BOOMERBROADcast

Baby Boomer's social commentary on life in OUR sixties for those who rocked life in THE sixties.


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Don’t get sick or hurt traveling outside of Canada

Boomers are taking out-of-country vacations in unprecedented numbers.

Now that baby boomers are reaching the age of retirement, many are choosing to escape Canada’s crappy winters and migrate to Florida, Arizona and other sunny climates for a few weeks or months each year. We’re taking boat cruises, visiting Europe and doing all the things we didn’t have the time or money for during our working years. Notwithstanding “pre-existing conditions”, we buy our out-of-country health insurance and off we go. Buyer beware. What happens when we’re in a car accident, develop intestinal problems or suffer a stroke or heart attack? That’s when we learn that insurance companies are in the business of making money for themselves, not serving the needs of policy holders. This realization should come as no surprise but it can make for some frustrating and inconvenient experiences. Not to mention the obstacles presented by health care provided in foreign countries.

Illness is one thing, but car accidents are another matter altogether when you’re travelling, In Florida and many other places, it’s still legal to use hand-held cell phones while driving, and dangerous texting drivers are commonplace. Compounding the bad driver issue is the age of so many of the drivers in the sunshine states as well as the preponderance of impaired drivers. I know more than one person who was run over when someone backed out of a parking spot without looking behind. That reinforces the argument that it’s always safer to back into a parking spot rather than backing out where it’s difficult to see obstacles.

Even minor issues can quickly rack up tens of thousands of dollars in medical costs.

The bottom line is out-of-country insurance is a must but be aware of the hazards inherent in insurance coverage. I once went to “Emergency” on Christmas day in Florida to remove the rubber tip from my hearing device that had become lodged deep inside my ear canal. I couldn’t fish it out. A trip to the hospital involved several hours of waiting before being seen by a doctor (after being triaged by a series of admin staffers). The procedure took five seconds using special forceps and because I had failed to notify my insurance company in advance and get their recommendation for a facility to do the procedure, I was out of pocket $1,750.00. Ouch. After that experience, I found the perfect forceps on Amazon for $25.00 and now take of the problem myself when it happens.

Be well, but more importantly, beware.

Friends were rear-ended in a car accident when they went for a coffee one evening in Florida. A trip to the hospital involving six hours of tests and treatment resulted in a total bill of $37,000.00 as well as a truckload of paperwork and legal followup after they returned to Canada. Fortunately their insurance covered it. Another friend had intestinal issues and a couple of quick trips to Emergency for tests and prescriptions cost $18,000.00. He’s worried this will affect his future insurability and premiums. Someone else had heart issues in Greece and was treated in a hospital that provided no towels or hot water no drinking water to take pills, no toilet paper and minimal care. After moving to a private clinic, he was presented with a bill for thousands of dollars when he checked out two days later. The clinic demanded immediate cash or bank transfer in payment. The clinic would absolutely not deal with the Canadian insurance provider and finally agreed to accept a Visa card payment. Then, he faced a fight with his insurance company for reimbursement when he returned home.

The bottom line is beware, be healthy and bee-line it home to Canada if you can. Even paying for an air ambulance trip at thirty or forty thousand dollars could be cheaper and safer than out-of-country medical care. Call your insurance company before seeking treatment. If possible, get your ass home immediately. The Canadian health care system may not be perfect, but it is relatively hassle-free and we don’t have to mortgage the mobile home to receive care like our American neighbours do. In the meantime, drive very defensively in the United States, assuming, under Trump you qualify for entry. But that’s another subject for another time.

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Fashion . . . are we in or are we out?

Diane Keaton. My style inspiration.

In my mind’s eye I have the quirky fashion panache of Diane Keaton, the adorable personality of Meg Ryan in When Harry Met Sally, the casual savoir faire of the mature Lauren Hutton and the smarts of Samantha Bee. In reality, there’s a significant spread between what I am and what I would like to be. Let’s just say my fashion style is more aspirational than inspirational. In reality, I resemble the hapless middle-aged lady from the television commercial who falls off her exercise ball or crashes down from the pole as she attempts the latest dance moves. In my attempts to remain current and relevant, will I ever get it exactly right?

Perhaps my frequent missteps are the result of fashion magazine overload a.k.a. fake news for gullible boomers. In our efforts to remain au courant, we sometimes misinterpret what works and what doesn’t work. Obviously, no one since Caroline Bisset Kennedy (late wife of the late John Jr.) has been able to successfully pull off a slip dress. And now the fashionistas are telling me all I have to do is pop a saucy little tee shirt under it, pair it up with some strappy sandals and I’m all set to go? Or that a one-shouldered pin-striped blouse with acres of ruffles across the front and on the single sleeve will qualify me for the eternal hall of fashion shame? Both looks are too horrifying to even contemplate and I really don’t want my picture circulating on the internet’s “Seen shopping at Walmart”. . . again!

Some things that may look great on supermodels are not quite as successful on real-life boomers.

I don’t need to paint a picture of what boomer gals would look like in a spaghetti-strapped mini length sun dress or, conversely, an oversized chunky knit boyfriend sweater with a cowl neck the size of a tractor tire. Spare me the embarrassment of trying to wear wasp-waisted sailor pants, a tube dress or the agony of five-inch platform heels. It’ll be a frosty day in hell before I expose my saggy knees in ripped three-hundred dollar designer jeans or my sun-damaged décolletage in sheer, gauzy plunging necklines. Rompers and jumpsuits don’t even warrant discussion. I have a drawer full of fabulous leather belts that will never again see the light of day. But I hang on to them in case I get lucky and acquire a parasite that causes me to lose twenty pounds and the return of my long-departed waistline. Haircuts are predicated on making the most of a losing (literally) game.

Despite the challenges, I keep subscribing to fashion magazines and poring over their ridiculously Photoshopped glossy pages in the vain hope they might feature something boomer women can confidently strut out in. We may not be the chicest or the trendiest nor may we ever be short-listed for the Best Dressed list, but most of us have finally found our groove despite being a demographic that is completely ignored by the fashion industry. It’s more about personal style than wearing what’s the latest fashion.

I think the best we boomer gals can hope for is a little bit “in” and not too much “out” sprinkled with a dash of fun and originality. Walking a balanced line of fashionably stylish and stylishly comfortable suits me just fine. And if I manage to capture even a teeny slice of Diane Keaton’s style, then I’ll count myself “in”. In the meantime, I think I’m talking myself into those weird silver earrings I saw yesterday but didn’t have the nerve to buy. Yes?

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