I am sure this has been discussed before so if so I apologize for asking again. Neither my wife or I are old enough to get medicare so we purchase our plan here in our home state of CT. We generally spend 6 months in the south and the rest here. Due to some ongoing health issues our doctor demands we seek medical help in the south to monitor the situation. The problem is that our plan does not cover anything except emergencies once outside of our state. How do others deal with this?Thanks in advance.

2oldman wrote:Cash, better plan?X2If current plan does not provide for routine medical outside of your state then you don't have other options.

Welcome to the new individual health insurance market place. In the process of finding another plan for this year myself. 35% plus increase over last year. Smaller networks, fewer providers. Looking at $1,500 a month for the two of us. Most plans only cover emergencies out of area.

We have cash to pay for doctors visits, medicin etc. I am thinking more about a prolonged hospital stay or such. You can blow through @100,000 real fast if that were to happen.

Health insurance on the road | Good Sam Community

2oldman
Explorer II
Nov 01, 2015
Cash, better plan?
Old-Biscuit
Explorer III
Nov 01, 2015
2oldman wrote:
Cash, better plan?

X2

If current plan does not provide for routine medical outside of your state then you don't have other options.
2oldman
Explorer II
Nov 01, 2015
Cash can work miracles.
wildtoad
Explorer II
Nov 01, 2015
Welcome to the new individual health insurance market place. In the process of finding another plan for this year myself. 35% plus increase over last year. Smaller networks, fewer providers. Looking at $1,500 a month for the two of us. Most plans only cover emergencies out of area.
retiredtraveler
Explorer
Nov 01, 2015
We have cash to pay for doctors visits, medicin etc. I am thinking more about a prolonged hospital stay or such. You can blow through @100,000 real fast if that were to happen.
westernrvparkow
Explorer
Nov 01, 2015
How much does the ongoing monitoring cost and how often do you need it? A flight back to home might be more cost effective than paying out of network. Also, does your out of network payments get applied to your deductible? Good news is probably that whatever the problems and costs you run into this coming year is they will be less than you will run into the following year. At least from my vantage point, the ACA compliant policies are getting worse year over year, enjoy.
Big_Katuna
Explorer II
Nov 01, 2015
United and Cigna have national plans.

We have been paying for our own insurance for twenty years.

While not cheap, the ACA has saved us money and we get better coverage, lower deductibles.

I would recommend finding a reputable agent that carries many lines.
2oldman
Explorer II
Nov 01, 2015
retiredtravelers2013 wrote:
I am thinking more about a prolonged hospital stay or such.
That sounds like an emergency to me.
retiredtraveler
Explorer
Nov 01, 2015
Westernparkowner, You are right. I was however trying to find out how others handle this.
Big Katuna, I have spoken to a couple of independent agents and the vast majority of the plans have the same restrictions. I will keep searching.
WyoTraveler
Explorer
Nov 01, 2015
Hmmm, emergencies only. I agree walking in for a routine appointment might be a problem. Since I take BP meds before being on medicare if I had a problem out of state it would be paid for. That means my BP is high, I had a dizzy spell etc. You have to have a PROBLEM. Just not routine. They just don't want people wandering in for routine exams. If you have a specific med problem you should be able to figure that one out. JMHO.