luvmydogs wrote:
Thank you Rice for all the info. We are in Colorado but getting ready to leave. So are you saying for health insurance your mail service address is enough for these companies? I'd thought we tried that a few years ago and the first one to complain were the banks. They seemed to know it was a mail service and said it was not good enough. We do use a mail service in Florida. Maybe we'll try to see if it would work for a Fla Blue policy.
Different companies have different rules on what is an acceptable address for their purposes. One bank may accept a given address while another won't. And a bank can change its policy, and no longer accept what they used to accept.
As stated frequently in these forums, health insurance is based on
where one resides. Where they reside is obvious for the vast majority of people--it's their home. And it works for them because they use local providers for their health care.
This scheme is a problem only for traveling fulltimers who change their residence too frequently to be able to get new health insurance in each new place they reside.
In the case of people who alternate between two residences (e.g., snowbirds), ACA documents tell them they can switch their plan when they move (but deductibles and out-of-pocket maximums reset when plans are changed), but they might be better off getting a plan with a nationwide network that covers them wherever they are.
Traveling fulltimers differ in that they have many residences instead of just two. The ACA doesn't address their situation, but if you insert their facts into the advice given to snowbirds, traveling fulltimers should get a plan that covers them wherever they are. The sticking point is where that plan should be based. It seems to me that the fulltimer's domicile is the only practical answer. Now, what constitutes domicile is a completely different subject.
I'm not sure what your situation is, but to change your insurance at this point, you'll have to qualify for a special enrollment period, so it's not a matter of deciding you want to have insurance in X state and getting a policy there.
In fact, if the Anthem/Blue Cross policies in Connecticut do indeed have access to the Blue Cross nationwide network, you can't switch to that from the plan you have now without a qualifying move to a new residence.
luvmydogs wrote:
Not alot of people think about the fact that when they are on vacation or traveling, THEY ARE NOT COVERED.
But they
are covered in an emergency, and that's really the only time a non-fulltimer would seek out medical care away from home. For routine care, they see their doctors in their hometown.
