The Chronic Care Planner


This archetype prioritizes reliable healthcare access, continuity of treatment, medication security, and predictable systems over lifestyle fantasy. The goal is simple: no care gaps, no medication disruptions, no surprises.

Best-fit if you…

  • manage one or more chronic conditions (diabetes, hypertension, asthma/COPD, autoimmune, CKD, heart disease, chronic pain, mental health conditions, etc.)
  • rely on prescriptions you cannot safely pause, substitute, or delay
  • need predictable access to labs, imaging, specialists, and follow-up care
  • feel safer making decisions based on systems rather than vibes, trends, or social media hype

Not quite this archetype if you…

  • rarely use healthcare beyond preventive visits and occasional urgent care
  • are flexible about clinicians, treatments, and medication substitutions
  • mainly want “cheapest + prettiest” and plan to figure healthcare out later

Quick Self-Assessment (5 minutes)

Answer these before you shortlist countries:

Your care profile

  • What conditions require ongoing monitoring?
  • How often do you need labs/imaging?
  • Do you need specialist care (cardiology, endocrinology, rheumatology, pulmonology, nephrology, oncology, psych, etc.)?
  • Do you use devices (CPAP, glucose sensors, oxygen, nebulizer, mobility aids)?
  • Do you need infusions/injections (biologics, anticoagulants, immunotherapy, etc.)?

Your medication risk level

  • High risk: insulin, biologics, anticoagulants, anti-epileptics, transplant meds, controlled substances, injectable meds, meds requiring prior authorization
  • Moderate risk: common chronic meds that may vary by brand/formulary
  • Lower risk: meds widely available with easy substitution

Non-Negotiables Checklist (expanded + practical)

1) Care continuity

Goal: You can establish care and keep it.

Must confirm:

  • Can you register with a primary care provider quickly after arrival?
  • Do you need a referral to see specialists (gatekeeper system), or can you self-refer?
  • What are typical wait times for:
    • primary care new patient appointment
    • high-need specialists (cardio/endo/rheum/nephro/pulm)
    • imaging (MRI/CT)
    • procedures
  • Are there reliable private options if public wait times are long and you can afford it?

Questions to ask and answer:

  • “How long does it take to establish with a primary care provider as a new resident?”
  • “Do specialists require referrals?”
  • “What is the average wait time for [specialty] in this region?”
  • “If wait times are long, what private options exist and what do they typically cost?”

2) Medication security

Goal: Your meds are available, affordable, and refillable without drama.

Must confirm:

  • Your medication is available by generic name, not just brand (brands vary)
  • The local formulary includes it OR a clinically appropriate equivalent exists
  • Refill rules:
    • how many days per fill (30/60/90)
    • whether refills require a local prescriber
    • whether you can refill early for travel
  • Pharmacy reliability:
    • stock consistency (especially outside major cities)
    • ability to order
  • Cold chain (if needed): consistent refrigeration and pharmacy handling
  • For controlled substances: local prescribing rules (often strict), and availability

What to build (template): “Medication Master List”

  • Generic name + dose + form (tablet, pen, injection)
  • Why you take it (diagnosis)
  • What happens if you miss doses (risk)
  • Acceptable substitutes (your clinician can list)
  • Pharmacy notes: storage requirements, device supplies, needles, test strips

3) Coverage and costs (the part that breaks plans)

Goal: You understand exactly how you’ll pay for care as a non-citizen.

Must confirm:

  • Are you eligible for the national system? If yes, when (immediately vs after residency period)?
  • If private insurance is required:
    • does it cover pre-existing conditions?
    • are there waiting periods?
    • are outpatient meds covered or only inpatient?
    • are there caps/exclusions for chronic disease?
    • do premiums jump at certain ages?
  • What’s your realistic annual exposure in a bad year:
    • specialist visits
    • labs/imaging
    • urgent care/ER
    • hospitalization

Include a “worst-month budget” scenario:

  • Month where you need: 2 specialist visits + labs + imaging + med refills + urgent care
    If a destination can’t survive the worst month, it’s not a fit.

4) Systems, records, and clinical communication

Goal: Your history doesn’t get lost in translation.

Must confirm:

  • Can you access your own records easily (patient portals, printouts)?
  • Can foreign medical records be used to establish diagnoses and ongoing prescriptions?
  • Do clinicians commonly speak your language in clinical settings, or can you access medical interpreters?
  • Will you need documents translated (and if so, what format is accepted)?

What to prepare before leaving:

  • Problem list, medication list, allergies, surgeries
  • Recent clinic notes for key conditions (last 12–24 months)
  • Recent labs and imaging reports
  • Immunization history
  • Advance directives/medical power of attorney equivalents (country-specific later)
  • A one-page “clinical summary” you can hand to any new doctor

5) Monitoring infrastructure (often overlooked)

Chronic care isn’t just doctors. It’s the network around them.

Must confirm availability of:

  • routine labs (A1c, CMP, lipid panels, INR, etc.)
  • imaging access (ultrasound, CT/MRI)
  • rehab/physical therapy
  • mental health services and medication management
  • durable medical equipment (CPAP supplies, glucose monitors, test strips, oxygen, mobility aids)
  • home health options if mobility declines
  • dentistry and vision care (often separate systems but crucial)

6) Emergency readiness

Goal: You can get urgent care fast, reliably, where you actually live.

Must confirm:

  • emergency number and ambulance reliability
  • distance/time to a hospital with strong emergency services
  • whether your nearest hospital is full-service or limited
  • if you live outside a major city: where the “real” hospital is, and how you’ll get there
  • disaster risks that could interrupt care (storms, heat waves, power outages)

Include a “Two-Hospital Rule”:

  • Identify one preferred hospital and one backup hospital before signing a lease.

7) Housing and location strategy (health-first, not tourism-first)

Goal: Your home supports your health.

Must confirm:

  • walkability to pharmacy, clinic, groceries
  • elevator access if stairs become hard later
  • climate realities for your condition (heat/humidity can be as limiting as winter)
  • transit/taxi reliability for flare-ups or low-energy days
  • safe, well-lit routes if you’ll be out alone

Red Flags

A destination is a poor fit if:

  • you cannot confirm med availability and refill rules before arrival
  • specialists exist only in the capital and you plan to live far away
  • waitlists are long and private alternatives are unaffordable
  • emergency response is inconsistent in your target neighborhood/region
  • insurance options exclude pre-existing conditions or limit outpatient chronic care
  • pharmacies routinely stock out essential meds or devices
  • language barriers prevent safe, confident clinical communication
  • Black women report consistent bias in healthcare or housing in ways that would affect care access or safety

Destination Fit Criteria (weight system)

What this “weighting” is

This is a simple way to rank destinations for the Chronic Care Planner based on what matters most for staying healthy abroad.

Instead of asking “Which country is best?”, you’re asking:
“Which country is best for my chronic care needs?”

The weights show which factors should count more in the decision.

Core score categories

  1. Specialist access (density + wait times)
  2. Medication security (availability + refill rules + pharmacy reliability)
  3. Affordability in a bad year (worst-month survivability)
  4. Emergency readiness (ambulance + hospital quality + distance)
  5. Care continuity (how easy it is to establish ongoing care)
  6. Language and communication safety (interpreters, clinician fluency, clear instructions)
  7. Infrastructure support (labs, imaging, DME, rehab, mental health)

Weighting suggestion (for this archetype)

  • Medication security: 25%
  • Specialist access: 20%
  • Affordability in a bad year: 20%
  • Emergency readiness: 15%
  • Care continuity: 10%
  • Communication safety: 5%
  • Support infrastructure: 5%

(You can adjust weights based on your condition.)

Empty Nest Joy

because an emoty nest does not equate to an empty life

Chronic Care Planner Tool

How to score destinations (without choosing on vibes)

This system helps you compare countries and cities based on what keeps your care stable. You score each area from 0–5, then the weights make sure the most important categories count the most.

Step-by-step
  1. Pick a destination (a country/city or region).
  2. Score each category 0–5 using the scale below.
  3. Apply the weights so medication, specialist access, affordability, and emergency readiness drive the final fit.
  4. Compare totals across your shortlist. Higher score = better fit for the Chronic Care Planner.
0Not available / unsafe
1Weak / hard to access
2Inconsistent
3Workable
4Strong
5Excellent / reliable
Quick example: If a place is beautiful but your medication is unreliable, it can’t “win” the score. The weights protect you from choosing a risky destination that looks good on social media.
Weighting for this archetype
Medication security 25%
Specialist access 20%
Affordability in a bad year 20%
Emergency readiness 15%
Care continuity 10%
Communication safety 5%
Support infrastructure 5%
How to interpret your results: If a destination scores high overall but has a low score in Medication security or Emergency readiness, treat that as a warning. For the Chronic Care Planner, the safest shortlist is the one that stays reliable in the “bad month,” not the best month.

Empty Nest Joy

because an emoty nest does not equate to an empty life

Chronic Care Planner Destination Scoring Sheet (Printable)

Score each category from 0–5. Multiply by the weight (or just use it as “importance” guidance). Compare totals across destinations.

Destination (Country/City/Region)
Your top 2 risk points (what cannot break)
Category Weight Score (0–5) Notes (what you confirmed)
Medication security (availability + refill rules + reliability) 25%
Specialist access (density + wait times in your region) 20%
Affordability in a bad year (worst-month survivability) 20%
Emergency readiness (ambulance + hospital quality + distance) 15%
Care continuity (how easy it is to establish ongoing care) 10%
Communication safety (language access, interpreters, clarity) 5%
Support infrastructure (labs, imaging, DME, rehab, mental health) 5%
Total score (optional)
Deal-breakers found?
Next step

Rule of thumb: If Medication security or Emergency readiness scores low, treat that as a warning. For the Chronic Care Planner, the safest shortlist is the one that stays reliable in the “bad month,” not the best month.

Empty Nest Joy • Chronic Care Planner Tool • Print: Browser Print → Save as PDF
Tip: In the print window, choose “Save as PDF” to download.

Belonging & Cultural Safety Check (built for Black women)

This is not “political.” It’s practical risk management.

Include prompts like:

  • What do Black women report about being believed, taken seriously, and treated respectfully in clinical settings?
  • Are there patterns around pain management skepticism, dismissiveness, or “tone policing” in care interactions?
  • Is there access to dermatology familiar with darker skin, and hair/skin products that support scalp health and protective styles?
  • Are there neighborhoods where you can live normally without hyper-visibility, profiling, or isolation?
  • If a friend or advocate needs to attend appointments with you, is that culturally normal and allowed?

Action Plan Module (step-by-step)

Before you shortlist (Week 1)

  • Build your Medication Master List (generic names + substitutes)
  • Identify your “top 2 risk points” (ex: insulin + endocrinology access)
  • Set your worst-month budget number (what you can truly absorb)

Before you move (30–60 days out)

  • Request records and create your one-page clinical summary
  • Confirm medication availability in your top 2 locations (at least 2 pharmacies)
  • Confirm how you’ll legally access care (public eligibility timing vs private plan)
  • Choose a location using the Two-Hospital Rule
  • Choose your emergency plan:
    • local ER plan
    • backup hospital plan
    • medevac plan only if it makes sense for your risk level and location

Your “Medical Go-Bag” (ready-to-print list)

  • printed clinical summary (2 copies)
  • medication list with generic names and doses
  • 90-day supply (when possible) + proof of prescriptions
  • key lab/imaging summaries
  • allergy list
  • emergency contacts + local emergency numbers
  • device supplies (test strips, needles, sensors, chargers)
  • small cooler bag if needed for temperature-sensitive meds (travel days)

First 30 days after arrival

  • establish primary care
  • confirm specialist pathway and get first appointment on the books
  • map two pharmacies + refill process
  • locate preferred hospital + backup hospital in your phone maps
  • confirm how you’ll access urgent care after hours

First 90 days

  • complete baseline labs and preventive care
  • lock in a repeatable refill rhythm
  • build your “flare-up plan” (what you do when symptoms spike)
  • Identify a trusted local advocate/contact who can support you if you’re unwell
Real life, not theory

How the Chronic Care Planner “fits” a destination

These mini examples show how to prioritize what matters most before you fall in love with a view, a climate, or a viral “retire here” list.

Example A Diabetes + insulin + CGM

When your care depends on consistent supplies

Priority checks
  • Cold-chain reliability for insulin (storage and pharmacy handling).
  • CGM + supplies availability (sensors, transmitters, test strips, lancets).
  • Endocrinology access and realistic appointment wait times.
  • Predictable refill rules (30/60/90-day fills, early refills for travel).
Example B Autoimmune + biologics

When treatment is specialized and time-sensitive

Priority checks
  • Infusion/injection center access in your actual region (not just the capital).
  • Consistent specialty prescribing (rheumatology/immunology) and follow-up cadence.
  • Authorization equivalents (how approvals work for non-citizens, timelines, paperwork).
  • Stable supply chains so doses aren’t delayed or substituted unexpectedly.
Example C CHF / CKD

When emergency readiness is part of the plan

Priority checks
  • Cardiology + nephrology density and access to routine follow-ups.
  • Lab access for monitoring (BMP/CMP, electrolytes, eGFR) without long delays.
  • Emergency readiness (ambulance reliability + hospital capability nearby).
  • Affordability in high-utilization months (the “bad month” budget test).

Tip: If a destination can’t meet these priority checks for your situation, it’s not a “maybe.” It’s a no until the system proves otherwise.


If you’re managing chronic care, the goal isn’t to find a “perfect” country. It’s to find a place where your care can stay stable without constant friction. Use the checklist to screen destinations before you commit, and use the scoring sheet to compare your shortlist with clarity. When the systems are solid, you get your life back. That’s the point.

Next: Download the Chronic Care Move Abroad Checklist, then score your top 3 destinations before you sign a lease.