Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Long-Term Travel, ACA and Scuba Diving
Old 08-02-2015, 01:05 PM   #1
Recycles dryer sheets
Join Date: Sep 2007
Posts: 51
Long-Term Travel, ACA and Scuba Diving

Hi - are there folks on the board who are U.S. Residents (require ACA compliance) but also travel long term (45 days to 6 months) internationally? What insurance options do you have (or are you considering?)

We have the Annual DAN travel (with medical) plan along with US employer based plan, but upon retirement, we will be spending about 6 months internationally and having a hard time finding the right options....most have a 31 or 45 day max per trip, or are designed for travel rather than medical. We scuba dive so we plan to get DAN accident to cover Evacuations but still prefer some sort of catastrophic medical. Hubby gets kidney stones so a per trip travel (like nomads that allow up to 6 months) will exclude pre-existing....seem silly to pay ACA plus international as well, so any advice will be a huge help!

I found a few threads on international living, ACA and international medical, but couldn't find any info for trips that last for more than 45 days but less than ACA exemptions (only about 6 months outside the U.S.)...

Sent from my iPhone using Early Retirement Forum

msbearkeley is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 08-03-2015, 05:33 AM   #2
Full time employment: Posting here.
Join Date: Jan 2014
Posts: 715
My BCBS EPO plan is part of the BlueCard and BlueCard Worldwide Programs, which includes coverage in foreign countries. I have not used it and don't know how it compares to other options.

MBSC is offline   Reply With Quote
Long-Term Travel, ACA and Scuba Diving
Old 08-17-2015, 09:18 PM   #3
gone traveling
Join Date: Oct 2007
Posts: 1,135
Long-Term Travel, ACA and Scuba Diving

Need an ACA policy and an international policy. Search "global nomads" on this forum and you will find more info. In brief:

There are many options for this insurance. One such example :

Basically you need to get a non ACA compliant policy that covers you for the duration of trip / travel in the countries that you will be in.

Usually these policies exclude the costly USA coverage (but you have that in your ACA policy) but sometimes cover you in USA too depending on duration of travel and time outside USA.

papadad111 is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Long term loss combined with long term gain dmpi FIRE and Money 9 12-21-2012 03:27 PM
Scuba Diving Stevewc Other topics 20 06-04-2009 06:17 AM
Love to Scuba, But You're Dead? JPatrick Other topics 6 03-03-2006 06:02 PM


All times are GMT -6. The time now is 11:00 AM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2018, vBulletin Solutions, Inc.