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MedCad
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Mar 06, 2023

F/T RVer Health Insurance - Feedback

Anyone have experience with getting private nationwide health insurance from rverinsurance.com and the broker/agent Mike Neighbours? (private - not Obama Care / ACA)

Specifically health insurance issued by New Era Insurance and its Philadelphia American Insurance. Question is, when the day comes to file a claim do they pay out or jerk you around?

thanks in advance

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  • Rice's avatar
    Rice
    Explorer III
    Mar 16, 2023
    MedCad wrote:
    Anyone have experience with getting private nationwide health insurance from rverinsurance.com and the broker/agent Mike Neighbours? (private - not Obama Care / ACA)

    Specifically health insurance issued by New Era Insurance and its Philadelphia American Insurance. Question is, when the day comes to file a claim do they pay out or jerk you around?

    What do you mean "private" health insurance? ACA policies purchased on the Obamacare Exchange are private health insurance--the Exchange is merely a way to buy one and apply a subsidy if you qualify for one. My experience is that any plan you buy on the Exchange can be bought directly from the company, the only difference being that if you buy it directly from the company rather than on the Exchange you can't receive a lowered premium due to a subsidy.

    So I'm curious about what "private" health insurance is. Is this a term your agent used?

    What I suspect is that the policy you're looking at is not health insurance, but instead an indemnity plan. Indemnity plans might work for a given person, but there's a lot of history of people buying them without understanding exactly what it is they're buying.

    If you're looking at a fixed benefit indemnity plan, you should read this:
    https://www.brookings.edu/blog/usc-brookings-schaeffer-on-health-policy/2020/08/04/fixed-indemnity-health-coverage-is-a-problematic-form-of-junk-insurance/

    If you're looking at short-term limited duration health insurance, you should read this:
    https://files.kff.org/attachment/Issue-Brief-Understanding-Short-Term-Limited-Duration-Health-Insurance

    With regard to Philadelphia American Insurance, here's a lengthy discussion about it. It veers a little in the middle when an insurance salesman jumps in claiming to offer exactly what traveling fulltimers want (major medical insurance with a nationwide network), only it turns out not so much. But at the end of the thread, somebody shows up with what he found out when considering and researching a fixed indemnity plan with Phildalephia America.

    https://www.rvnetwork.com/topic/138198-rver-insurance-exchange-health-insurance/
  • Ro_n_Joe's avatar
    Ro_n_Joe
    Explorer II
    Mar 12, 2023
    We had both and would suggest going elsewhere. Wouldn't pay for a flu shot and DW's female tests. If you have an existing med issue, they won't cover anything for the 1st yr of coverage.
    Didn't work with Mike Neighbours
    Good luck

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992px) {\n padding-bottom: $theme-space-base;\n }\n\n &.footer-terms-order-1 {\n order: 1;\n }\n\n &.footer-terms-order-2 {\n order: 2;\n }\n }\n}\n\n.footer-bottom {\n @media screen and (min-width: 992px) {\n padding-top: $theme-space-small;\n }\n\n .footer-bottom-list-center {\n display: flex;\n flex-direction: row;\n justify-content: center;\n align-items: center;\n flex-wrap: wrap;\n float: none;\n margin: 0 auto;\n\n @media screen and (min-width: 992px) {\n display: block;\n }\n\n li {\n display: inline;\n padding: 0 $theme-space-base;\n\n @media screen and (min-width: 992px) {\n border-right: 1px solid $goodsam-gray-700;\n padding: 0;\n\n &:first-child a {\n padding-left: 0;\n }\n\n &:last-child {\n border-right: 0;\n\n a {\n padding-right: 0;\n }\n }\n }\n\n a {\n display: inline-block;\n font-size: $theme-type-size-small;\n padding: $theme-space-small;\n\n @media screen and (min-width: 992px) {\n display: inline;\n font-size: $theme-type-size-xsmall;\n padding: 0 12px 0 $theme-space-small;\n }\n }\n }\n }\n}\n\n.copyright {\n color: $goodsam-gray-footer;\n font-size: $theme-type-size-base;\n margin-bottom: 0;\n\n @media screen and (min-width: 992px) {\n margin-bottom: $theme-space-small;\n }\n}\n\n#gsFooterSocial,\n.gsFooterSocial {\n background: $goodsam-gray-200;\n padding: 0 calc($theme-space-small + $theme-space-xsmall);\n .footerSocialItems,\n #footerSocialItems {\n text-align: center;\n\n @media screen and (min-width: 767px) {\n text-align: left;\n }\n }\n\n .footerSocialItems ul,\n #footerSocialItems ul {\n list-style-type: none;\n margin: auto;\n padding-left: 0;\n\n li {\n display: inline;\n margin: 0 $theme-space-small;\n }\n }\n}\n","texts":{"custom.footer.col01.text.01":"Home","custom.footer.col01.url.01":"https://www.goodsam.com/","custom.footer.col01.text.02":"About Us","custom.footer.col01.url.02":"https://www.goodsam.com/about/","custom.footer.col01.text.03":"Contact Us","custom.footer.col01.url.03":"https://www.goodsam.com/contact","custom.footer.col01.text.04":"FAQ","custom.footer.col01.url.04":"https://www.goodsam.com/faq/","custom.footer.col01.text.05":"Site Map","custom.footer.col01.url.05":"https://www.goodsam.com/site-map.aspx","custom.footer.col02.text.01":"Code of Conduct","custom.footer.col02.url.01":"https://www.goodsam.com/code-of-conduct.aspx","custom.footer.col02.text.02":"Affiliate Program","custom.footer.col02.url.02":"https://www.goodsam.com/affiliate/","custom.footer.col02.text.03":"Become a Good Sam Campground","custom.footer.col02.url.03":"https://www.goodsamnetwork.com/","custom.footer.col02.text.04":"Good Sam Rewards Visa","custom.footer.col02.url.04":"https://www.goodsam.com/creditcard/","custom.footer.col02.text.05":"About Marcus Lemonis","custom.footer.col02.url.05":"https://www.goodsam.com/about-marcus-lemonis/","custom.footer.col03.text.01":"RV Sales","custom.footer.col03.url.01":"https://rv.campingworld.com/","custom.footer.col03.text.02":"RV Gear","custom.footer.col03.url.02":"https://www.campingworld.com/shop/","custom.footer.col03.text.03":"RV Maintenance & Repair","custom.footer.col03.url.03":"https://rv.campingworld.com/service/","custom.footer.col03.text.04":"Good Sam Membership & Services","custom.footer.col03.url.04":"https://www.goodsam.com/","custom.footer.col03.text.05":"Campground Solutions","custom.footer.col03.url.05":"https://campgroundsolutions.goodsam.com/","custom.footer.col04.text.01":"Helpful Articles and Tips","custom.footer.col04.url.01":"https://www.goodsam.com/article","custom.footer.col05.text.01":"Good Sam Apps","custom.footer.col05.url.01":"https://www.goodsam.com/rv-camping-apps/","custom.footer.col05.text.02":"Take Good Sam apps on your next RV Trip!","custom.footer.col05.url.02":"https://www.goodsam.com/rv-camping-apps/","custom.footer.col06.text.01":"Customer Service Phone Number:","custom.footer.col06.phone.number":"866-205-7451","custom.footer.col06.text.02":"Club contact number 866-205-7451","custom.footer.col06.url.02":"tel:866-205-7451","custom.footer.row01.logo.text":"Good Sam Home","custom.footer.row01.text.01":"Blog","custom.footer.row01.url.01":"http://blog.goodsam.com/","custom.footer.row01.text.02":"Careers","custom.footer.row01.url.02":"https://www.campingworldcareers.com/","custom.footer.row01.text.03":"Contact Us","custom.footer.row01.text.toggle":"Click to expand","custom.footer.row01.text.04":"Good Sam","custom.footer.row01.url.04":"https://www.goodsam.com/contact/","custom.footer.row01.text.05":"Camping World","custom.footer.row01.url.05":"https://www.campingworld.com/contact/","custom.footer.row01.text.06":"RV Sales","custom.footer.row01.url.06":"https://rv.campingworld.com/contact","custom.footer.row02.text.01":"Privacy Policy","custom.footer.row02.url.01":"https://www.goodsam.com/privacy-policy.aspx","custom.footer.row02.text.02":"California Privacy Rights","custom.footer.row02.url.02":"https://www.goodsam.com/privacy-policy.aspx#calinevada","custom.footer.row02.text.03":"Investor Relations","custom.footer.row02.url.03":"http://investor.campingworld.com","custom.footer.row02.text.04":"Terms of Use","custom.footer.row02.url.04":"https://www.goodsam.com/terms.aspx","custom.footer.row02.text.05":"Accessibility Commitment","custom.footer.row02.url.05":"https://www.goodsam.com/accessibility-commitment.aspx","custom.footer.row02.text.06":"Team Member Assistance","custom.footer.row02.url.06":"https://www.goodsam.com/helping-hand","custom.footer.social.facebook.text":"Facebook","custom.footer.social.facebook.url":"https://www.facebook.com/GoodSam","custom.footer.social.twitter.text":"Twitter","custom.footer.social.twitter.url":"https://twitter.com/GoodSam","custom.footer.social.youtube.text":"YouTube","custom.footer.social.youtube.url":"https://www.youtube.com/user/goodsamrvers","custom.footer.social.instagram.text":"Instagram","custom.footer.social.instagram.url":"https://www.instagram.com/goodsam/?hl=en","custom.footer.social.pinterest.text":"Pinterest","custom.footer.social.pinterest.url":"https://www.pinterest.com/goodsam/","custom-community-footer-copyright.text":"© {0} Good Sam Enterprises, LLC. All rights reserved."},"defaults":{"config":{"applicablePages":[],"description":"","fetchedContent":null,"__typename":"ComponentConfiguration"},"props":[],"__typename":"ComponentProperties"},"components":[{"id":"custom.widget.CustomFooter","form":null,"config":null,"props":[],"__typename":"Component"}],"grouping":"CUSTOM","__typename":"ComponentTemplate"},"properties":{"config":{"applicablePages":[],"description":"","fetchedContent":null,"__typename":"ComponentConfiguration"},"props":[],"__typename":"ComponentProperties"},"form":null,"__typename":"Component","localOverride":false},"globalCss":{"css":".custom_widget_CustomFooter_footer-wrapper_hp49n_21 {\n background: #474442;\n\n a {\n color: #dfdfdf;\n font-weight: 100;\n\n &:focus,\n &:hover {\n color: #dfdfdf;\n }\n }\n}\n.custom_widget_CustomFooter_sr-only_hp49n_34 {\n position: absolute;\n width: 0.0625rem;\n height: 0.0625rem;\n margin: -0.0625rem;\n padding: 0;\n overflow: hidden;\n clip: rect(0, 0, 0, 0);\n border: 0;\n}\n.custom_widget_CustomFooter_footer_hp49n_21 {\n line-height: 1.25rem;\n /* margin-left: auto;\n\tmargin-right: auto;\n\tpadding-left: $bootstrap-padding;\n\tpadding-right: $bootstrap-padding; */\n}\n.custom_widget_CustomFooter_container_hp49n_52 {\n margin-left: auto;\n margin-right: auto;\n max-width: 73.125rem;\n padding-left: 0.9375rem;\n padding-right: 0.9375rem;\n}\n.custom_widget_CustomFooter_row_hp49n_60 {\n /* HOTFIX - PSDS-32115 - Remove negative margins to fix mobile display */\n\n &::after {\n clear: both;\n }\n\n &::after,\n &::before {\n content: ' ';\n display: table;\n }\n}\n.custom_widget_CustomFooter_col_hp49n_74 {\n float: left;\n min-height: 0.0625rem;\n padding-left: 0.9375rem;\n padding-right: 0.9375rem;\n position: relative;\n}\n.custom_widget_CustomFooter_col-xs-10_hp49n_82,\n.custom_widget_CustomFooter_col-sm-10_hp49n_83 {\n width: 83.33333333%;\n}\n.custom_widget_CustomFooter_col-xs-12_hp49n_87,\n.custom_widget_CustomFooter_col-sm-4_hp49n_88,\n.custom_widget_CustomFooter_col-sm-12_hp49n_89,\n.custom_widget_CustomFooter_col-md-2_hp49n_90,\n.custom_widget_CustomFooter_col-md-8_hp49n_91,\n.custom_widget_CustomFooter_col-md-10_hp49n_92,\n.custom_widget_CustomFooter_col-md-12_hp49n_93,\n.custom_widget_CustomFooter_col-lg-2_hp49n_94,\n.custom_widget_CustomFooter_col-lg-8_hp49n_95,\n.custom_widget_CustomFooter_col-lg-12_hp49n_96 {\n width: 100%;\n}\n@media screen and (min-width: 767px) {\n .custom_widget_CustomFooter_col-md-2_hp49n_90 {\n width: 16.66666667%;\n }\n\n .custom_widget_CustomFooter_col-md-8_hp49n_91 {\n width: 66.66666667%;\n }\n\n .custom_widget_CustomFooter_col-md-10_hp49n_92 {\n width: 83.33333333%;\n }\n\n .custom_widget_CustomFooter_col-md-12_hp49n_93 {\n width: 100%;\n }\n}\n@media screen and (min-width: 992px) {\n .custom_widget_CustomFooter_col-lg-2_hp49n_94 {\n width: 16.66666667%;\n }\n\n .custom_widget_CustomFooter_col-lg-4_hp49n_123 {\n /* faking it; should be 33.33333333% */\n width: 25%;\n }\n\n .custom_widget_CustomFooter_col-lg-8_hp49n_95 {\n /* faking it; should be 66.66666667% */\n width: 75%;\n }\n\n .custom_widget_CustomFooter_col-lg-10_hp49n_133 {\n width: 83.33333333%;\n }\n\n .custom_widget_CustomFooter_col-lg-12_hp49n_96 {\n width: 100%;\n }\n}\n.custom_widget_CustomFooter_pull-left_hp49n_142 {\n float: left;\n width: 100%;\n\n @media screen and (min-width: 767px) {\n float: none;\n width: auto;\n }\n\n @media screen and (min-width: 992px) {\n float: left;\n }\n}\n.custom_widget_CustomFooter_pad-bottom-20_hp49n_156 {\n padding-bottom: 1.25rem;\n}\n.custom_widget_CustomFooter_pad-top-20_hp49n_160 {\n padding-top: 1.25rem;\n}\n.custom_widget_CustomFooter_pad-top-30_hp49n_164 {\n padding-top: calc(0.9375rem * 2);\n}\n.custom_widget_CustomFooter_pad-top-40_hp49n_168 {\n @media screen and (min-width: 992px) {\n padding-top: 2.5rem;\n }\n}\n.custom_widget_CustomFooter_margin-left-20_hp49n_174 {\n @media screen and (min-width: 992px) {\n margin-left: 1.25rem;\n }\n}\n.custom_widget_CustomFooter_margin-top-20_hp49n_180 {\n @media screen and (min-width: 992px) {\n margin-top: 1.25rem;\n }\n}\n.custom_widget_CustomFooter_text-center_hp49n_186 {\n text-align: center;\n}\n.custom_widget_CustomFooter_text-right_hp49n_190 {\n text-align: right;\n}\n.custom_widget_CustomFooter_text-smaller_hp49n_194,\n.custom_widget_CustomFooter_text-small_hp49n_194 {\n font-size: 0.75rem;\n}\n.custom_widget_CustomFooter_text-large_hp49n_199 {\n font-size: 1.25rem;\n}\n.custom_widget_CustomFooter_footer-contact_hp49n_203 {\n p {\n display: flex;\n flex-direction: row;\n justify-content: center;\n align-items: center;\n\n @media screen and (min-width: 992px) {\n display: block;\n }\n\n .custom_widget_CustomFooter_text-small_hp49n_194 {\n @media screen and (max-width: 991px) {\n font-size: 1rem;\n }\n }\n }\n\n .custom_widget_CustomFooter_icon-gs-app_hp49n_221 {\n margin-right: 1.25rem;\n max-width: 2.375rem;\n padding-right: 0.125rem;\n padding-top: 0.125rem;\n\n @media screen and (min-width: 992px) {\n margin-left: 8.75rem;\n margin-right: 0;\n }\n }\n\n .custom_widget_CustomFooter_gsi-icon-phone_hp49n_233 {\n margin-bottom: -0.125rem;\n margin-right: 0.625rem;\n max-height: 1.25rem;\n width: 1.25rem;\n\n @media screen and (min-width: 992px) {\n margin-right: 0;\n }\n }\n}\n.custom_widget_CustomFooter_footer-link_hp49n_245 {\n a,\n button {\n color: #dfdfdf;\n padding: 0 0.75rem 0 0.625rem;\n }\n\n li:last-child a {\n padding-right: 0;\n }\n}\n.custom_widget_CustomFooter_footer-top-links_hp49n_257 {\n padding-left: 0;\n list-style: none;\n display: flex;\n flex-direction: row;\n justify-content: center;\n align-items: center;\n flex-wrap: wrap;\n margin-bottom: 0.625rem;\n font-size: 1rem;\n\n @media screen and (max-width: 480px) {\n flex-direction: column;\n }\n\n @media screen and (min-width: 992px) {\n display: block;\n }\n\n li {\n margin-bottom: 1.25rem;\n padding: 0 1.25rem;\n\n @media screen and (min-width: 992px) {\n padding: 0;\n }\n }\n}\n.custom_widget_CustomFooter_footer-top_hp49n_257 {\n border-bottom: 2px solid #c7c7c7;\n display: block;\n margin: auto;\n padding-top: 0.625rem;\n text-align: center;\n\n @media screen and (min-width: 992px) {\n text-align: left;\n }\n\n .custom_widget_CustomFooter_footer-logo_hp49n_297 {\n max-height: 3.75rem;\n max-width: 8.75rem;\n padding: 0.625rem;\n padding-left: 0;\n padding-top: 0;\n }\n\n .custom_widget_CustomFooter_footer-list_hp49n_305 {\n display: flex;\n justify-content: center;\n align-items: center;\n list-style: none;\n margin-bottom: 0;\n\n @media screen and (min-width: 992px) {\n display: block;\n float: right;\n }\n\n li {\n display: inline-block;\n padding: 0.625rem 0.3125rem;\n\n @media screen and (min-width: 992px) {\n border-right: 1px solid #666;\n float: left;\n padding: 0;\n\n &:last-child {\n border-right: 0;\n }\n }\n\n a,\n button {\n font-size: 0.75rem;\n text-transform: uppercase;\n\n @media screen and (max-width: 768px) {\n display: block;\n padding: 0.625rem;\n }\n\n @media screen and (min-width: 992px) {\n font-size: 0.875rem;\n }\n }\n\n .custom_widget_CustomFooter_dropup_hp49n_346 {\n background-clip: padding-box;\n border: none;\n font-size: 0.875rem;\n list-style: none;\n padding-left: 0.3125rem;\n position: relative;\n\n @media screen and (min-width: 992px) {\n float: left;\n }\n\n &:hover {\n .custom_widget_CustomFooter_dropdown-menu_hp49n_359 {\n display: block;\n }\n }\n }\n\n .custom_widget_CustomFooter_footer-dropup-toggle_hp49n_365 {\n background: none;\n border: 0;\n padding: 0;\n\n .custom_widget_CustomFooter_fa-angle-up_hp49n_370 {\n /* @include li-icon ($fa-var-angle-up, $pseudo: before, $size: $theme-type-size-base, $color: $goodsam-gray-footer);\n padding-left: $theme-space-xsmall;\n padding-right: $theme-space-xsmall; */\n }\n }\n\n .custom_widget_CustomFooter_dropdown-menu_hp49n_359 {\n background-color: #fff;\n border-radius: 0.25rem;\n bottom: 100%;\n margin: 0.125rem 0 0;\n min-width: 10rem;\n padding: 0.3125rem 0;\n position: absolute;\n right: 0;\n\n li {\n border-right: 0;\n float: none;\n text-align: left;\n\n @media screen and (max-width: 768px) {\n display: block;\n }\n\n a {\n color: #474442;\n display: block;\n text-transform: none;\n\n &:hover {\n outline: 5px auto -webkit-focus-ring-color;\n outline-offset: -2px;\n }\n }\n }\n }\n }\n }\n}\n.custom_widget_CustomFooter_footer-terms_hp49n_412 {\n display: flex;\n flex-direction: column;\n justify-content: center;\n align-items: center;\n padding: 0.625rem 0;\n\n @media screen and (min-width: 992px) {\n display: block;\n padding: 0;\n }\n\n > .custom_widget_CustomFooter_row_hp49n_60 {\n padding-bottom: 0.625rem;\n\n @media screen and (min-width: 992px) {\n padding-bottom: 1.25rem;\n }\n\n &.custom_widget_CustomFooter_footer-terms-order-1_hp49n_431 {\n 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MedCad wrote:
Anyone have experience with getting private nationwide health insurance from rverinsurance.com and the broker/agent Mike Neighbours? (private - not Obama Care / ACA)

Specifically health insurance issued by New Era Insurance and its Philadelphia American Insurance. Question is, when the day comes to file a claim do they pay out or jerk you around?

What do you mean \"private\" health insurance? ACA policies purchased on the Obamacare Exchange are private health insurance--the Exchange is merely a way to buy one and apply a subsidy if you qualify for one. My experience is that any plan you buy on the Exchange can be bought directly from the company, the only difference being that if you buy it directly from the company rather than on the Exchange you can't receive a lowered premium due to a subsidy.

So I'm curious about what \"private\" health insurance is. Is this a term your agent used?

What I suspect is that the policy you're looking at is not health insurance, but instead an indemnity plan. Indemnity plans might work for a given person, but there's a lot of history of people buying them without understanding exactly what it is they're buying.

If you're looking at a fixed benefit indemnity plan, you should read this:
https://www.brookings.edu/blog/usc-brookings-schaeffer-on-health-policy/2020/08/04/fixed-indemnity-health-coverage-is-a-problematic-form-of-junk-insurance/

If you're looking at short-term limited duration health insurance, you should read this:
https://files.kff.org/attachment/Issue-Brief-Understanding-Short-Term-Limited-Duration-Health-Insurance

With regard to Philadelphia American Insurance, here's a lengthy discussion about it. It veers a little in the middle when an insurance salesman jumps in claiming to offer exactly what traveling fulltimers want (major medical insurance with a nationwide network), only it turns out not so much. But at the end of the thread, somebody shows up with what he found out when considering and researching a fixed indemnity plan with Phildalephia America.

https://www.rvnetwork.com/topic/138198-rver-insurance-exchange-health-insurance/","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2023-03-16T13:46:49.000-07:00","lastPublishTime":"2023-03-16T13:46:49.000-07:00","metrics":{"__typename":"MessageMetrics","views":476},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:FullTimeRVers/category:TRAVELCENTER/community:feyqc97479board:FullTimeRVersforum-board/message:3603436/message:3603438","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"Rank:rank:41":{"__typename":"Rank","id":"rank:41","position":33,"name":"Explorer II","color":"333333","icon":null,"rankStyle":"TEXT"},"User:user:77011":{"__typename":"User","id":"user:77011","uid":77011,"login":"Ro_n_Joe","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2010-12-09T13:26:51.000-08:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-8.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:41"},"entityType":"USER","eventPath":"community:feyqc97479/user:77011"},"ModerationData:moderation_data:3603437":{"__typename":"ModerationData","id":"moderation_data:3603437","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:3603437":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:77011"},"id":"message:3603437","revisionNum":1,"uid":3603437,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:FullTimeRVersforum-board"},"parent":{"__ref":"ForumTopicMessage:message:3603436"},"conversation":{"__ref":"Conversation:conversation:3603436"},"subject":"Re: F/T RVer Health Insurance - Feedback","moderationData":{"__ref":"ModerationData:moderation_data:3603437"},"body":"We had both and would suggest going elsewhere. Wouldn't pay for a flu shot and DW's female tests. If you have an existing med issue, they won't cover anything for the 1st yr of coverage.
Didn't work with Mike Neighbours
Good 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