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cire's avatar
cire
Explorer
Dec 18, 2013

RVer selecting health insurance

I like many others needs to pick an new insurance carrier quickly. Now that the website is working better I can look at some of my options. Because we're full timers we must have a policy that can work anywhere in the country. First question: How do I find which carrier will cover me when I travel. I'm not afraid of doing homework. I just don't know where to start.
  • In general, the Blues (Blue Cross/Blue Shield) are universal. They vary from state to state but in most states the health care providers accept the out of state Blues on the same terms as they accept the local Blues.

    EDIT. My previous employer provides health insurance through BCBS of Illinois, for employees in 5 different states, because they are headquartered there and don't want to negotiate policies in 5 different states.
  • if you're looking for a medicare supplement then, AFAIK, all of those are good in all 57 states. otherwise, most insurance policies are good in your state of residence. my BCBS plan (not ObamaCare) covers me only in illinois. emergencies, actual by-God emergencies, are covered out-of-state but when we're in arizona and i need to see a doc about a non-emergency then i have to pay for it. be sure to check the fine print.
  • For years and years we all made our decisions by calling and checking with whatever insurance companies we might have interest in. One can continue to do that or if you so desire try to make a decision through the Obama website with the governments help. Personally I decided to go with my own research through the insurance companies.

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