So, here’s the deal: I was on a retirement insurance plan with Health Net HMO, but now I’m moving on to Medicare. Luckily, my old employer hooks us retirees up with a bunch of group plan options, including supplements and Advantage plans, plus they chip in for part B premium reimbursement. I’m going with a part B supplement through Anthem Blue Cross (not an Advantage plan) that also throws in BCBS Global Core. This new setup kicks in on January 1, 2026.
Now, the lowdown on this BCBS Global Core policy is that it’s got my back for 80% of the services I get abroad after I hit an annual deductible (somewhere around 50 or 100 bucks, I think?). But here’s the kicker: it’s only good for the first 6 months I’m outside the US, so it’s not a full-on replacement for health insurance if I decide to make a permanent move overseas. And yep, you guessed it, there’s still that pesky 20% that’s on me to cover. Oh, and this policy isn’t just for emergencies – it covers stuff like preventive care, doctor visits, surgery, x-rays, you name it.
Now, I’m a bit of a globetrotter, so I like to jet off for long stretches at a time. I could be away for months on end, being the retired jet-setter that I am. As of now, I don’t have any solid plans to be out of the country for more than 6 months straight, but who knows what the future holds, right? If that day comes, I’ll have to figure out the local insurance scene in whatever new spot I land in (I’ve peeked into that a bit already).
But for the time being, my main concern is snagging some extra coverage to handle that 20% gap left by the BCBS policy. And hey, if there’s a way to score air ambulance coverage, sign me up! I’m crossing my fingers that there’s a policy out there that can piggyback off what I’ve already got.