Hello! We're getting ready to hit to hit the road full time in September but I have lots of homework to do. I have been researching health insurance and how to get mail. I am hoping all you well seasoned full timers have some advice. We are both 55, if that matters.Looking for recommendations on health insurance. How does it work when you are on the road? Do you have a company you like? We hated our PPO insurance, expensive and they don't cover much. I know a lot of carriers aren't great. We don't want obamacare. Looking for a PPO that is actually good. How does it work when you are travelling around? Do you need specific insurance that is multi-state. Mail - what is the best way to get mail. I have a YouTube channel and often receive gifts from my fans. How do I do this on the road? Or any important mail. Sorry if I am asking stupid questions. SO brand new and trying to understand everything way before we hit the road. I have been reading but would be so grateful for advice from folks actually on the road. So, thank you so much for your help!! Have a beautiful day!!

You are actually asking very smart questions! For mail, there are several mail services that Full-timers use but the two I'm familiar with are: - Escapees-Mail Service- America's Mailbox - Americas MailboxMedical is trickier depending on your state and whether you can qualify for an Obamacare plan. You say you didn't want one, but insurance was cost prohitive when we retired as I wasn;t willing to pay $2500 a month for the two of us. We retired at 60 and hit the road, so had to go thru 5 years of scrambling for insurance because our retirement income was too high to get an ACA subsidy. if your retirement income will be below the threshhold (it was $63k - not sure if that's that same now) you may be in good shape. Just make sure whatever plan you get would you would be in network in any state. We wound up using a Healthcare Sharing Ministry program that worked for us. It provided essentially the same poor coverage as ACA at less than half the cost. As an aside, I found that routine doctor visits cost me less by paying cash than using the insurance. We used GoodRX for routine prescriptions at reasonable prices.You need to look at legal Domicile issues if you think you may change state of residency for legal purposes. Again, Escapees has info on their website to give you some guidance.Hope this gets you some info you can use.

I think FL is the only state that has Nationwide OptionSD & Tx are popular FT states as is FLBut being under 65/Medicare you should check out Escapees about Mail & Med Insurance OptionsThey are home based in TX but alos have Mail Forwarding Services in FL & SDThey can answer all your questions and set you up

Since you have been researching what else can you get besides Obamacare?

lbrjet wrote:Since you have been researching what else can you get besides Obamacare?I am just getting started so nothing yet. I just know that is something I don't want.

arhayes wrote:You are actually asking very smart questions! For mail, there are several mail services that Full-timers use but the two I'm familiar with are: - Escapees-***Link Removed***- America's Mailbox - ***Link Removed***Medical is trickier depending on your state and whether you can qualify for an Obamacare plan. You say you didn't want one, but insurance was cost prohitive when we retired as I wasn;t willing to pay $2500 a month for the two of us. We retired at 60 and hit the road, so had to go thru 5 years of scrambling for insurance because our retirement income was too high to get an ACA subsidy. if your retirement income will be below the threshhold (it was $63k - not sure if that's that same now) you may be in good shape. Just make sure whatever plan you get would you would be in network in any state. We wound up using a Healthcare Sharing Ministry program that worked for us. It provided essentially the same poor coverage as ACA at less than half the cost. As an aside, I found that routine doctor visits cost me less by paying cash than using the insurance. We used GoodRX for routine prescriptions at reasonable prices.You need to look at legal Domicile issues if you think you may change state of residency for legal purposes. Again, Escapees has info on their website to give you some guidance.Hope this gets you some info you can use.You are a wealth of information, thank you so much!

Going Full Time Soon - Health Insurance and Mail

Old-Biscuit
Explorer III
Mar 08, 2021
I think FL is the only state that has Nationwide Option

SD & Tx are popular FT states as is FL

But being under 65/Medicare you should check out Escapees about Mail & Med Insurance Options
They are home based in TX but alos have Mail Forwarding Services in FL & SD

They can answer all your questions and set you up
arhayes
Explorer
Mar 08, 2021
You are actually asking very smart questions! For mail, there are several mail services that Full-timers use but the two I'm familiar with are:
- Escapees-Mail Service
- America's Mailbox - Americas Mailbox

Medical is trickier depending on your state and whether you can qualify for an Obamacare plan. You say you didn't want one, but insurance was cost prohitive when we retired as I wasn;t willing to pay $2500 a month for the two of us. We retired at 60 and hit the road, so had to go thru 5 years of scrambling for insurance because our retirement income was too high to get an ACA subsidy. if your retirement income will be below the threshhold (it was $63k - not sure if that's that same now) you may be in good shape. Just make sure whatever plan you get would you would be in network in any state. We wound up using a Healthcare Sharing Ministry program that worked for us. It provided essentially the same poor coverage as ACA at less than half the cost. As an aside, I found that routine doctor visits cost me less by paying cash than using the insurance. We used GoodRX for routine prescriptions at reasonable prices.

You need to look at legal Domicile issues if you think you may change state of residency for legal purposes. Again, Escapees has info on their website to give you some guidance.

Hope this gets you some info you can use.

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Going Full Time Soon - Health Insurance and Mail

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