Appreciate everyone's interest in obtaining Health Insurance in SD. Here is the response I received today from my agent regarding my insurance company (Avera)'s policy regarding Full Time RVers in SD. See below:
Hi Everyone, again I want to thank you all for your business, your patience and allowing me to keep you informed via group email, I would appreciate a reply email to this email so I know this info has been received.
latest info from Avera management as of 11/18/2014
If you have an Avera policy that was purchased on the Marketplace, you will be able to keep this coverage in 2015, however , claims will not be covered, at in network benefits unless the services are for urgent or emergent services.
So things like Preventative Medicine, durable medical equipment & maintenance chiropractic treatments will not be covered as in network benefits, again their words are only network benefits for urgent or emergency services.
Your polices will have their full benefits if used at in network providers in SD."
To put it bluntly, if you want to see your doctor in another state for your annual physical and routine stuff, you just have to pay him/her out of pocket and not file a claim - that's what I will be doing. If you have a heart attack while staying in a state other than SD, you will be covered because that would be considered Urgent/Emergency care. There is a nationwide network that you can use.
I suggest you just check out the network to make sure you can find a doctor/hospital in the area you will be staying that is part of the network. Your insurance company will be able to give you the website. I found many in Florida and my doctor in NC is also in the network should I elect to have a heart attack while visiting NC..... Most hospitals and emergency facilities are in the network. I am looking forward to turning 65 in 2.5 years and then I won't have to worry about these things!!!! Thanks Ellen
