Hello, we have Kaiser in northern Californian through the ACA. We used to use BC but they changed from a decent PPO to a terrible EPO that forced all local care to be done at the local very $$$ hospital. We used to be able to drive 40 minute to Reno, NV and get reasonable care. We changed to Kaiser and use a family members address. We recently sold our home so we are also mobile in the RV or in Mexico.
Our plan has a high deductible and we now also buy a annual travel insurance policy. I dont care about travel reimbursement but it also gives us 50,000 in health insurance. SInce we ski all winter, being without insurance coverage is not a good idea. Kaiser covers us in an emergency. I figure if its not a big enough emergency and they want us back in California, 50,000 is enough to cover stabilization, imaging and some testing.
When I communicated with Kaiser regarding coverage, I did it through email so i can keep all the correspondence in my records. The travel insurance is through DAN. Divers Alert Network. I also have their dive insurance (different plan) put it is not required if you just want to buy the travel ins. policy. We have not used it yet. I plan on usually paying cash or cc then submitting it for reimbursement. We are 58 and 59 yrs old. We pay 500/yr.
I was in direct healthcare for 25+yrs. We used to get an occasional patient that an insurance company would state was not “critical enough” and would require them to go home for treatment after they were stabilized. You could look for different travel insurance plans. World Nomads is another one.
