We are ready to go full time, but have hit a snag on state of residence. We live in MN, which has great healthcare options, but we need to have a mailing address. I know many people use SD, and that would work, except that it does not have good healthcare options if you are too young for Medicare. So we are willing to keep a MN residency, but are unable to find any services here like those in SD, TX or FL. we do not want to use FL because we plan on spending all our time in the West. And TX is pretty much out of our way too. One attorney in SD suggests having two addresses, one in SD and one in MN, but this seems unnecessarily complicated. We do not have friends or family who could be our residence in MN, so that's not an option.Has anyone else solved this problem?

Do you still own property or rent property in MN? Can you remain a resident if you do not? TX healthcare is expensive and most SD healthcare options require you to be in SD to take advantage of any of the benefits. It's tough out there right now but the good news is that it likely better now than it will be a few years from now.

A quick check on Google showed a lot of options. I checked "Minnesota mail forwarding services". Other states that you may want to research are Nevada and Florida. I have seen post on here and others that Fl had better options than SD, and on another site that some preferred Nv, because of their programs as an expansion state under the ACA. BUT with the ACA collapsing in many areas, and a new administration in place, any planning at this stage may end up being nigh on to useless.

You cannot have it both ways, so if MN is your choice for a domicile, I'm sure there are lots of mail forwarding service options. BUT - if you no longer own property, you'll need to make sure that whatever you choose provides you with a legal physical address, because that is what will need to be on vehicle registrations, DL's, etc. You may want to consult a MN attorney before jumping into this.

thanks, kerrlakeRoo. your answer is spot on, and so simple i feel like an idiot for even posting. here is what i foundhttps://ipostal1.com/

State of residence for healthcare | Good Sam Community

Bill_Satellite
Explorer II
Dec 20, 2017
The term Snowbird is used for folks who live in the North for 6 months or so and then travel South for the Winter. This assumes they have an actual home to return to for those 6 Summer months. If this is your one and only address and you plan to live in your RV, and only your RV, year-round then you are a full-timer. Just be certain that the business can legally allow you to be a State resident using the address they provide.
Zhidoni
Explorer
Dec 20, 2017
Bill, pretty sure their clients do include full-timers, but will double-check
thanks. in our eagerness to get on the road and escape the subzero weather we wouldn't want to overlook the details!
TechWriter
Explorer
Dec 20, 2017
The ACA is concerned where you actually live, not necessarily the state you claim as your residence or domicile. See State Residency & the ACA.

For example, if your domicile or residence is MN, but you spend most of your time in FL, then the ACA would probably consider FL as your residence for health care plans. Having a FL mail service address would not change this.
Zhidoni
Explorer
Dec 20, 2017
we hope not to spend much time anywhere. nevertheless, MN would be our base, our ""come back to " place.
3oaks
Explorer
Dec 21, 2017
stickdog wrote:
sayoung wrote:
Simple, don't get sick.

Simple enough.
Think so? :@

Good luck with that! Good luck is what it will take. Along with being lucky to never have a major accident sending you to the emergency room and/or requiring hospitalization. :E
kerrlakeRoo
Explorer
Dec 21, 2017
The comments on the need for the insurance to be issued for where you really are is part of the reason I mentioned Nevada.
Those who winter in Az or NM are still within a days drive of NV, and if their summers are in Wa, Or, or Wy, they still are as well.
Most plans do look for you to select a network, and today most of those medical networks are centered around a University system or a Hospital based company like Sentara. With Nv the State medical universities I understand have campuses both in Vegas, as well as up in the northern reaches of the state making the entire western area within a days drive of an "in network" doctor.
Zhidoni
Explorer
Dec 21, 2017
We have indeed been thinking about NV, and if we ever settle down again may live in Reno. Close to kids in CA, but cheaper to live in.
by the way, my profile info is way out of date. i just cannot find a way to change it!
sayoung
Explorer
Dec 21, 2017
3oaks wrote:
stickdog wrote:
sayoung wrote:
Simple, don't get sick.

Simple enough.
Think so? :@

Good luck with that! Good luck is what it will take. Along with being lucky to never have a major accident sending you to the emergency room and/or requiring hospitalization. :E

You miss the point that when we get to MC age no matter what plan you have its not enough if you get any major illness (cancer, heart attack etc)..
I had a full. Knee replacement this year & my share after MC still hasn't reached what a supplement costs per year. Maybe I'm wrong but do not consider this a major illness.
was_butnotnow
Explorer
Dec 22, 2017
sayoung wrote:
3oaks wrote:
stickdog wrote:
sayoung wrote:
Simple, don't get sick.

Simple enough.
Think so? :@

Good luck with that! Good luck is what it will take. Along with being lucky to never have a major accident sending you to the emergency room and/or requiring hospitalization. :E

You miss the point that when we get to MC age no matter what plan you have it's not enough if you get any major illness (cancer, heart attack etc)..
I had a full. Knee replacement this year & my share after MC still hasn't reached what a supplement costs per year. Maybe I'm wrong but do not consider this a major illness.

FYI I have had AARP Medicare Advantage Plan F issued for South Dakota. Noticed for 2016 there were no Advantage plans offered in SD. Called AARP and was told mine was grandfathered since once you have it they can't cancel it.

This site has great info and can help. Is endorsed by Escapees.
http://www.rverinsurance.com/

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