’s ridiculous.
  • Do we need to take malaria pills or other prophylactic medications while traveling? Taking pills for the prevention of malaria depends on the location of your travels. Check with your local travel clinic for detailed maps and information for every country in the world. Other prophylactic medication? For us, we take a Bifidus Probiotic  (30 billion CFU minimum) supplement daily to keep the balance of good bacteria in the gut.  These may be purchased online or at any quality health store.  Research for a quality brand, most of which require refrigeration for freshness.  We have been taking multiple individual supplements for years.
  • What do we do if our luggage is lost or stolen containing all of our daily medications? Do we need to bring along copies of our current prescriptions, written letter explaining the use of medical syringes, if applicable, etc.? Yes! Yes! Yes! We have copies of all of our prescriptions and a doctor’s letter listing all of the supplements we use. Even so, we had trouble boarding a Carnival Ship in Belize (see the posts of April 9th and 10th, 2013 for details of our ordeal).  Also, we carry several Epipen syringes, in the event, we have an allergic reaction (anaphylaxis) to stings from insects or other substances, including a doctor’s letter of authorization.
  • Will our insurance pay if we become ill?  Do we need to purchase emergency evacuation insurance?  Is it costly? Every policy is different.  Check with your policy benefit well in advance of travel to determine what will or won’t be paid. Generally, Medicare usually doesn’t pay outside the US, but check on your supplemental policy’s terms and conditions.  Emergency Evacuation insurance is a must if you’re traveling outside your home country unless your regular policy provides this coverage. Check for specific details well in advance of travel.  On its own, emergency evacuation insurance usually is US $200 to US $300 per person for a two-week vacation. Keep in mind, that “travel insurance” and “emergency evacuation insurance may be entirely different from one another; one if in case of cancellation on non-refundable fares, etc. and, the other is for medical purposes. A few policies have both features combined. Check carefully for details.
  • Do we need vaccinations to travel abroad?  Again, check with your local travel clinic, a highly valuable resource when planning a trip abroad.  Countries in Africa may require proof of vaccination for Yellow Fever and other communicable diseases.  We keep a copy of our entire vaccination record (we had around 18 separate vaccinations) on the inside flap of our passport holders. We haven’t been asked to produce these records yet , but entry into a country can be refused if not provided.
  • How much in advance must we plan for the vaccinations? We both began the vaccination process 6 months in advance of our departure from Minnesota.  Many vaccines require waiting periods between boosters.  Many vaccines may be given at one appointment, which is not detrimental to their efficacy.  The question becomes…how will you tolerate multiple vaccines in one appointment? If dubious, space them out as I did with no side effects.  Many vaccines such as Yellow Fever don’t require a booster for 10 years.
  • Did our insurance cover the cost of the vaccinations?  At the time we had the vaccines, both of us were covered under Tom’s policy from work which much to our surprise, paid 100% of the cost.  With the number of vaccines we chose to receive, the total cost would have been over $1500 each.  If you have Medicare or under the new guidelines, this may not be covered. Please check with your company to determine what, if any is now covered.
  • Will the tours and excursions in which we plan to partake fit within the confines of our current physical conditions and limitations?  Most tour operators specific the “difficulty level” of each of their tours and excursions.  However, these are often minimized, leaving participants gasping for air and exhausted or perhaps at severe risk.  Read reviews and comments online at travel websites such as Cruise Critic and Trip Advisor.  These comments are often a better resource of “factual” information as opposed to the sales orientated tour companies and cruise lines.
  • Did we bring along extra prescription eyeglasses, contact lenses, and supplies, (and hearing aid batteries, if applicable).  What if we lose any of these?  How do we plan to replace them?  We both have our optical prescriptions with us, even if they expire.  In the event of a loss, most prescription eyewear and contacts can be replaced locally or through the mail.  Tom has three pairs of backup prescription eyeglasses and sunglasses. I brought along 24 boxes (6 packs) of contact lenses enough to last three years. I do purchase lens solution at a local pharmacy due to the added weight of the bottles which may be difficult to find in some locations (Belize and Italy).
  • If we use any particular medical supplies, what happens if they’re lost or quit working? Although Tom nor I use any particular devices, we suggest bringing a backup in the event of loss or failure.  We do have a thermometer, small blood pressure cuff, emergency suture kit, and emergency dental supplies (dental glue) in the event a crown or filling falls out or dislodges.
  • What over the counter medications did we include? We packed Aleve, Tylenol, Tylenol PM, aspirin, Milk of Magnesia and Benadryl, cortisone cream, antihistamine cream, antibacterial cream, and hydrogen peroxide.
  • What first aid supplies did we bring? Besides the above comments above, we have Bandaids, bandages, sterile gauze pads, sterile gauze wrap, ace bandage, liquid bandage, and Lidocaine patches.
  • Immediately upon arrival,l in a new location, what precautions do we take in the event we become ill or injured? Upon arrival at our new home, we ask the owner/landlord or property manager the location/phone of the best local hospital, medical clinic, physicians, and dentists in the event of any emergency. For example, here in Kenya, we have the phone number of a physician who will make a house call in the event of a non-life-threatening emergency.  Otherwise, there is a hospital within 10 minutes on the main road.

Yes, I know, this stuff is difficult to address. And for many of you who seldom travel it may be boring. But, for those who travel even short distances on a day-long road trip, being away from one’s home base can present challenging health concerns.

Years ago, I was meeting up with a bunch of girlfriends in Mexico for pre-arranged dinner plans. When they hadn’t arrived after a two-hour wait, I tried calling to no response. A day later, I received a call from one of the other friends in the group informing me that the friend had fallen into a hole under a “grate” on the sidewalk resulting in a serious compound fracture of the leg.

The only way to receive quality medical care was to return her to the US immediately.  With her not having emergency evacuation insurance and the requirement of payment in full in advance of the flight with the air ambulance service, the friend had no alternative but to ask family members for their credit card numbers to cover the then cost of US $25,000 when her own card had a US $5000 limit. Can you imagine the stress of returning home facing your own credit card bill, but also that of the cards of family members? That airfare was 30 years ago. Can you imagine how much it would be in this day and age?

This scenario remained stuck in my mind for 2 reasons; one, don’t walk on grates, wooden boards, or any potentially unstable surfaces on roads and sidewalks (in any location). Of course, Tom has adopted this practice also, as we’ve always alerted one another to possible hazards.  And, the second reason, always have an emergency evacuation policy in effect when traveling outside your home country.

Last night, we ventured out to dinner during a massive rainstorm that had started on Monday continuing all the way through today, Wednesday.  As is typical in Diani Beach restaurants, the walk from the taxi drop off area to the restaurant is long and treacherous with uneven steps, many often twice as steep as we’d expect, multiple tripping hazards, slippery surfaces, and the risk of falling tree limbs and coconuts.

Always carrying our LED mini flashlights has proven to be vital to our safety.  Last night, leaving the restaurant in torrential rains and gusty winds, luckily under an umbrella provided by the restaurant, I hung onto Tom for dear life.  If one of us went down, we both were going down. The long, steep outdoor steps were particularly hard to maneuver when their design was inconsistent and there was not a light or handrail at any point.

We both sighed with relief when we found Alfred, our trusty regular taxi driver, waiting for us and quickly jumping out to open the car doors as we handed off the umbrella to the restaurant server who escorted us. We were soaked all the way through to our underwear, but grateful to have made it to the taxi without incident.

No traveler can sit back and make the assumption that they are invincible and exempt from possible injury or illness when traveling.  With all the effort we’ve made, on a few occasions, we’ve fallen prey to unforeseen illness and injury. We can only hope and pray that we’ve exercised more than adequate foresight to guide us through those tough situations.

As they say on a mindless drivel TV show, Big Brother…” expect the unexpected.”  Doing so need not reduce the quality of our experiences or result in needless worrying.  But, preparedness, certainly minimizes the risks enhancing the quality of our experiences.

Languishing in Paradise…Making a new to-do list…

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There’s no free lunch.  No matter where we go, how untangled we strive to be, Life is filled with responsibility. 

Many years ago, my eldest son Richard and I discussed the merits of “living under a palm tree in a tropical climate, weaving baskets.”  At the time, it sounded like an uncomplicated analogy of how simple life could be if one so chose, escaping from the constraints of our everyday living.

Tom and I have had no delusions that traveling the world would be a far cry from escaping responsibility.  With banking, bills to pay, investments to oversee, health and personal property insurance, ongoing tax liabilities, and the time-consuming process of managing one’s household on the road, there was little opportunity to allow one mind’s freedom of letting it all go. 

On top of it all is the time-consuming process of continually planning the next step: airline reservations, hotel bookings, cruise bookings, finding health clubs, arranging transportation, locating Fed Ex offices, and on and on.

Beginning our travels on October 31, 2012, after 10 months of planning, we knew the flow of responsibility would follow us no matter how much we thought we’d prepared in advance. The 10 months were only the tip of the iceberg.

Today, comfortably ensconced at our new location at Laru Beya Resort for the next two-plus months anticipating the move on Sunday into our own condo/villa, reality slaps us in the face that our days of bemoaning our waterless situation are behind us and, it’s time to get back to that which we want and must do.

Here’s what’s on the agenda for the remainder of the month:
1.  Complete our excel spreadsheet with deductions and tax information for our accountant.  We’re almost done when yesterday our tax documents finally arrived via our mail service in Nevada, MailLinkPlus who will snail mail the actual documents to him.

2.  Complete the review and application for my new health insurance policy and both of our Emergency Evacuation policies.  Pay the annual premiums for all of the policies. (Tom still has insurance until age 65).

3.  Apply for visa extension for Belize. We have to take a boat to get to the immigration office on the mainland after finding our way to the boat launch area in Placencia Village.  (I mistakenly thought it was on an island as mentioned in a prior post. Excuse my error).

4.  Arrange for storage of our excess luggage in Miami for one year, while we’re in Europe and Africa.  On April 9th we’ll embark on a cruise from Belize City (midway through the cruise) sailing to Miami, arriving on April 13th at 8:00 am.

We’ll be staying on the same ship, the Carnival Liberty, in order to embark on yet another cruise later in the day.  We’ll disembark the ship in the morning with only our passports and our excess luggage grabbing a cab to go to a Self Storage 3.5 miles from the pier. They will store our bags for $15 a month plus a one time $22 service fee, in a climate-controlled space.

Once we drop off the excess luggage, we’ll have the cab driver take us to a Fed Ex office .6 miles from the storage facility to pick up our XCom Global device. While on this cab ride, we’ll stop at a drugstore to restock a few toiletries and a grocery store to restock our favorite Crystal Lite Iced Tea and our favorite sugar-free chocolate (unheard of here in Belize).

Normally, in the US a six package container of Crystal Lite iced Tea sells for around $3.49. Yesterday, we purchased nine containers priced at $7.75 US each. The owner gave us a discount of 3% for wiping out her entire inventory. Our final cost in Belize was $67.66 US as opposed to $31.41 in the US. 

5.  Order XCom Global MiFi device to take with us over the number of upcoming cruises, having them ship it to the Fed Ex Office near the pier in Miami so we can pick it up the same day we drop off the excess luggage at storage on April 13th, as indicated above.

6.  Apply for visas for Turkey, Egypt, United Arab Emirates, and Jordan from a different online company from the company we had previously used for our second passports (they don’t do visas for the Middle East), using the services of a company suggested by our cruise agent.  Yet to research.

7. Search for cruises to get us from South Africa back to Europe in March 2014, from Europe to Hawaii to meet up with our kids and grandkids in December 2014. The best route we’ve found thus far is from Barcelona to Miami when we’ll pick up our excess bags from storage and then possibly head out on another cruise from Miami to Los Angeles.  

Here’s the deal on the cruise from Barcelona to Miami.  What a great price!  We’ll book this cruise within 24 hours in order to receive the $100 onboard credit offered below.


FastDeal		 25626
14 nights departing October 26, 2014 on
Norwegian’s Norwegian Epic
Brochure Inside $899
Our Inside $599
You Save 33%
Brochure Oceanview $1,299
Our Oceanview $829
You Save 36%
Brochure Balcony $1,299
Our Balcony $829
You Save 36%
Brochure Suite $1,699
Our Suite $1,099
You Save 35%
$$$ Two-Day Sale! Book by February 8, 2013 and receive a FREE US$100 per cabin onboard credit on select categories.
Promotions may not be combinable with all fares.
The prices shown are US dollars per person, based on double occupancy, and subject to availability. They include port charges but do not include airfare or (where applicable) airport or government taxes or fees.
ITINERARY
DAY DATE PORT ARRIVE  DEPART
Sun Oct 26 Barcelona, Spain 5:00pm
Mon Oct 27 At Sea
Tue Oct 28 At Sea
Wed Oct 29 Funchal, Madeira, Portugal 9:00am 6:00pm
Thu Oct 30 At Sea
Fri Oct 31 At Sea
Sat Nov 1 At Sea
Sun Nov 2 At Sea
Mon Nov 3 At Sea
Tue Nov 4 At Sea
Wed Nov 5 St. Maarten 8:00am 6:00pm
Thu Nov 6 St. Thomas, U.S. Virgin Islands 8:00am 4:00pm
Fri Nov 7 At Sea
Sat Nov 8 At Sea
Sun Nov 9 Miami, FL 8:00am

Once we arrive in Miami, we’ll stay on the Norwegian Epic as it commences another cruise on November 9th, in order to “kill” another week.  Invariably, cruising with the meals included is a lower cost than staying in a hotel and dining out every night plus, its our means of transportation ultimately getting us to the next destination, enjoying each day in the process.

On November 17, 2014, upon completion of the second round on the Epic, we’ll find our way from Miami to Hawaii either by another cruise or by air.  It’s a toss-up:  airfare and where to stay for an extra month in Hawaii which is pricey or cruise and pay more overall saving on the daily rate.  Time will tell.

We’ll post the 2nd cruise which we’re working on right now with our cruise guy, Joaquin at Vacations to Go, embarking on November 9, 2014, once we book it in the next 24 hours. 

Today, we’ll drive the golf cart to Placencia Village to return it, taking a cab back. The cost of the cab is estimated at $10 US.  With no wheels for the next two months, we’re considering what would be the most cost-effective options. We’ll keep you informed.

Also, we found some local adventures we’ll partake in once we get situated in our new home, the LaruBeya villa, and complete some of the above tasks on our new to-do list.  There’s definitely no “free lunch.”

Glitches, resolutions and more health insurance research…

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We knew there would be glitches.  We’ve planned for them.  We’ve built emergency funds into our budget.  And here we are, not even out the door and a glitch occurs. Oh.

As we approached the 90 day sail date of our first cruise on the Celebrity Century on January 3, 2013 , our final payment was due.  This first cruise was more expensive than a number of our other cruises but Tom wanted to see the Panama Canal during its state of construction and this was a perfect time.

We justified the expense with it providing us with not only 15 days of cruising to the Panama Canal, but a final destination of Fort Lauderdale, leaving us in place to board yet another ship for our cruise to Belize.  Perfect!

My calendar marked for this upcoming balance due of $4645 after having paid a $900 deposit some months ago, I was prepared to pay in full this past Wednesday.  

In an effort to keep as much as possible of our credit cards free of any large balances, I paid using an American Express card (getting points) and our debit card (no points).  Alas, an error was made by Celebrity’s processing department and my debit card was charged an additional $2400 over and above the amount I had authorized.  

As a result, we had paid $7945 for a $5545 cruise. I don’t know about you, but unless a situation such as this is remedied in a matter of minutes, I can get a little testy, not so much rude as stern and extraordinarily persistent. Yes, very persistent.  

I kept reminding myself, after an hour of the phone whereby the cruise line could not detect that they overcharged us, to stay calm. Our bank account said otherwise.  We had expected these situations to occur.  Its all part of the process.

With no resolution, I called our bank, filed a claim after producing evidence of all the payments to prove we had overpaid. Jean, a very helpful banker was clearly willing to assist without hesitation.  

She not only hadn’t filed the claim upon email receipt of my documentation, (proving cost of the cruise and all payments, including that which was made with American Express), she put the $2400 (the bank’s money!) into our account  cover the difference. I had some bill pay payments in the process and had not prepared my checking account for this unexpected amount.  Sure, I could have transferred funds to cover this, but when they offered, I jumped all over it.

After more email communication with Celebrity the refund appeared this morning, much to my relief. Immediately I sent the bank an email requesting that they drop the claim and take back their temporary $2400. Whew!  

I knew it would eventually be resolved.  However, I didn’t want to spend valuable mental time these next crucial days (we move out in 20 days for the estate sale) thinking about this a possible 10 day period, the usual time to dispute a claim.  Thank you, Jean.  Thank you, bank.  Giving her this blog address, I hope she reads this post and knows how grateful we are.  

I always try to insulate Tom from these situations.  He works. I’m retired and besides, I must admit, I kind of enjoy the satisfaction of getting issues resolved as quickly and efficiently as possible.  No voice-raising, no name calling, no threatening and thus diplomacy prevails when backed by solid evidence. Love it!

In the past several days a bit of angst was “wafting” (love that word) around my brain that maybe, just maybe, we could get a better price on a worldwide health insurance policy for me when Medicare will kick in on my birthday next February. The thought of paying $432 plus $107 for Medicare makes me cringe, especially when Medicare doesn’t cover me outside the US. 

After contacting no less than a dozen companies over the past week I stumbled across what proved to be a delightful experience; email and phone communication with Gerry Mould of April Medibroker Ltd in the UK.  Gerry Mould took the time to prepare a substantial list of options for me (Tom is five years younger than I and will have a retiree policy through his company until he goes on Medicare in 2017) and also spent considerable time on the phone with me from the UK, answering many questions regarding our somewhat unique situation.  

Had we been able to acquire an address outside the US (their company is not licensed in the US), we would have been able to apply for a policy saving us over $2000 a year for coverage equal to or better than that which we have been planning with the State Farm supplement that also provides international coverage.  

Unfortunately, we won’t be able to work with Gerry Mould at this time. Who knows? Maybe someday we’ll be considered official “expats” and actually have that foreign address.  In the interim, I’ve left a message for our State Farm agent to review my health insurance quote when he returns from a convention next week.  Perhaps, we can find a less costly option. I’ll report back.

Now, I am off to see if i can complete the transaction on the sale of my car!  In either case, I will report back. With possibly no mode of transportation during the day, I’ll spend my time getting back to the issues at hand…completing our packing. 

I can’t wait to be on the road on our way to Scottsdale after all the tearful goodbyes, the finalization of the sale on the house, the move to a friend’s house for a week during the sale, the planning of Tom’s retirement party with his co-workers and family, the completion of the packing of Tom’s bags, working on the redesign of this blog with the web designers, filling the year’s worth of prescriptions, attending the neighborhood party our friend Sue is having for us next weekend and all the tearful goodbyes.  Ah, yes, all the tearful goodbyes.