Good Sam Club Open Roads Forum: Need Help on how to get health insurance while traveling
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 > Need Help on how to get health insurance while traveling

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luvmydogs

Ct

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Posted: 04/27/19 06:42pm Link  |  Quote  |  Print  |  Notify Moderator

Thank you Rice for all the info. We are in Colorado but getting ready to leave. So are you saying for health insurance your mail service address is enough for these companies? I'd thought we tried that a few years ago and the first one to complain were the banks. They seemed to know it was a mail service and said it was not good enough. We do use a mail service in Florida. Maybe we'll try to see if it would work for a Fla Blue policy.

Not alot of people think about the fact that when they are on vacation or traveling, THEY ARE NOT COVERED. I think its just when you get older you worry about that stuff more, although I think the system in this country is pretty poor that you only get covered in your home state, weather you have one or not. Its sad!!!!

Rice

Wandering

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Posted: 04/30/19 11:04am Link  |  Quote  |  Print  |  Notify Moderator

luvmydogs wrote:

Thank you Rice for all the info. We are in Colorado but getting ready to leave. So are you saying for health insurance your mail service address is enough for these companies? I'd thought we tried that a few years ago and the first one to complain were the banks. They seemed to know it was a mail service and said it was not good enough. We do use a mail service in Florida. Maybe we'll try to see if it would work for a Fla Blue policy.

Different companies have different rules on what is an acceptable address for their purposes. One bank may accept a given address while another won't. And a bank can change its policy, and no longer accept what they used to accept.

As stated frequently in these forums, health insurance is based on where one resides. Where they reside is obvious for the vast majority of people--it's their home. And it works for them because they use local providers for their health care.

This scheme is a problem only for traveling fulltimers who change their residence too frequently to be able to get new health insurance in each new place they reside.

In the case of people who alternate between two residences (e.g., snowbirds), ACA documents tell them they can switch their plan when they move (but deductibles and out-of-pocket maximums reset when plans are changed), but they might be better off getting a plan with a nationwide network that covers them wherever they are.

Traveling fulltimers differ in that they have many residences instead of just two. The ACA doesn't address their situation, but if you insert their facts into the advice given to snowbirds, traveling fulltimers should get a plan that covers them wherever they are. The sticking point is where that plan should be based. It seems to me that the fulltimer's domicile is the only practical answer. Now, what constitutes domicile is a completely different subject.

I'm not sure what your situation is, but to change your insurance at this point, you'll have to qualify for a special enrollment period, so it's not a matter of deciding you want to have insurance in X state and getting a policy there.

In fact, if the Anthem/Blue Cross policies in Connecticut do indeed have access to the Blue Cross nationwide network, you can't switch to that from the plan you have now without a qualifying move to a new residence.

luvmydogs wrote:

Not alot of people think about the fact that when they are on vacation or traveling, THEY ARE NOT COVERED.

But they are covered in an emergency, and that's really the only time a non-fulltimer would seek out medical care away from home. For routine care, they see their doctors in their hometown.

lbrjet

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Posted: 05/05/19 01:26pm Link  |  Quote  |  Print  |  Notify Moderator

Rice,

Used to be covered in an emergency. Starting in 01/17 BCBS ACA HMO plans only cover when you are in the emergency room. Get admiited to the hospital upstairs and your coverage ends. That is what happened in AZ anyways, CT was probably the same. I was on ACA plans from 2014-2018. Started with great PPO plans and they went away in 2016. Prices tripled in those 5 years and I ended up going back to work just to get off the crazy train.


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luvmydogs

Ct

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Posted: 05/05/19 03:47pm Link  |  Quote  |  Print  |  Notify Moderator

It's sad, isn't it?

RGar974417

Robesonia,Pa 19551

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Posted: 05/05/19 06:59pm Link  |  Quote  |  Print  |  Notify Moderator

Imbriaco wrote:

Very, very, very limited options outside of an employer sponsored plan. And what so many people don’t seem to realize, if not for the affordable care act, there would be even less AND they would be way more expensive.

I spent my career in healthcare. The commercial insurance industry and capitalism isn’t and will never be a viable option. At least from the consumers perspective


Wow! Our insurance was affordable before the Affordable Care Act.Afterwards it went way up for everyone I know. My cousin and her husband, both self employed could no longer afford it and went with one of the Christian Healthcare options.Our out of pocket went up to $7,000. As others have said,politicians always crews things up. But as to the OP's delema,I remember buying special medical coverage when traveling outside the US.I did a short search and found several sites that offer insurance both inside and outside the country. I didn't look at costs but plans are out there like this one:https://www.gninsurance.com/travel-insurance-inside-the-usa/

luvmydogs

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Posted: 05/05/19 09:33pm Link  |  Quote  |  Print  |  Notify Moderator

I just want coverage in our states. I wouldn't dream of having any in another country when we cant even cover our people in our own continent.

Rice

Wandering

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Posted: 05/06/19 09:04am Link  |  Quote  |  Print  |  Notify Moderator

lbrjet wrote:

Used to be covered in an emergency. Starting in 01/17 BCBS ACA HMO plans only cover when you are in the emergency room. Get admiited to the hospital upstairs and your coverage ends. That is what happened in AZ anyways, CT was probably the same.

I've always been uneasy about what would happen in the case of an emergency while traveling. Obviously the emergency room would be covered, but I've never found anything even remotely definitive on what happens after that--like when the "emergency" ends. Worse, I assumed it was up to the insurance company to deem when the emergency ends, and they have a financial dog in that fight.

That's one reason I've always thought having some of out-of-network coverage is important--so there's an insurance company to at least be involved in fighting it out with the providers, even if the insurance company isn't really on your side. But out-of-network coverage is becoming increasingly hard to get.

But like I said, I think Connecticut might be one of the states that does have an ACA plan with a nationwide network. If so, it's apparently not the one the OP chose (understandable, since Blue Cross insurance tends to cost more than other providers), which is causing the current predicament.

RGar974417 wrote:

But as to the OP's delema,I remember buying special medical coverage when traveling outside the US.I did a short search and found several sites that offer insurance both inside and outside the country. I didn't look at costs but plans are out there like this one:https://www.gninsurance.com/travel-insurance-inside-the-usa/

In the one you linked to, it appears that the pre-existing condition exclusion means only that they won't pay for treatment of that condition, and not that you are prohibited from getting the policy at all. That's encouraging, and could be a good option.

Ro"n"Joe

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Posted: 05/12/19 12:23pm Link  |  Quote  |  Print  |  Notify Moderator

We're going to set up our domicile with MyRVMail in Crestview, FL this summer. I called concerning ACA PPO plans and they are still available in the area.


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Rice

Wandering

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Posted: 05/13/19 08:16am Link  |  Quote  |  Print  |  Notify Moderator

Ro"n"Joe wrote:

We're going to set up our domicile with MyRVMail in Crestview, FL this summer. I called concerning ACA PPO plans and they are still available in the area.


Just because a plan is a PPO doesn't mean it has a nationwide network, and that's what fulltimers need. I ran across this a couple of years ago, where there were PPOs (yay!) that turned out have only a local network (boo!). It took some digging to get the details on the extent of the network.

In Florida, if you go with a Blue Cross PPO (as opposed to their HMO plans), you'll have access to their nationwide network. But in other states or with other insurance companies, it's imperative to investigate how broad the network is, and not just whether it's a PPO.

allen8106

Burrton. KS

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Posted: 05/15/19 12:04pm Link  |  Quote  |  Print  |  Notify Moderator

Check out the Escapees club. I believe they offer some plans for full timers.


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