Advice for future B2 retirement visa for Florida
#32
Sad old Crinkly Member
Joined: Oct 2003
Location: Tallahassee, Florida
Posts: 807
Re: Advice for future B2 retirement visa for Florida
After that you're on your own.
Our friends who were visiting for months at a time were unable to find any suitable insurance to cover healthcare.
They had to pay out of pocket for all medical issues.
Typically they used the local 'minute clinics' at $125 a visit, then prescriptions at cost.
Biggie was the birth of their daughter. That was a $10,000 upfront payment. But that issue shouldn't effect the pair of you.
This guy in Thailand came a cropper ref the 31 day limit.
https://www.bbc.com/news/uk-wales-64187351
Last edited by excpomea; Jan 11th 2023 at 2:39 pm.
#33
BE Forum Addict
Joined: Aug 2013
Location: Athens GA
Posts: 2,132
Re: Advice for future B2 retirement visa for Florida
Saga will cover for 120 days and it looks like the Post Office will cover an extended period. The Post Office on-line produced a quote for me for 5 months, UK to USA, of £2k including £10m for medical/repatriation cover.
#34
Re: Advice for future B2 retirement visa for Florida
Note, those annual policies are good value. But I'm pretty sure they only cover trips up to 31 days.
After that you're on your own.
Our friends who were visiting for months at a time were unable to find any suitable insurance to cover healthcare.
They had to pay out of pocket for all medical issues.
Typically they used the local 'minute clinics' at $125 a visit, then prescriptions at cost.
Biggie was the birth of their daughter. That was a $10,000 upfront payment. But that issue shouldn't effect the pair of you.
This guy in Thailand came a cropper ref the 31 day limit. .....
After that you're on your own.
Our friends who were visiting for months at a time were unable to find any suitable insurance to cover healthcare.
They had to pay out of pocket for all medical issues.
Typically they used the local 'minute clinics' at $125 a visit, then prescriptions at cost.
Biggie was the birth of their daughter. That was a $10,000 upfront payment. But that issue shouldn't effect the pair of you.
This guy in Thailand came a cropper ref the 31 day limit. .....
#37
Re: Advice for future B2 retirement visa for Florida
If you need something more than a minute clinic can provide, or when the pharmacy is closed, then you go to an "urgent care clinic" for things up to and including broken bones - they are usually stand-alone locations (not attached to a pharmacy, hospital, or any other medical business), often near major roads or junctions. Do not go directly to a hospital accident and emergency unit unless you have a life-threatening condition, or an ambulance takes you there, as a hospital is the most expensive place for treatment. Also be aware that you will get charged for a ride in an ambulance, and that ain't cheap either!
If you take yourself to a minute clinic or urgent care, and they cannot help you, they will refer you to a medical provider who has the capability; and IME they will phone ahead to the A&E to alert them that you're on your way and what the problem is.
I have gone to a primary medical service provider three times (GP once, and urgent care twice, but for the same condition), and been referred to an A&E unit for further investigation, and in one case for three nights in a hospital bed, (very minor) surgery, and a $20k bill!
Last edited by Pulaski; Jan 11th 2023 at 4:14 pm.
#38
Re: Advice for future B2 retirement visa for Florida
The OP should also check their home insurance, as that might need adjusting if the property will be left empty for long stretches of time.
#39
Just Joined
Thread Starter
Joined: Jan 2023
Location: Norfolk U.K.
Posts: 23
Re: Advice for future B2 retirement visa for Florida
Yes that’s a top tip, thanks. Home insurance would need adjusting, forgot about that.
I’ve just had a quote for $10,000,000 cover for 6 months for the pair of us and it’s £1450. Does that sound right?
I’ve just had a quote for $10,000,000 cover for 6 months for the pair of us and it’s £1450. Does that sound right?
#40
DE-UK-NZ-IE-US... the TYP
Joined: Mar 2010
Posts: 2,848
Re: Advice for future B2 retirement visa for Florida
#41
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Thread Starter
Joined: Jan 2023
Location: Norfolk U.K.
Posts: 23
Re: Advice for future B2 retirement visa for Florida
Hi all, just tried LV travel insurance… a quote for my wife and I for top level of cover, provided we’re under 65…. Give 360 days of cover. With no prior medical conditions. £629.
#42
Re: Advice for future B2 retirement visa for Florida
Sorry, but that sounds implausible. I would ask explicitly if that covers you for 6 months in Florida ..... and not believe the answer unless they can show you supporting wording in the actual policy document.
Last edited by Pulaski; Jan 11th 2023 at 6:33 pm.
#43
Re: Advice for future B2 retirement visa for Florida
Be careful with the language -- "travel insurance" is frequently very different from "international travel health insurance." As Pulaski says, read the boilerplate extremely carefully.
#44
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Joined: Jan 2023
Location: Norfolk U.K.
Posts: 23
Re: Advice for future B2 retirement visa for Florida
Well…maybe, but i entered the details set out in the online proforma. Those were specific to age.. LV policy changes drastically at 65 and 79, whereby their cover period shrinks dramatically.
Also any prior health conditions, which thankfully at the moment we haven’t, but of course this little escapade, isn’t taking place for at least another 4 years so by then I’ll be 61.
I’m just putting out there what was just quoted. It didn’t ask if I was staying at a permanent residence or what I intended to do.. providing I wasn’t going on a Cruise or taking up winter sports. Cover was for the USA, so I thought it was very good.
Also any prior health conditions, which thankfully at the moment we haven’t, but of course this little escapade, isn’t taking place for at least another 4 years so by then I’ll be 61.
I’m just putting out there what was just quoted. It didn’t ask if I was staying at a permanent residence or what I intended to do.. providing I wasn’t going on a Cruise or taking up winter sports. Cover was for the USA, so I thought it was very good.
#45
Re: Advice for future B2 retirement visa for Florida
Well…maybe, but i entered the details set out in the online proforma. Those were specific to age.. LV policy changes drastically at 65 and 79, whereby their cover period shrinks dramatically.
Also any prior health conditions, which thankfully at the moment we haven’t, but of course this little escapade, isn’t taking place for at least another 4 years so by then I’ll be 61.
I’m just putting out there what was just quoted. It didn’t ask if I was staying at a permanent residence or what I intended to do.. providing I wasn’t going on a Cruise or taking up winter sports. Cover was for the USA, so I thought it was very good.
Also any prior health conditions, which thankfully at the moment we haven’t, but of course this little escapade, isn’t taking place for at least another 4 years so by then I’ll be 61.
I’m just putting out there what was just quoted. It didn’t ask if I was staying at a permanent residence or what I intended to do.. providing I wasn’t going on a Cruise or taking up winter sports. Cover was for the USA, so I thought it was very good.
Last edited by Pulaski; Jan 11th 2023 at 6:41 pm.