So how’s that medical insurance thing going?

About six months ago, I wrote a popular blog post about how I price-shop around for medical, dental, and vision services. So what do you do about medical insurance? So how’s that working out for us?

Prescriptions:

Have you ever heard anyone say “You can actually get that medicine in (insert name of country here) without a prescription!” During our summer in Europe, I decided to find out if it’s true. By the end of our Camino hike across Spain, I’d finished the years’ worth of prescription thyroid medication that I’d filled at the Walmart in Florida. (Don’t forget -if you pay out of pocket, you can buy all of your refills at once, instead of 90 days at a time!). I was pretty stressed out thinking about getting my prescription filled in Santiago. I needed to find a Farmacia, ask for a pharmacist who speaks English, explain which medicine I need (I kept the pill bottle), possibly get sent to a clinic to see a doctor and get a blood test (all by public transportation), possibly wait for the results, and hopefully get a new prescription by the end of it all. I’d worked myself into a bit of a frenzy thinking about it, but Santiago was the only place we’d be staying for more than one night at a time, so I bit the bullet and gave it a shot. I walked to the closest Farmacia, and timidly asked “Hablas usted Inglés?” The pharmacist answered, “a little” and took a look at my pill bottle. My thyroid medication is extremely common, so in less than ten minutes, I walked out of the Farmacia with 100 pills of my exact dosage for 9.95€. Yahoo! Emboldened, I walked down the street to the next Farmacia and asked again. This time, I walked out with 100 thyroid pills for 4.95€ Double yahoo! For 15 Euros or about $16.75 I had enough medication to carry me over until I’m in one place long enough to find a doctor and get settled. I also take a slow-release pain reliever for osteoarthritis. When I ran out of the pills in Portugal, I MAY have used my status as a pilgrim walking to Fatima to ask for a little bit of sympathy from the pharmacists. In Porto I was able to buy two boxes of 60 pills of meloxicam each for a total of 20€ Once again, it’s enough to last me through the rest of my European summer and until I could sort out something more permanent, and the price was quite reasonable.

What else have I done to keep medical costs down in the past six months?

Vision:

I’m extremely happy with the quality, style, and durability of Warby Parker prescription eyeglasses. My first pair of prescription sunglasses lasted for two years in the extremely harsh environment of sailing – even spending one whole night at the bottom of the ocean in the harbor under our boat, requiring a snorkel rescue the next day. So during our brief trip to Colorado this summer I ordered two new pairs: a clear lens pair for $95 and a pair of polarized sunglasses for $175. Not dirt cheap by any means, but try comparing to prices in the optometrist’s office and you’ll find it’s a pretty darn good deal. Stylish too!

Dental:

I bought another Groupon this year for Capt. Mike’s and my dental cleaning and x-rays. It’s a great deal for new customers, but of course they are going to try to find something else that needs fixing in your mouth, because that’s how the dental office makes their money. This dentist found two old fillings that she recommended replacing, and it think it’s legit. I have a mouth full of fillings and the old ones do fail eventually. The dentist’s office manager gave me the option to pay cash using their dental discount plan. But wait! With an hour of research on the internet, I found a different dental discount plan that allowed me to pay by the month rather than subscribing for a full year, and I could cancel as soon as the fillings were complete. AND the fillings were cheaper too even provided at the same office by the same dentist. Lesson learned – it never hurts to shop around, and don’t hesitate to ask for a few days to decide before agreeing to treatment.

Flu Shots:

Sure, my international insurance plan doesn’t cover preventative care like free flu shots. But honestly, I’d rather pay between $20 to $40 out-of-pocket once a year rather than paying thousands of dollars in premiums for high-deductible plan I don’t use! Once again, I did a bit of internet sleuthing. The drug store chains don’t post flu shot prices on their web sites, but you can easily Google it and find bloggers who have done the price comparison research. You probably won’t be surprised to learn that Costco offers the cheapest flu shots this year at $19.99. But you MIGHT be surprised to learn that ANYONE can use the Costco pharmacy services for prescriptions or shots even without a membership. I was surprised! And I’m going to keep it in mind for future cost cutting. There weren’t any Costco warehouse stores near where we were staying in upstate New York, so I went to the next cheapest option at Sam’s Club. $35 with a normal membership, $30 with a Plus membership. There was no line at the pharmacy, I walked right in and had my flu shot complete for the year in less than ten minutes. Drug stores, such as CVS and Rite Aid, are more convenient locations for getting a flu shot, but they’ll charge at least $40. Sometimes they’ll give you a gift certificate or coupon toward a prescription discount to offset the higher cost.

Doctors and Accidents:

Thankfully, I haven’t had any injuries or accidents or gotten very ill, so I haven’t had to see a doctor since I signed up for the IMG international medical plan. But I do have a United Health Services insurance card with an individual and group id number that works both in the US and overseas. The premiums for Mike and I are affordable, and the deductible is “only” $1000 so if a big accident did take place, we could cover those costs more easily than we could with a high deductible plan. I’ll be in Puerto Rico for at least a month this fall, so I’ll go to a medical center there (after doing some cost comparisons, of course) and get prescriptions for the next year.

So here’s a funny story…

Two pilgrims walk into a bar. First pilgrim says to the second pilgrim….

Ok. I don’t really know any pilgrim jokes. I need to work on that! But the day before we walked to León, we walked 21 miles from Sahagún to Reliegos and ended the day by walking into Bar Gil around 3:00 pm. Now a bar in Spain isn’t the same as a bar in the USA. Yes, they serve beer and wine, but also coffee, sandwiches, and the ubiquitous tortilla. Basically a bar is a casual place to eat and drink that’s open all day instead of a fancy white table cloth restaurant that’s only open at Spanish (late!) dinner time.

And in this case, Bar Gil also hosted a few bunk rooms for pilgrims. So we went through the albergue routine: put our hiking poles in a container just inside the door, left our muddy boots on the shelf, showed our passports and credentials, paid our 8€, and chose a bunk.

After a shower, Mike and I were sitting at a table in front of the albergue with a snack chatting with other pilgrims when a cloud of grey smoke rolled up the narrow street. Locals sitting at the adjoining tables jumped up and hurried in the direction of the smoke. So we followed. It turns out that all of the dry grasses and vegetation in a 500 sq ft courtyard had caught fire, with a spark rapidly spreading across the entire space. If the shed or house caught fire, the entire street of connected but brick and wood buildings could be lost. With no firefighters in sight, the villagers (and a few pilgrims) grabbed rakes and shovels and tarps and beat the flames out. When the worst of the fire was contained, we all took turns pouring buckets of water on the embers and stamping on the sparks. I eventually decided it wasn’t the smartest idea to do so wearing sandals! I didn’t take photos during the fire (it seemed ghoulish) but here’s Mike in full Bombero (Spanish firefighter) mode as things were calming down. When we returned to our table in front of the bar, two of the local men thanked us for helping.

The next morning, we stayed out of the way while our French roommates packed up and got an early start. As soon as they were gone, we took over the bathroom and the floor space and did the same. As we were leaving up our boots to hit the trail I told Mike, “Um…I think we have a problem.” We had left our hiking poles in the bar which was now firmly locked and abandoned at 6:00 am. Drat!

We tried every door… Locked. I was getting ready to start knocking on the private doors to wake someone up to open the bar. Although I had no idea how is explain what I needed – in Spanish. We found an open window, moved several pots of plants and climbed through… Only gave us access to the restrooms. We found a back door with a key in the lock… Only accessed a back dining room with a few tables. But wait! Tossed in a corner of that dining room were our poles! Nowhere near where we left them. And not in any part of the building where pilgrims normally have access. Hmmmm…. Seems suspicious. But better not to think about it too hard. We had all of our gear, and we could go on our merry way. Just 45 minutes late and after quite a bit of breaking and entering.

More surprises… The Camino provides…

After several short days near Burgos, we are back to walking all day – today we walked 30km. We are walking through the Maseta, which is high desert and flat, but a completely different terrain than a week ago.

Today, while walking the Camino de Santiago, we crossed another ancient pilgrimage route, called El Camino Lebaniego – a pilgrimage to the monestary which holds the largest relic of the “true cross” of Christ’s crucifixion. While the Camino continues west to Santiago, this route diverges south, and again it is a reminder of the countless people who have walked this way before me. The crossroads is a lovely spot along a canal where we walk across a lock.

The sign describing the pilgrimage to the cross was my favorite part of the day. At the bottom of the English portion it reads: “If you walk for religious reasons, or you walk for cultural reasons, you are welcome. Whatever intention you bring is good.” I think this means whatever reason brought you to the Camino today is the right one – it is where you are meant to be right now.

After a very long day, when we bypassed lovely hotels and beautiful gardens and even swimming pools…

We finally arrived in Población de Campo. The albergue at La Finca is lovely, with each pilgrim having her own little private space of bed, and shelves, and light, and locker – all for 10€ pp. I joked with Mike that the little privacy curtain has super powers, and would even block out snoring.

But when we walked across the garden to the restaurant, we learned that, for the first time in our Camino, they had absolutely nothing gluten free than we could eat. We were pretty much ok if the pilgrims’meal contained pasta – we were prepared to order off the regular menu and to spend more money. But the woman at the bar clicked her tongue and said “muy dificile, muy dificile” repeatedly, and didn’t offer us a single gluten free thing we could eat. So I was ready to have peanuts for dinner, but we decided to put our tired feet in shoes and walk into town to see what we could see.

We stopped at a small hotel and asked if they had a Pilgrim’s menu. The response was an absolute torrent of Spanish (I have GOT to become fluent in Spanish) but the gist of it was, “we don’t have any pilgrims starting here tonight, so we aren’t doing the pilgrims menu. You’re staying at La Finca, right?” So Mike and I said yes, and proceeded to look very sad, and senior spoke to senora and soon decided that if we came back at 7:00, we could have dinner. So we walked down the street and killed an hour in a local bar where my elbow literally stuck to the table and we had to pull the barkeep away from his telenovelas. But after we ordered wine and peanuts, he warmed up to us. He asked where were were from, and showed us his collection of currency from pilgrims who have visited from all over the world: USA, South Africa, Thailand, Indonesia, Bulgaria… He gave us each a shell (the symbol of St James), and wished us a Buen Camino!

So we made it back to the hotel right at 7:00, and seriously had one of the best meals of our entire Camino. The whole dining room was set, with a table just for us. A bottle of water, a bottle of wine… Senior brought a tureen of the best soup I’ve ever had – white beans and clams, still in the shell. Then a plate of tomato salad. Then pork ribs that just fell off the bone. Then dessert – but the cream dessert had a cookie crust, so in distress, senior gave it away to the front desk clerk instead and replaced it with the most delicious ripe melon. And, to go with the melon, he brought us two shot glasses of house-made after dinner liquor, that tasted like sunshine and honey. After all this, he only charged us 9€ each. We did leave an appropriate tip (trying not to be stupid Americans) and a glowing Google review, but their hospitality to these two starving pilgrims will be one of my best memories of the Camino.

So we walk into a little town and a bull fight breaks out…

In the middle of a Europe-wide heat wave, Mike and I set the alarm for 5am, and started walking by 5:30 to beat the afternoon heat of 100°F or higher. Our earliest start yet, we found our way out of the town of Los Arcos in full darkness, and covered almost 7km before sunrise.

By the time we reached Torres del Rio, we were jonesing for some tortilla and coffee. This was one of those stops where we could not find tortilla without bread to save our lives, so Mike worked some magic, and talked a bar owner into scrambling up some eggs special. I asked for four (two eggs each), but Mike raised me and ordered six.

With such an early start, we were doing great and reached out halfway point for the day at Viana by 11:00. We entered the ancient walled city through a gate topped with a warrior right out of Game of Thrones, and started to look for a good spot to take a break and rest our feet.

But less than 100 yards down the narrow, cobbled street we found ourselves in the middle of a party! Lots of little kids, all dressed identically in white with red neck kerchiefs, racing around a square, being chased by a costumed man with a huge paper maché head and a whip.

Well I’m not sure what that was all about, but it was certainly intriguing. We continued about a block further, and found ourselves in the middle of a parade! Absolutely everybody was wearing white and red, a band playing, and four giant king and queen puppets dancing and spinning in the middle of it all.

So we joined in! We followed the festivities right into the middle of town where the parade dissolved into the town square, and everyone pulled up seats at tables that filled the square and the surrounding streets from curb to curb, drinking wine and eating pinxtos. I saw a table of pilgrims we knew and Stefan from Switzerland said, “It’s the town’s feast day. And there will be a running of the bulls at 2:00!” What?!?!? Mike and I plopped down our bags, ordered a glass of wine of our own, and discussed the situation. The beauty of not booking anything in advance is that we really don’t have to stick to a schedule, right? And even though we got up early, and have only made it halfway, nothing says we HAVE to keep walking, right? And there’s going to be a running of the bulls… RIGHT DOWN THIS STREET, right? It was an easy decision. If we could find a place to spend the night, we’d stay.

All of the private hotels were full due to the fiesta, but not the pilgrims’ albergue! We were in line when they opened at noon, and had paid 8€ each for our bunks and taken showers and headed back out into the streets by 1:00. We joined the locals at a small table lining the main street through the old walled city and ordered a couple of pinxtos to sustain ourselves until the main event. My restaurant Spanish is getting better: Dos pulpo (octopus) por favor, and uno atún con cebolla (tuna and onions).

Suddenly, the excitement level kicked up a notch, and all of the tables and chairs were getting whisked away. It was pretty intimidating watching these big metal grills get dragged in to cover the doors and windows of the shops to protect them from angry bulls. We lurked at a cross street, waiting until city workers started pulling a big wooden gate closed across the intersection, then we climbed up on the gate for a front row seat!

I’ve learned a few things from my one and only running of the bulls. First, they don’t just run once, at least in a small town like Viana. They run back and forth through town several times. And…

The first time – the bull is fast! No one runs with a fresh bull. At most, the macho guys wait for the bull to run past, and then stick out a leg, or a water bottle to poke at him as he runs by.

As a spectator, you’re more at risk of getting clobbered by a man leaping the fence to escape the bull, than you are from the bull himself. Fair enough!Eventually the bull gets tired. Then men start to run with him. Only the youngest and fastest at this point…

Eventually the bull gets angry. After a few passes through town, he’s hot. And tired. And big plumes of snot are hanging from his nose. He’s not very fast anymore, but he’s willing to get distracted and ram into the crowd. Or a gate. Or a wall. Or pretty much anything.

  • This is when it gets interesting. Young men run with the bull, and jump out of the way. Old men hold sheets of plywood and cardboard across the street and dare the bull to break them. Spectators leap out of the way when a distracted bull charges the fence for no good reason. (this actually happened, but I don’t have pictures. Self preservation) At this point, Mike was happy he decided not to run with the bulls.
  • Finally, the clock strikes 2:30, and the poor tired bulls get to return to their pens. The town’s people grab another round of drinks to celebrate that they are still alive, and then… Siesta….

You’ve got a lot of huevos, my friend…

My Camino is pretty much powered by eggs! Mike and I are both gluten-free for medical reasons so we can’t eat bread, pizza, sandwiches, or pasta. It can make things kind of tricky in Spain. Breakfast here is usually bread or croissant with butter or jam and coffee and juice. The easiest snack to grab during the day’s hike or when the day’s walk is over but there’s hours until dinner is a boccidillo, or ham and cheese sandwich. Since we can’t do bread, we eat tons of eggs instead.

We are becoming connoisseurs of the Spanish tortilla. At it’s most basic, it’s a big omelette of eggs and potatoes. It’s usually sitting in the counter of a bar, ready to be sliced and served alone or as a sandwich.

Now mind you, we’re eating this at least twice a day, so we get really excited when we find something different -maybe tortilla with olives and peppers, or one that’s extra thick or particularly crispy on top.

Of course, Mike is thrilled when they give him a slice that’s extra big – when they don’t, he’s taken to ordering two slices right off the bat. I, on the other hand, order two coffees ’cause there are no venti-sized cups here!

Occasionally, the tortilla is already premade into sandwiches, so we have to negotiate using our very limited Spanish to see if they’ll make us a fresh one “sin pan.” Sometimes these turn out to be the freshest, yummiest tortillas of all!

We recently spent the night in the small village of Atapuerca, which is organised to support tourists visiting the archaeological site and not really supportive to pilgrims. The only place serving food before 8pm was a bar. And the only option besides sandwiches was fried eggs. Go figure!

Add that to the hard-boiled eggs we often make when we stay in an albergue with a kitchen and, as Mike says “I think I’m on my eighth egg of the day.”