We are in the very fortunate position of having out-of-country coverage for 6 months with pre-existing medical conditions covered (and no questionnaire)as part of my retiree benefits. The coverage is 80% for the first $10,000 of bills then 100% coverage for costs over $10,000 meaning our total liability is capped at $2,000. The plan is through Sun Life.
I'm wondering if some companies who have coverage for employees would let their retirees pay for out-of-country coverage as the rates would be better than individual policies with better (less restrictive) plans. It may be appropriate to ask!