Need Help on how to get health insurance while traveling

I have cleaned this thread up. If there is anymore political bashing I will close it

Rice wrote:
Or another way to put it is that insurance was required, and if you didn't comply, you incurred a financial consequence if you got caught. Compare it with auto liability insurance--if you don't have it, you incur a financial consequence if you get caught. But you never hear people talking about how those without auto liability insurance are merely exercising their choice not to have it, and instead choosing to suffer a consequence.

And sure, you have to wait until open enrollment to get insurance once you're sick, but the ACA's disincentive to do so is no longer applicable, so those who want to gamble and wait until they're sick are better off than they were before.

Driving without liability insurance is against the law in most states. Declining health insurance is not against the law in any state that I'm aware of. The ACA enrollment numbers didn't change much when the penaly went away. There are more people working now than ever before, this has probably has had more of an effect on enrollment than the removal of the penalty.

There are two types of this kind of coverage in an auto insurance policy: medical payments (Med Pay) and personal injury protection (PIP). In some states, PIP coverage is mandatory, so people might already have it without realizing it. PIP covers more than Med Pay (e.g., lost wages), and is generally more expensive.

The details vary by state.

But your suggestion made me think about what I have. I know that I opted for Med Pay on my RV policy, but I'm not sure whether I have Med Pay or PIP on my toad's policy--they are with different companies, and I shop the RV policy heavily, while I've had my toad insured with the same company for years, so I haven't thought about the toad's insurance in a long time. I need to check into that.

I'll throw out one more idea that I've read about but have no personal experience with.

On the RV Dreams website,on a page devoted to RV Insurance: Understanding the Coverages

https://www.rv-dreams.com/rv-insurance-coverages.html


They talk about something called Medical Payments insurance. They say:

Medical Payments (aka MedPay)

This is an optional coverage* which pays for the costs of medical care
for you, your family, and any passengers resulting from a covered accident. It may be used regardless of fault.

This coverage is fairly inexpensive and may be a great supplement to
your health insurance especially if you have a high deductible health
insurance policy. If you have medical costs resulting from an accident, this coverage pays quickly and may save you paying for a high out-of-pocket deductible.

It may also be worthwhile if you have no health insurance. It's
certainly not a substitute for health insurance and only kicks in if you are injured in a covered accident, but it may be worth the premium.

* - Some states require insurers to include a minimum amount of this
coverage.

Optimistic Paranoid wrote:
Have you considered getting one of those Medical Evacuation / Air Ambulance policies that will fly you back to your home state where your regular insurance will cover you?
...
Hope that helps . . .

I think it does! I went to the link you gave and it looks very interesting. I did quotes for people under 75: for one person it's $525/year, and for two people it's $725/year.

Of course the devil is in the details, as always, and I wouldn't get it without first looking at the actual plan documents. And it's of no help for fulltimers who are interested in a way to get routine medical care while traveling, but for healthy people who can't get insurance with a nationwide network and don't want to get wiped out because of an emergency, it might be a viable option.

Thanks for throwing something new in the mix!

Or another way to put it is that insurance was required, and if you didn't comply, you incurred a financial consequence if you got caught. Compare it with auto liability insurance--if you don't have it, you incur a financial consequence if you get caught. But you never hear people talking about how those without auto liability insurance are merely exercising their choice not to have it, and instead choosing to suffer a consequence.

And sure, you have to wait until open enrollment to get insurance once you're sick, but the ACA's disincentive to do so is no longer applicable, so those who want to gamble and wait until they're sick are better off than they were before.

Rice wrote:

ajriding wrote:
You wait until you are sick, then go get insurance.

Actually, it's the current administration that opened the door to this practice by no longer requiring everyone to have health insurance. Only now are they free to wait until they're sick to get health insurance, without any consequences.

The rules on getting insurance through ACA have not changed one bit. You can only sign up during open enrollment or if you lose your current insurance.

Not sure where you are getting your fake news from.

Insurance was never required either. It was your choice to get insurance or pay an extra tax. The current administration just set the tax to zero. It was always so low it didn't make a difference anyways.

luvmydogs wrote:
The only thing my insurance covers out of state is emergency room. Well that's great but if its something that needs surgery or if you have a stroke or something, that emergency room coverage wont cover it. I'm not old enough for medicare yet. So basically no one knows of any policies or coverage that covers you out of your own state? And basically the way the insurance works nowadays, you are held hostage in your own state, or pray that nothing happens to you when you cross state lines.

I'm coming to this kind of late, and being a retired state worker, I personally have good insurance that covers me anywhere, so I have no PERSONAL experience with this, but:

Have you considered getting one of those Medical Evacuation / Air Ambulance policies that will fly you back to your home state where your regular insurance will cover you? Some allow your spouse or another family member to ride along with you. There are even a few that will arrange for your RV to be returned for you.

Google Medical Evacuation Insurance and you will find a bunch of them.

Here's one: https://travelmedevac.com/?orid=1903

Hope that helps . . .

Katie sent you a private message

And we ALL PAY FOR IT!! One of the many things in the past sad few years.