State of residence for healthcare

[Zhidoni]

We are ready to go full time, but have hit a snag on state of residence. We live in MN, which has great healthcare options, but we need to have a mailing address. I know many people use SD, and that would work, except that it does not have good healthcare options if you are too young for Medicare. So we are willing to keep a MN residency, but are unable to find any services here like those in SD, TX or FL. we do not want to use FL because we plan on spending all our time in the West. And TX is pretty much out of our way too. One attorney in SD suggests having two addresses, one in SD and one in MN, but this seems unnecessarily complicated.
We do not have friends or family who could be our residence in MN, so that's not an option.
Has anyone else solved this problem?

[was_butnotnow]

sayoung wrote:

3oaks wrote:

stickdog wrote:

sayoung wrote:
Simple, don't get sick.

Simple enough.

Think so? :@

Good luck with that! Good luck is what it will take. Along with being lucky to never have a major accident sending you to the emergency room and/or requiring hospitalization. :E

You miss the point that when we get to MC age no matter what plan you have it's not enough if you get any major illness (cancer, heart attack etc)..
I had a full. Knee replacement this year & my share after MC still hasn't reached what a supplement costs per year. Maybe I'm wrong but do not consider this a major illness.

FYI I have had AARP Medicare Advantage Plan F issued for South Dakota. Noticed for 2016 there were no Advantage plans offered in SD. Called AARP and was told mine was grandfathered since once you have it they can't cancel it.

This site has great info and can help. Is endorsed by Escapees.
http://www.rverinsurance.com/

[sayoung]

3oaks wrote:

stickdog wrote:

sayoung wrote:
Simple, don't get sick.

Simple enough.

Think so? :@

Good luck with that! Good luck is what it will take. Along with being lucky to never have a major accident sending you to the emergency room and/or requiring hospitalization. :E

You miss the point that when we get to MC age no matter what plan you have its not enough if you get any major illness (cancer, heart attack etc)..
I had a full. Knee replacement this year & my share after MC still hasn't reached what a supplement costs per year. Maybe I'm wrong but do not consider this a major illness.

[Zhidoni]

We have indeed been thinking about NV, and if we ever settle down again may live in Reno. Close to kids in CA, but cheaper to live in.
by the way, my profile info is way out of date. i just cannot find a way to change it!

[kerrlakeRoo]

The comments on the need for the insurance to be issued for where you really are is part of the reason I mentioned Nevada.
Those who winter in Az or NM are still within a days drive of NV, and if their summers are in Wa, Or, or Wy, they still are as well.
Most plans do look for you to select a network, and today most of those medical networks are centered around a University system or a Hospital based company like Sentara. With Nv the State medical universities I understand have campuses both in Vegas, as well as up in the northern reaches of the state making the entire western area within a days drive of an "in network" doctor.

[3oaks]

stickdog wrote:

sayoung wrote:
Simple, don't get sick.

Simple enough.

Think so? :@

Good luck with that! Good luck is what it will take. Along with being lucky to never have a major accident sending you to the emergency room and/or requiring hospitalization. :E

[Zhidoni]

we hope not to spend much time anywhere. nevertheless, MN would be our base, our ""come back to " place.

[TechWriter]

The ACA is concerned where you actually live, not necessarily the state you claim as your residence or domicile. See State Residency & the ACA.

For example, if your domicile or residence is MN, but you spend most of your time in FL, then the ACA would probably consider FL as your residence for health care plans. Having a FL mail service address would not change this.

[Zhidoni]

Bill, pretty sure their clients do include full-timers, but will double-check
thanks. in our eagerness to get on the road and escape the subzero weather we wouldn't want to overlook the details!

[Bill_Satellite]

The term Snowbird is used for folks who live in the North for 6 months or so and then travel South for the Winter. This assumes they have an actual home to return to for those 6 Summer months. If this is your one and only address and you plan to live in your RV, and only your RV, year-round then you are a full-timer. Just be certain that the business can legally allow you to be a State resident using the address they provide.

[avan]

For 10 of our 15 yrs of FTing, we were under the 'medicare age'. Over that time we domiciled in FL, TX and finally for 8 yrs in SD. Our D/L etc were from those states. We also however for all those years kept an address in our old home state. We 'rented' a closet in my brother's home and used that address for our continuation insurance. Pretty easy to do. Whenever (rare) it was necessary to write the ins company we merely used my brother's return address. When using 'foreign' medical services, like a hospital, we'd put in our PMB mailbox address and annotate it as "mail forwarding address only". We would try to obtain one medical service each year in the insurance state. I got a letter about 5 yrs in from my insurer noting that most of my claims were via other states and wondering about the PMB address. I replied that we were retired and took frequent trips to see kids, friends and places of interest and that, like my insurance company which uses a PO Box for premium payments, we also elected to have a mail drop where we could conveniently obtain our mail no matter where we were at the time. Even more legitimate today no that mail services will scan incoming mail for you and then open and scan the contents of pieces that you request and trash the rest.

[Zhidoni]

i just visited one of their physical locations. turns out that MN "snowbirds" use this address for banking, cc, mvd registration, etc.

[Bill_Satellite]

Zhidoni wrote:
thanks, kerrlakeRoo. your answer is spot on, and so simple i feel like an idiot for even posting. here is what i found
https://ipostal1.com/

That will work assuming you have an "actual" residential address as this type of mail forwarding service cannot be use as your residential address. Few, if any, CC companies, banking or Government agencies would accept this as a legit address. Just be sure you get all the necessary details if you plan to stay in MN but don't have an actual address you can associate yourself with.

[stickdog]

sayoung wrote:
Simple, don't get sick.

Simple enough.

[sayoung]

Simple, don't get sick.