Retirement; like your parents, but way cooler
In 1991 Billy and Akaisha Kaderli retired at the age
of 38. Now, into their 4th decade of this
financially independent lifestyle, they invite you
to take advantage of their wisdom and experience.
(of Health Insurance)
Billy and Akaisha Kaderli
The ever-present question
It is such a fatiguing topic and one that
is filled with emotion and fear. As a nation we can hardly get past it and
present solutions are sometimes as hard to handle as the problem itself.
I’m talking about the price of the
administration of health care.
High cost and obstacles
We know a couple who pays thousands of
dollars a month for a catastrophic, high deductible plan in the States and they
have never had a claim.
Another couple pays even more just for the
husband’s ability to be insured with his pre-existing heart condition.
Some people are not able to be covered at
all with US insurance companies due to a completely cleared up medical condition
that happened 5, 8, or 10 years ago. They feel they are just twisting in the
wind and waiting for the next shoe to drop.
Hospital room in Chapala, Mexico
Sometimes our readers write to us about
staying in their jobs for another 5 years or more to qualify for employer
covered health insurance that will last “forever.” Is it worth it? they ask.
They feel like they are spending their healthy years chained to a job that has
lost its luster for something in the future that might not exist when they need
or want it. Or the parameters will have changed so much that they’ll wonder if
it was all worth it.
To look into private, national and international insurance options, click here
As you know, Billy and I have traded
security for adventure many times in our lives. And when it comes to health
insurance and the price for the administration of health care, it’s no
different. Medical Tourism is a viable option and one that we espouse in our
articles and books. We have been called on the carpet for our decisions in this
area more than once.
However, among world travelers there is a
phrase we use when we discuss health insurance policies and whether or not we
want to continue holding one and paying the corresponding price tag.
It’s called “going naked” or “going
Dental implants done in Mexico and Central America
This phrase pretty much describes how it
feels when one chooses to let that insurance policy go. One can feel pretty
exposed and vulnerable – at least in the beginning. On the other hand, not
being tied to a $12,000 -$24,000 or more payment per year opens up other
After a few years without a policy payment
one can save enough money to afford out-of-pocket something unexpected medical
For the most part we’re talking about
travelers here, so these are people not living a full time traditional life in
the States. They have made certain decisions and trade-offs to have the life
they enjoy, and they have already received health care in other countries.
Going to a doctor in a foreign country for
the first time can be unnerving. But then after experiencing the care, realizing
the doctor speaks English, seeing the hospital or clinic with their computers
and quality equipment and having the heart-felt care, things get placed into a
Modern international hospital, Guatemala City, Guatemala
Those who have never had medical service
out of their own home country tend to look at this topic with jaded eyes or
Those who have gone through this experience
feel their eyes have been opened to new possibilities. The idea of “going naked”
of an insurance policy becomes a manageable possibility. Going “half-naked”
(choosing a high deductible policy or travel insurance when visiting the States)
is a comfortable middle ground.
international dentists, hospitals, and clinics, click here
Once again, Billy and I are not advising
anyone to do anything. We present options to challenging situations, and you can
ruminate about it or toss it into the round file.
But one thing we see over and over again is
how this one subject seems to be over-weighted as compared to other themes that
could generate happiness and comfort in one’s retirement life. Categories such
as cost of living, reasonable weather, having a community of friends and
energizing, rewarding activities to do, for instance.
There is no one size fits all, to be sure.
But if the overbearing cost of
administration of health care is a concern in your retirement plans, you might
consider some working alternatives.
For more information on Medical Tourism,
For Alternative Medical options,
Questions from a Reader on sorting out access to health care after retirement
Options for health care insurance during retirement
Top Ten Questions and Answers on Medical Tourism
To educate yourself on alternative care and
leading edge technologies, click here.
Buying Medical Care Versus Buying Medical Insurance
Cancer Treatment in Guatemala
Stem Cell Therapy - The Future
Experiencing Covid in Mexico - One man's medical adventure
Orthopedic Care in Guatemala
Also you can check out these websites, which
are overseas: Central America
Central American Dental.
About the Authors
Early Lifestyle appeals to a different
kind of person – the person who prizes their
independence, values their time, and who doesn’t
want to mindlessly follow the crowd.
Retire Early Lifestyle Blog
About Billy & Akaisha