Exploring Our Options

Flanz wrote:
Thanks for the responses. We are currently looking into my wife's retirement health insurance and if it will work for us. We plan on setting up a domicile in either SD or Texas. Everything is coming together and we are exploring options for health insurance.

What we need to confirm the costs evolved as well as if the insurance will cover fulltime RVers. In and out of network costs as well as if we need a PCP. The insurance coverage comes from Aetna and looks like, at this time, it will cover us if we setup SD, Texas, or FLA as our domicile.

What other questions should we ask the insurance provider? We still have a couple of years to go, but we don't want to get blind sided. Our plan is to be part of the class of 2016.....(-:

-paul

We went through the ACA marketplace and got very reasonable insurance that is "nationwide" coverage. This means that as long as you go to one of the "network" doctors/facilities, etc, you will not pay the "out of network" much higher deductible. We found BCBS very reasonable and since it is nationwide it is perfect for our full-time traveling.
Welcome to the road & good luck.

Regarding the AARP policy, and others may be this way too, is I've heard that if you go to the hospital it doesn't kick in until the 3rd day . By the a lot of tests have been run that probably won't be covered & can be very expensive so just be sure & do your homework.

Thanks for the responses. We are currently looking into my wife's retirement health insurance and if it will work for us. We plan on setting up a domicile in either SD or Texas. Everything is coming together and we are exploring options for health insurance.

What we need to confirm the costs evolved as well as if the insurance will cover fulltime RVers. In and out of network costs as well as if we need a PCP. The insurance coverage comes from Aetna and looks like, at this time, it will cover us if we setup SD, Texas, or FLA as our domicile.

What other questions should we ask the insurance provider? We still have a couple of years to go, but we don't want to get blind sided. Our plan is to be part of the class of 2016.....(-:

-paul

Take a look at AARP health insurance you can get it at age 50 I think

Welcome to the lifestyle! A great deal of this is determined by where you domicile. If you plan to keep your present home state you will first need an address that is acceptable to the driver's license an vehicle registration folks and that should also be sufficient for health insurance. If you plan to move your domicile to a more RV & tax friendly state, then you will need to do that before you select a health insurance plan.

We have fulltimed for 8 years today! We were 56 and 48 when we quit our jobs, sold the house and hit the road. The first year we bought COBRA for DH and I purchased a plan through Anthem Blue Cross. The premiums were just too high for us to continue. Since then we have purchased short term medical policies through www.ehealthinsurance.com. Rates are based on what state you are domiciled in, we are SD residents. The rates are reasonable but the deductibles are higher. If you pay the entire 6 months up front you get an additional discount. We are healthy so usually just pay cash for our yearly physicals, mammograms, lab work. I always ask for a cash discount. One of us is still 1 1/2 years away from getting Medicare but we will still purchase these policies for the other. You have to have health coverage and we figure if you had an illness or injury we could always make payments on the deductible part. The policies are for 6 months and then you buy another one, easy peasy.