Medicare Medigap and Drug Plan D for fullltimers

was_butnotnow wrote:
The link for PHCS MultiPlan
Also added this link in my above post.

Thanks for the link and the post, we all appreciate your efforts..:)

Since this post is really about the people under the age of 65 and applying for ACA. How about providing a rough cost out of pocket that you will be paying. Rough will do.

thanks you

The link for PHCS MultiPlan
Also added this link in my above post.

was_butnotnow wrote:

The network that Avera PPO members will utilize outside of SD is called the PHCS MultiPlan network and is pretty big with over 900,000 healthcare providers. You can examine the network yourself by clicking here.

No working link? Where should we be "clicking"?

Clay L wrote:
We have a medigap plan and Plan D through United Health Care (brokered by AARP). They accepted our Alternative Resources mail forwarding address with no problem.
Have had claims in numerous states with no issues.

Thanks for your reply....
Other posts were about Bank issues. :?
I didn't think Medicare Medigap policies were having problems just ACA policies...
But waned to check.
Now I see even ACA policies can get Ins. (See my above post on this)

Fulltimer50 wrote:
We got ACA insurance that stared Jan 1 from Avera. No questions or problems about using our Emery mail service address. Of coarse we didn't make a big deal out of it either.

Just read this on RVerHealthInsurance.com

If you are a full time RVer domiciled in South Dakota and you qualify for a subsidy under The Affordable Care Act then you have probably been struggling to find a viable health insurance plan on the exchange in 2014. The three companies (Sanford, DakotaCare, Avera) on the healthcare exchange in SD have all said they are not a good fit for RVers–two of them (Sanford and DakotaCare) going so far as to say they will not allow RVers to sign up. One of them (Sanford) has actually dropped some RVers whom have enrolled in 2014 after discovering they did not have a physical address in SD. The third one, Avera Health, although it offers PPO plans has appeared to not actually have a network of providers outside of the SD region.
I spoke with Avera in January 2014 and confirmed what we suspected about Avera not allowing RVers to access a nationwide network outside of the SD region as well as not covering claims if members are traveling more then 3 months outside of SD. That had caused us to not recommend Avera for RVers in South Dakota in our State-by-State guide.

However, On February 17, 2014 I received a phone call from an Agency Manager with Avera in response to my inquiry about insuring RVers. She called me back to tell me that their policy has changed. Here are the two policy changes at Avera in regards to insuring RVers:
You can enroll in an Avera Health Plan with only a mail-forwarding address if SD is your legal domicile. You will not be asked to provide any further proof of physical residency.
You can utilize a PPO national network of providers while traveling outside of the SD region even in cases of non-emergency care.
The network that Avera PPO members will utilize outside of SD is called the PHCS MultiPlan network and is pretty big with over 900,000 healthcare providers. You can examine the network yourself by clicking here.

I pressed Avera to give me further confirmation of this change because sometimes when you call and talk to a sales representative you might be told that the PHCS MultiPlan network is for emergency care only. When I told the Manager this was happening her response was:
Sales reps are quoting rules for group plans and pre ACA individual. Everything I told you earlier is correct. Members can access PHCS for routine care.
This is great news for SD RVers whom qualify for a significant subsidy. If you have been considering changing your residency from SD to another state because of lack of carriers on the exchange that are RVer-friendly you might now reconsider staying in SD.

Avera still holds the position that they are not an ideal choice for RVers whom travel outside of the SD region extensively. Nevertheless, there is nothing in the Avera Health Plan Certificate of Coverage that prevents a full-time RVer domiciled in SD from enrolling in their plans and utilizing the MultiPlan network.

Disclaimer: RVerhealthinsurance does sell health Ins plans.... I only mentioned the site as that is where I found the article on SD Health Ins.for non Medicare people looking for Ins. through the ACA. Note: I did not link to it.

Deleted post... See next post with quote.

Francesca Knowles wrote:
......

I realize this doesn't presently have anything to do with the ACA, but it's likely to do so in the future. Dunno where this will leave folks with pretend domiciles etc.- guess time will tell!

Ours is not a pretend address, it is legally recognized by the courts and legislature in Texas. Escapees even has 2 voting precincts at Rainbow's End.

Barb

We have a medigap plan and Plan D through United Health Care (brokered by AARP). They accepted our Alternative Resources mail forwarding address with no problem.
Have had claims in numerous states with no issues.

We got ACA insurance that stared Jan 1 from Avera. No questions or problems about using our Emery mail service address. Of coarse we didn't make a big deal out of it either.