Full time health insurance options for 2018

[C-Cat]

Hi all,

I'm a "newly" Arizona resident, with "an address" in Flagstaff, but actually full timing and mostly boondocking (this state has a lot of options for that  ). I'm looking for my options to get health insurance coverage for 2018 (with enrollment now being open until December 15th). Any suggestions?

-Chris (C-Cat)

 

[4x4sporty]

Don't mean to hijack your thread but this is one of the main reasons I joined this forum. I saw Bobs youtube video on health insurance and had never even thought about difficulties of getting basic health care while on the road.
I have been reading on it for a week and am more confused than ever. HMO PPO HSAs and others. Does anyone know of any plan that will allow you to go to the doctor anywhere you want with no referral ? Any help would be appreciated.
This and getting rid of everything we own are our 2 major hurdles we have to clear to take the plunge in to this lifestyle.

 

[John61CT]

I know foreign travellers with international health insurance need to pay 4-5x more when coming to the US, I believe in the neighborhood of a grand a month depending on age.

But many tourist-oriented plans (as opposed to expat/business oriented) have time limits for how long you're away from "home".

Always read the fine print and do please report back here.

 

[4x4sporty]

I am paying 860.00 a month for my current Blue Cross policy which will have to change for me to be able to pull this off!

 

[Kia girl]

I am paying 860.00 a month for my current Blue Cross policy which will have to change for me to be able to pull this off!

Same here with blue cross. Then add deductibles and copayments and it adds up even more.


Sent from my iPad using Tapatalk

 

[SondraRose]

You may find this post helpful:
http://wheelingit.us/2017/10/31/health-insurance-time-2018-considerations-for-pre-medicare-rvers/

 

[4x4sporty]

Thanks for that link. That was the most helpful thing I have seen so far!!

 

[bigskybob]

All I can recommend is to vote for politicians who are in favor of universal health insurance.

 

[Hoot]

Fwiw, the single best insurance person I've ever had contact with is Kyle Henson of rverinsurance.com, learned about him from Escapees' site. I'd recommend a look at his site, good explanation/overview of insurance options, ACA as well as Medicare supplemental coverages.

 

[4x4sporty]

Fwiw, the single best insurance person I've ever had contact with is Kyle Henson of rverinsurance.com, learned about him from Escapees' site. I'd recommend a look at his site, good explanation/overview of insurance options, ACA as well as Medicare supplemental coverages.

Kyle will be leaving rverinsurance Dec 15th .

 

[Hoot]

Kyle will be leaving rverinsurance Dec 15th .

4x4sporty, big thank you! for letting me know.  If it's a private matter I respect that, no need respond further.  Otherwise I'd appreciate hearing if you know any background/why he's leaving or where he's going.  He and his site's articles were hugely helpful to me in deciding my best choice on the many Supplemental options with Medicare. Gave much better clarity for me than other sites and insurance reps. Apparently he was held in high regard from any Escapees' member posts I read.  Certainly the same in my experience.

 

[4x4sporty]

I really wish I could find someone who knew all the options. I have been reading every spare minute and It looks like the lack of health care at an affordable price is going to keep us from going full time.
My wife and I both have preexisting conditions so open market health care is out of the question and I have yet to find a state with a PPO option on ACA website.

 

[4x4sporty]

Ok I have learned that PPO plans are a thing of the past. I have also learned that EPO plans are the next best thing and Florida and Texas are the only 2 states I have found them in on ACA website The plans for TX that I found do not cover out of network for all things and the Florida plans that I have found do allow for No referral Out of Network coverage for most things (specialist- drugs- test -etc) but they have 50% co-insurance after deductibles are met.
I was also surprised to see that different Zip codes have different plans available.

IF ANYONE KNOWS OF A STATE WITH EPO PLANS THAT HAVE LESS THAN 50% CO-INSURANCE FOR OUT OF NETWORK CARE PLEASE POST HERE!!!!!!!!!! ALONG WITH THE ZIP CODE

Thanks for your Help in advance

 

[akrvbob]

I think the best way around it is to chose your state based on location so that you can get back to your insurance network reasonably easy. That's a big part of why I chose Nevada, since it is central to all the western states where I spend my time.

They all pay for emergency care anywhere. That means they will cover you until you're stabilized and then you have to get back to your state of residence.

Most of my travels are within a days drive of Nevada and my entire winter is very close--so that works for me. If I spent my time on the east coast, I'd think about Tennessee or Florida.

 

[C-Cat]

All these cuts mean that it's probably best (at least for my wife and me) to just get the most basic bronze coverage (for catastrophic situations) and expect to pay for all other stuff out of pocket (and go to Los Algodones for meds, vision and dental). This is such a sad state of affairs...

 

[DangerBird]

If you are a resident of Arizona (other states may have similar plans) and make less than $1300 a month gross as a single person or $1800 gross a month as a couple, you would qualify for the state medicaid program. It is 100% free with no co-pays or premiums including any medications. They look strictly at income and not assets. You are also covered nationwide but need to go thru any ER for treatment. This is only medical and does not cover Dental or Vision.

-Mike

 

[4x4sporty]

Bob I saw your video on youtube about Insurance that is what started this panic. I had not even thought about health care. We were so caught up in the fact that the stars had aligned for us to pull this off and 10 years sooner than we had planned.
Our plan was to spend the first year or two  filling in all the places we hadn't yet visited mostly north in the summer and then back out west for the winter with a month or so back here in KY.
My wife and I both have health issues hence my hesitation of starting such and all over the map journey without nationwide coverage.
After the first year or 2 we were gonna try the campground host gig.
So now I am thinking we just do hosting in the places we want to visit for a season and do some exploring in our off time and get health care in that state for the 5-7 months we are there and then switch states for the other 5-7 months.

 

[rm.w/aview]

Paying nearly $1K per month just in case something happens is maddening. With an income slightly above the requirements for state aid yet below what many consider "comfortable", will Remote Area Medical become our go to in the near future?

 

[rm.w/aview]

To the mods, I'm sorry... could you delete my posts in this thread. In retrospect, it's not on topic and certainly not helpful to the OP. I wish to honor the integrity and desires of the mission of this forum, so please delete, no hard feelings, honestly

 

[WalkaboutTed]

I'm lucky that, through my late husband, I have insurance that covers me everywhere in the world. My current husband has a PPO that covers him only in Arizona. But, it also covers virtual visits anywhere in the US, where they'll even prescribe medications online (mine does too). That might be something to consider-so check if that's available with any insurance plans that you might be considering.
Ted