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

 > Need Help on how to get health insurance while traveling

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Rice

Wandering

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Joined: 06/21/2003

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Posted: 05/15/19 12:40pm Link  |  Quote  |  Print  |  Notify Moderator

allen8106 wrote:

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

They don't offer major medical insurance that has access to a nationwide network, which is what fulltimers want.

Katy19

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Joined: 09/15/2018

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Posted: 06/04/19 01:06pm Link  |  Quote  |  Print  |  Notify Moderator

Hello, we have Kaiser in northern Californian through the ACA. We used to use BC but they changed from a decent PPO to a terrible EPO that forced all local care to be done at the local very $$$ hospital. We used to be able to drive 40 minute to Reno, NV and get reasonable care. We changed to Kaiser and use a family members address. We recently sold our home so we are also mobile in the RV or in Mexico.

Our plan has a high deductible and we now also buy a annual travel insurance policy. I dont care about travel reimbursement but it also gives us 50,000 in health insurance. SInce we ski all winter, being without insurance coverage is not a good idea. Kaiser covers us in an emergency. I figure if its not a big enough emergency and they want us back in California, 50,000 is enough to cover stabilization, imaging and some testing.

When I communicated with Kaiser regarding coverage, I did it through email so i can keep all the correspondence in my records. The travel insurance is through DAN. Divers Alert Network. I also have their dive insurance (different plan) put it is not required if you just want to buy the travel ins. policy. We have not used it yet. I plan on usually paying cash or cc then submitting it for reimbursement. We are 58 and 59 yrs old. We pay 500/yr.

I was in direct healthcare for 25+yrs. We used to get an occasional patient that an insurance company would state was not “critical enough” and would require them to go home for treatment after they were stabilized. You could look for different travel insurance plans. World Nomads is another one.

Rice

Wandering

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Joined: 06/21/2003

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Posted: 06/15/19 09:55am Link  |  Quote  |  Print  |  Notify Moderator

Katy19 wrote:

The travel insurance is through DAN. Divers Alert Network. I also have their dive insurance (different plan) put it is not required if you just want to buy the travel ins. policy. We have not used it yet. I plan on usually paying cash or cc then submitting it for reimbursement. We are 58 and 59 yrs old. We pay 500/yr.

I found their website, and of course it doesn't have many details. Is incurring the expenses and submitting for reimbursement how the plan works? It could be, since they may not care how much you're paying as long as there's a cap on what they'll have to pay, and if you run up an unnecessarily large bill, that's not their problem.

Also, do you know what your policy defines as a "trip"? The website said it had to be more than 100 miles from home, which is no problem because one's regular insurance would cover the stuff close to home. But I'd want to be sure that being away from "home" for a year or more at a time would still be considered a "trip."

I'll also note that it excludes coverage for pre-existing conditions.

But I'm thinking that for people in a state that has Ambetter EPO policies (18 states), an arrangement like this might be an option, assuming a person has access to Ambetter's network in whichever states it operates, regardless of which state the policy was issued in. I don't know.

And Ambetter doesn't offer any out-of-network coverage at all, but then again neither do HMOs. At least with Ambetter, there might be options other than going to your home network, if all states where Ambetter issues policies are considered in-network.

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