Affordable insurance for full timer in S.D.
We received our letter requesting proof of residence today from South Dakota, Sanford Health plan, they request 2 forms of proof that we have been residence for 9 months. We do our banking , have dri...
Forum Discussion
Hello fellow RVers...
Someone emailed me about this conversation going on so I figured I should chime in since my comments at RVerHealthInsurance are being referenced.
First, what Rice says about Multi-state plans is spot-on. MSP does not indicate a plan as having a nationwide multi-state network of providers. These MSPs are in their phase 1 experimental stage and the carriers involved in it now are not committed to it. At this point I would not give any extra consideration to a MSP over a non-MSP plan.
As for Avera, I'm not sure what else to add beyond what my brief article states about Avera's changed policies. I have confirmed three times with this managing individual at Avera (whom also confirmed it with her supervisor) that:
1. You can enroll with just a mail-forwarding address if you are resident of South Dakota
2. You can access the PHCS Multiplan network outside of SD even for non-emergency routine care.
However, like many of you I am still concerned that this change in policy is apparently not being shared with everyone at Avera.
I'm giving them the benefit of the doubt simply because of the magnitude of changes they, like all insurance companies, are having to adjust to. I can say that I have heard from a few people whom have used their Avera outside of SD for non-emergency care without problems in 2014.
My advice to most people is to not make any drastic changes to your health insurance in 2014 if you do not have to. If you have to and you can still choose a state...Texas wins in my opinion right now. But, if you have already settled in SD and you qualify for a large subsidy, then Avera is really your only PPO option on the exchange. I just hope it plays out like I've been told it will.
As a disclaimer: Although I am licensed in SD and contracted to offer Avera Health plans on and off the exchange, I am not an employee of or representative of Avera Health Plans. I am an independent insurance broker and a full time RVer.
Someone emailed me about this conversation going on so I figured I should chime in since my comments at RVerHealthInsurance are being referenced.
First, what Rice says about Multi-state plans is spot-on. MSP does not indicate a plan as having a nationwide multi-state network of providers. These MSPs are in their phase 1 experimental stage and the carriers involved in it now are not committed to it. At this point I would not give any extra consideration to a MSP over a non-MSP plan.
As for Avera, I'm not sure what else to add beyond what my brief article states about Avera's changed policies. I have confirmed three times with this managing individual at Avera (whom also confirmed it with her supervisor) that:
1. You can enroll with just a mail-forwarding address if you are resident of South Dakota
2. You can access the PHCS Multiplan network outside of SD even for non-emergency routine care.
However, like many of you I am still concerned that this change in policy is apparently not being shared with everyone at Avera.
I'm giving them the benefit of the doubt simply because of the magnitude of changes they, like all insurance companies, are having to adjust to. I can say that I have heard from a few people whom have used their Avera outside of SD for non-emergency care without problems in 2014.
My advice to most people is to not make any drastic changes to your health insurance in 2014 if you do not have to. If you have to and you can still choose a state...Texas wins in my opinion right now. But, if you have already settled in SD and you qualify for a large subsidy, then Avera is really your only PPO option on the exchange. I just hope it plays out like I've been told it will.
As a disclaimer: Although I am licensed in SD and contracted to offer Avera Health plans on and off the exchange, I am not an employee of or representative of Avera Health Plans. I am an independent insurance broker and a full time RVer.
