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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Merrykalia

Appalachian (apple at chun) Mtn in the GREAT SW Va

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Posted: 04/08/19 07:55pm Link  |  Quote  |  Print  |  Notify Moderator

I'm going to offer my thoughts about this. Your policy probably will cover "emergencies" in any state and that will include any surgical procedures that are required for that emergency and possible hospital stay. It will not, however, cover any elective surgical procedures or non-emergency doctor visits - therefore, no doctor visits for routine matters or prescription refills, etc.

I could be completely wrong on this, but we had a problem with ours a couple of years ago when we were out of state and one of my daughters developed a UTI. They told me we had to bring her back to Virginia to see a doctor - they looked up the closest one and it was a 12.5 hour drive. We declined and I asked to speak to her supervisor. We got it cleared up pretty quickly.


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luvmydogs

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Posted: 04/08/19 07:59pm Link  |  Quote  |  Print  |  Notify Moderator

Really? They paid for it? You've got a dream insurance company then. Most we have had its a hope and a prayer you get anyone to talk to who knows anything, and then they read you the rules like it was law, and they wont bend anything. Whatever makes them money. Your very lucky.

STBRetired

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Posted: 04/08/19 08:56pm Link  |  Quote  |  Print  |  Notify Moderator

We have Blue Cross Blue Shield and they cover us anywhere in the US. They pay for any medically necessary procedures wherever we are. It's a PPO so we need to use "in network" providers, but there are lots everywhere. We are in Mobile Alabama at the moment and there are 470 different doctors we can use within 20 miles of our current location. It's a bit pricey, but until Medicare kicks in it is what we use.


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TechWriter

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Posted: 04/08/19 09:02pm Link  |  Quote  |  Print  |  Notify Moderator

luvmydogs wrote:

We are going to be in at least 4-6 states. My insurance now is thru ACA but there is nothing I can find that will cover me no matter what state I'm in.

First, read this SEP FAQ.

Second, use www.healthsherpa.com to find health insurance plans.

You have options.


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Gulfcoast

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Posted: 04/08/19 10:20pm Link  |  Quote  |  Print  |  Notify Moderator

If you can find a reasonable plan until you get on Medicaare, there's some good options then.

HadEnough

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Posted: 04/08/19 10:28pm Link  |  Quote  |  Print  |  Notify Moderator

TechWriter wrote:

HadEnough wrote:

You have to enroll by a certain date in a certain state, I'm a full-time traveler. I'm a lot more of a citizen of the United States than of my certain state where everything is registered.

If you have insurance through the ACA, then this isn't true. The ACA has SEP (Special Enrollment Period) for people who have special conditions -- Moving is one of these.

Being out of state for 6 months should qualify you for a SEP. If so, you would enroll in a health plan in the state where you're staying.


Thanks for that tip. Good to know.
Unfortunately we don't stay anywhere. We need something national.

wanderingaimlessly

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Posted: 04/09/19 05:16am Link  |  Quote  |  Print  |  Notify Moderator

HadEnough wrote:

luvmydogs wrote:

The only thing my insurance covers out of state is emergency room. Well that's great but if its something that needs surgery or if you have a stroke or something, that emergency room coverage wont cover it.


Looking forward to an answer. This is a great question you brought up. I am stuck without any insurance because nothing works. You have to enroll by a certain date in a certain state, I'm a full-time traveler. I'm a lot more of a citizen of the United States than of my certain state where everything is registered.


Not sure what states you tend to stay near or around, but if out west I have spoken to some that use Nevada as a domicile due to insurance. The State Univ as a primary gives them branch offices in Las Vegas, which is within a couple hours drive of where they tend to winter, and the northern ones in Reno, Winnemucca or Wels are within a couple hours drive of the areas where they spend their summers.

Scottiemom

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Posted: 04/09/19 05:54am Link  |  Quote  |  Print  |  Notify Moderator

I'm wondering if you could buy a "travel insurance plan" through something like AAA. What do people from CT who go on cruises do? Normally they could buy travel insurance for the time they are gone. Before we were Medicare age, we had an insurance policy through my former employer. When I retired, I was able to keep the policy. . . I had to pay for it, but it was a great plan.

Do you not have any options for other health plans besides the one you are on? Perhaps you could upgrade to a plan that allows some travel.


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luvmydogs

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Posted: 04/09/19 08:05am Link  |  Quote  |  Print  |  Notify Moderator

Problem is with ACA and ALL insurances us YOU NEED AN ADDRESS. We are selling the house and until we find another we wont have an address. They make it very difficult in this country to survive without a physical address.Thank you all for your ideas, especially Tech writer for the links and STBRetired. I will check blue cross. But what do you do for an address, unless you own a house somewhere.

Merrykalia

Appalachian (apple at chun) Mtn in the GREAT SW Va

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Posted: 04/09/19 11:28am Link  |  Quote  |  Print  |  Notify Moderator

luvmydogs wrote:

Problem is with ACA and ALL insurances us YOU NEED AN ADDRESS. We are selling the house and until we find another we wont have an address. They make it very difficult in this country to survive without a physical address.Thank you all for your ideas, especially Tech writer for the links and STBRetired. I will check blue cross. But what do you do for an address, unless you own a house somewhere.


Until you establish yourself in another state or even country, your "residence" is still in CT. People who rent don't own property, but they are still residents.

There are many mail-delivery services that will give you a "residence" and accept mail and deliveries for you and then forward it to you.

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