Need Help on how to get health insurance while traveling

[luvmydogs]

I know there are many people who travel all the time. We should be gone rv'ing for about 6 months, but my health insurance does not cover us if we are out of state. How does everyone do it? There is no telling when an accident or something may come up so how do I get covered while on the road. Any suggestions would be welcome.

[luvmydogs]

I cant remember ever having it this bad to if you are able to travel and don't want to stay in one place and own a home there, that you would have no health insurance. It just seems un-american to me, but then lately the term "American" doesn't mean what it used to either.

[Yosemite_Sam1]

HadEnough wrote:

Yosemite Sam1 wrote:
Seems like a good argument for Medicare for all (specially RVers.)

Seriously.

It's sad that as a traveler, you are better off leaving the USA to get medical insurance than you are to stay here.

Plenty of travel plans when you are outside the USA. Very few, if any, inside.

Yes, Medicare is national -- and even international if you get prior approval and your medical consultations are made with an accredited medical provider (normally top notch hospitals that also provide medical services to our embassies abroad).

[Yosemite_Sam1]

Naio wrote:

Yosemite Sam1 wrote:
Seems like a good argument for Medicare for all (specially RVers.)

Would save a lot of money, and a lot of suffering families.

Very well said. Think of the billions of savings by eliminating one layer of the health care system who makes the greatest profit in the value system -- and these savings going instead to delivering services to patients.

[Naio]

Yosemite Sam1 wrote:
Seems like a good argument for Medicare for all (specially RVers.)

Would save a lot of money, and a lot of suffering families.

[HadEnough]

Yosemite Sam1 wrote:
Seems like a good argument for Medicare for all (specially RVers.)

Seriously.

It's sad that as a traveler, you are better off leaving the USA to get medical insurance than you are to stay here.

Plenty of travel plans when you are outside the USA. Very few, if any, inside.

[Yosemite_Sam1]

Seems like a good argument for Medicare for all (specially RVers.)

[Naio]

I looked at moving my domicile to California, for various reasons. I can report that, a few years ago at least, their Blue Cross Blue Shield plan did technically cover people who were out-of-state, but their list of preferred providers was very short. Like maybe only one or two providers per state. Possibly better than nothing, but it didn't meet my needs.

[Naio]

You will find it difficult to get accurate information on this forum because the plans that are offered vary from state to state, and people are mostly only familiar with what's offered in their domicile state.

For example, in some states, Blue Cross plans are usable nationwide. But if you buy your Blue Cross plan in a different state, it's not usable nationwide.

In my state, there are no plans that allow for anything other than emergency care when out of state.

If you can find a state selling a plan that is usable nationwide, you could consider moving your official domicile to that state, and getting a mailing address there. But you may find that states with good insurance plans also have high taxes!

[Imbriaco]

Very, very, very limited options outside of an employer sponsored plan. And what so many people don’t seem to realize, if not for the affordable care act, there would be even less AND they would be way more expensive.

I spent my career in healthcare. The commercial insurance industry and capitalism isn’t and will never be a viable option. At least from the consumers perspective

[DC_MC]

Hubby and I started full timing when we were still covered by his ex employers insurance. It was blue cross and we selected that over some cheaper plans cause it is nationwide. We did only have a mail service address which was in Oregon and our doctors are in Arizona where we winter.

[luvmydogs]

Imbriaco, I couldn't agree more with your last sentence. It just amazes me this country has such a problem treating people who don't stay in one place like a second class citizen. They make it all so hard. I will check out the names you gave me. Thank you

[Imbriaco]

Maybe I missed a response that mentioned this option - but there are the 3 primary “Christian” based pseudo insurance offerings that are unbiased as to location or primary address. I have some friends who have one of these options and has used it quite a bit.
Medi-Share
Altrua
And a 3rd I can’t remember. You can google to find all of them.

We too lucky enough to be retired pre-Medicare eligibility, and on the road. But insurance companies and politicians don’t make it very easy or affordable!

[luvmydogs]

Thanks teckwriter we will. Talked to the insurance people in MD last year and to get ADA we needed an address. Then before that when we left CT, and had mail service they canceled us. So I think they do need an address

[TechWriter]

luvmydogs wrote:
Problem is with ACA and ALL insurances us YOU NEED AN ADDRESS.

Nope.

Merrykalia wrote:

Until you establish yourself in another state or even country, your "residence" is still in CT.

Not for the ACA.

luvmydogs wrote:
We use a mail service when we travel but the insurance companies DO NOT take that as being a resident therefore you cannot get insurance with it.

Nope again.

Homeless people can sign up for the ACA. See "Home address" on page 1 of the ACA Application Form.

The ACA is concerned with where you actually live which is not necessarily the same as your domicile.

OP, you should probably contact the ACA for advice.

[luvmydogs]

We use a mail service when we travel but the insurance companies DO NOT take that as being a resident therefore you cannot get insurance with it.