Forum Discussion

retiredtraveler's avatar
retiredtraveler
Explorer
Nov 01, 2015

Health insurance on the road

I am sure this has been discussed before so if so I apologize for asking again. Neither my wife or I are old enough to get medicare so we purchase our plan here in our home state of CT. We generally spend 6 months in the south and the rest here. Due to some ongoing health issues our doctor demands we seek medical help in the south to monitor the situation. The problem is that our plan does not cover anything except emergencies once outside of our state. How do others deal with this?
Thanks in advance.
  • Big_Katuna's avatar
    Big_Katuna
    Explorer II
    Nov 01, 2015
    United and Cigna have national plans.

    We have been paying for our own insurance for twenty years.

    While not cheap, the ACA has saved us money and we get better coverage, lower deductibles.

    I would recommend finding a reputable agent that carries many lines.
  • westernrvparkow's avatar
    westernrvparkow
    Explorer
    Nov 01, 2015
    How much does the ongoing monitoring cost and how often do you need it? A flight back to home might be more cost effective than paying out of network. Also, does your out of network payments get applied to your deductible? Good news is probably that whatever the problems and costs you run into this coming year is they will be less than you will run into the following year. At least from my vantage point, the ACA compliant policies are getting worse year over year, enjoy.
  • retiredtraveler's avatar
    retiredtraveler
    Explorer
    Nov 01, 2015
    We have cash to pay for doctors visits, medicin etc. I am thinking more about a prolonged hospital stay or such. You can blow through @100,000 real fast if that were to happen.
  • wildtoad's avatar
    wildtoad
    Explorer II
    Nov 01, 2015
    Welcome to the new individual health insurance market place. In the process of finding another plan for this year myself. 35% plus increase over last year. Smaller networks, fewer providers. Looking at $1,500 a month for the two of us. Most plans only cover emergencies out of area.
  • Old-Biscuit's avatar
    Old-Biscuit
    Explorer III
    Nov 01, 2015
    2oldman wrote:
    Cash, better plan?


    X2

    If current plan does not provide for routine medical outside of your state then you don't have other options.

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