Everyone needs health insurance, and chances are, you have it. You definitely do if you are a military family. It’s a clear benefit to serving our country. Let’s face it, there are a lot of down sides to serving, (low salaries, frequent moves, etc.) but we don’t do it for the perks, do we? We do it because of our love of our country and a real desire to serve. We are lucky, though, to have good health insurance that follows us through moves, travels, visits to family, you name it.
Not everyone is so lucky and often, our own family members and civilian friends don’t have as much coverage as they think they do. We have to be sure to have friends and family look into their coverage before they visit us at our new duty stations, wherever they may be.
Home is where the Navy sends us.
Emergency and traumatic medical costs can run into the hundreds of thousands of dollars. Health insurance is really the only way for most of us, and the people we know and love, to pay for it. When we have visitors to our overseas duty stations, I make sure they get special short term health insurance policies before they start their trip.
I know a family who had an elderly family member visit them when we lived in China. While she was there, she became very ill. She had to be hospitalized for weeks and eventually had to be medically evacuated back to the US. Luckily, she and her family were smart and had purchased a special policy to cover her during the trip. Her treatment was covered as was her transport back to the States, complete with a nurse and ongoing treatment in-flight.
The policy they purchased, after fully researching and getting temporary health plan quotes, paid for itself well more then ten-fold. It was money well spent, for sure.
Ever since we went through this traumatic experience with our friends, I encourage all visitors to follow their example and be prudent. I’d be hard pressed to think of a better example of the cliche: An ounce of prevention is worth a pound of cure.