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Which DAN policy for cruisers?

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Which DAN policy for cruisers?

by helmsmatt » Tue Jan 07, 2014 9:17 am

OK, we've been SSCA members since the 90's, finally leaving the dock permanently (years) at the end of January (YAY!).
We want to sign up for DAN for the evac coverage and carry A comprehensive COBRA policy for health insurance. Looking at the DAN site, there are a few selections to choose from.
For you cruisers subscribed to DAN, which coverage plan do you carry?
Thanks in advance.
Cindy and Matt
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Re: Which DAN policy for cruisers?

by Paul Lefebvre » Wed Jan 08, 2014 9:24 am

You may want to read this thread first before signing up for any plan with DAN!!

viewtopic.php?f=7&t=16620&p=78918
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Re: Which DAN policy for cruisers?

by helmsmatt » Wed Jan 08, 2014 9:56 am

Thanks Paul,
I searched the forum a few times over this issue and studied this thread with the letter from DAN president a few times over the past few months.
I've made the decision to join DAN based on this forum and what I've heard from others. Now I'd like to find out what others with experience are doing.
So did you join DAN? If so, what did you sign up for, if anything besides the basic membership?
Thanks again for replying to my post.
Matt
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Re: Which DAN policy for cruisers?

by Jon D » Thu Jan 09, 2014 8:39 am

Matt

There is no correct answer to your question. I carry their top of the line and did while we were cruising as well, I dive and wanted every bit of coverage just in case. If you look at the site the differences are explained and choose the one that best fits your needs.
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Re: Which DAN policy for cruisers?

by sail2fish » Wed Jan 22, 2014 8:24 pm

I think the DAN policy is great for divers and it is very economical -especially because of their knowledge of diving accidents. I advise against the cobra plan and would suggest something like GEOblue from blue cross or reside blue from seven corners. Pm me and I will happily get you some quotes, it's what I do.

Congratulations on finally setting sail.

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Re: Which DAN policy for cruisers?

by hellosailor » Tue Jul 08, 2014 6:46 pm

Not to go OT but a heads-up about Blue Cross Blue Shield.

There are many separate geographical BCBS companies. At least one has found a great way to stall on Obamacare, by taking up to four months to issue member IDs and five or six to issue provider lists, which are not as extensively indexed as they might be.

No ID means your pharmacist or doctor can't submit claims "but don't worry just pay them and you'll be reimbursed" and the poor indexing means that if you need a specialist, you may simply not be able to find one without calling every provider in your plan.

BCBS also has been shifting to "EPO" plans, so providers who simply "took BCBS" last year, may be locked out this year.

As insurers go...you can do worse, but caveat emptor. The four to six month stall is a good trick, there are no insurance regulations to violate. You may also spend in excess of two hours on phone hold if you have a question, because "Your calls are important to us." (I'd hate to see what happens to the calls they don't care about.)

Anyone else found that insurers are finding equally clever new ways to accept Obamacare, while not providing any service to the new policies?
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Re: Which DAN policy for cruisers?

by SaltShaker » Wed Jun 17, 2015 7:45 am

I can speak from experience here, so I hope that this helps any one who is thinking of traveling beyond U.S. waters.

As cruisers, we spend a tremendous amount of time, money and effort to prepare our vessels for sailing and passagemaking--preparing for every conceivable problem that may arise. Being active and healthy, we tend to think that the crew is prepared as well and that medical concerns will not be an issue, or at least that with the good old first aid kit, we can fix everything.

Last year, we had prepared and provisioned our boat for cruising to the eastern Caribbean. While in Georgetown, Exumas waiting for a weather window, my husband developed severe abdominal pain. With one phone call to DAN, they saved his life. They sent a lear jet with medics aboard and flew both of us out. In less than 2 hours, he was in the emergency room in Miami with a fantastic doctor waiting for our arrival. The only paperwork that was done (during the whole ordeal) was that they requested to see his drivers license. DAN handled EVERYTHING else. During the 6 days that we spent in the hospital, DAN called daily to see how things were going. We spent an additional week in Florida before his doctor would release him for flight at which time DAN flew us both back to the Exumas.

The story doesn't end here. At that time, we knew that we had missed the weather window to sail to the Caribbean so started slowly making our way back to the States. Exactly 5 weeks later while in the Abacos, he had another (unrelated) medical emergency and they flew us both back again. No questions asked.

The doctor at Jackson North Hospital in Miami told me that he has never in all of his years worked with a company as professional and compassionate as DAN. I back that statement 100%.

To answer the question as to which DAN policy you need? We did not buy their insurance but just became DAN members. A family plan is only $55 for a year and includes DAN Travel Assist.

http://www.diversalertnetwork.org/membe ... ndividual/
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Re: Which DAN policy for cruisers?

by marcuslibkind » Mon Jul 18, 2016 1:27 pm

This past November I used my $55 DAN policy to airlift me from Bimini to Fort Lauderdale. Although it cost me zero and DAN did all the work, the time to arrange the airlift was long. The clinic I was in said that they could have me in Florida in two hours, but with DAN it took all day. They had to get quotes to get the best price and then wait for availability. The clinic uses a service as needed on a regular basis and could have done much better. In fact, I could have gotten on a commercial flight and been in Florida in two hours.

So the bottom line is that if you are in dire emergency, then you might end up paying out of your pocket to save your life.

That said, I still have DAN insurance because it is so inexpensive.

FYI, had I not had DAN insurance, I believe that my regular medical insurance would have paid for the airlift.
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