Full time/South Dakota insurance question.

[amandasgramma]

Considering changing domicile to South Dakota. We both are on Medicare. Another posting about ins saying insurance is unavailable for full timers concerns me. Is it true? Will we be able to get a medicare supplemental insurance??? Seems odd that you couldn't!!!

[Greyghost]

We are currently "residents" of Box Elder SD via Americas Mailbox. Our Medicare coverage is via Humana Gold Choice PFFS and is good throughout the nation. We were with United Health Care (UHC) but they dropped us when they no longer had offerings in Rapid City. When I called UHC they berated me for wanting to travel around the country and have insurance coverage. With Humana I've had a Triple Bypass in AZ and in March had back surgery. For us, Humana has been outstanding.

[amandasgramma]

Thanks, Boonhauler....I didn't have the "inc" on it. 🙂

[BoonHauler]

amandasgramma wrote:

BoonHauler wrote:
If you don't have one, I use My Home Address as the forwarder (host) for my SD residency. They're really nice folks and reasonably priced.

In my experience you can't go wrong using them.

Heads up....checked that website and it says that website is for sale...!!!

You must have the wrong address, here's a link My Home Address, Inc

[amandasgramma]

BoonHauler wrote:
If you don't have one, I use My Home Address as the forwarder (host) for my SD residency. They're really nice folks and reasonably priced.

In my experience you can't go wrong using them.

Heads up....checked that website and it says that website is for sale...!!!

[BoonHauler]

If you don't have one, I use My Home Address as the forwarder (host) for my SD residency. They're really nice folks and reasonably priced.

In my experience you can't go wrong using them.

[carp65]

We are SD residents and full-timers. Have medicare and AARP supplement and
have never had a problem with coverage regardless of where we were. Our MH
insurance is designed specifically for full-timers. Never a problem there,
either

[Ray___June]

We decided to use SD as our domicile too.

What we found was that if you will be traveling constantly, you can't use a medicare "advantage" plan. We went with Humana on our part "D" and have used it in AZ and UT without any problems.

[luvlabs]

Medicare doesn't care where you live or obtain medical care from as long as it is in the continental US or a commonwealth or territory of the US. Supplemental plans, however, are usually issued by state. You need to simply sign up for the supplemental plan of your choice in SD (we used AARP which is United Healthcare) when we lived in Maryland, then South Dakota, and now in New Mexico.

[JimK-NY]

I became a South Dakota resident and soon after turned 65. I applied for Medicare and AARP/United Healthcare Plan F supplemental coverage. I had no problem. A few years later I became a NY resident and transferred my policies. The AARP plan jumped $2000 annually for my wife and I. Low insurance rates are another reason to enjoy you residency in South Dakota.

[BeckyIO]

I'm a pre-retirement full-timer based out of SD and plans are hard to find for us, but it seems like retirement-aged folks have less of a problem in SD.

When the Affordable Care Act turned the health insurance scene on it's head, I learned what I needed to know from Kyle over at http://www.rverinsuranceexchange.com/, I'm not affiliated with them in any way, I just found it to be a useful site from personal experience.

Hope this helps.

[carp65]

We are residents of SD with Medicare and an AARP supplement thru United Health
Care. Have never had any problems and all services (have been many) have been
fully covered regardless of where we were.

[Fulltimer50]

avan wrote:
The problems some are speaking about are because they are not enrolled in Original Medicare but rather in a version that restricts usage within a named medical group of providers. Original Medicare would be better in most cases of full timers who travel and need countrywide coverages.

That's right, I forgot about the medicare replacement plans. We had Avera before medicare so I wanted to keep them when I turned 65. They basically would not give me a package to replace medicare since I was a fulltimer. I did get a quote but it was crazy high.

[avan]

The problems some are speaking about are because they are not enrolled in Original Medicare but rather in a version that restricts usage within a named medical group of providers. Original Medicare would be better in most cases of full timers who travel and need countrywide coverages.

[Fulltimer50]

ADAD437 wrote:

Fulltimer50 wrote:
We have had no problem finding a Medicare supplement plan in SD. All of the problems written about have been for pre-medicare plans.

not true fulltimer, as dutch stated the problem is with some supplemental plans haveing in network not available in some areas.

While I am sure that if a person tried they could find a policy that would not be good nation wide. We have not had any problem finding a medicare supplement plan. If a person did a google search for SD medical supplement plans they could find most are good for any Dr. that accepts medicare.