RVer selecting health insurance
I like many others needs to pick an new insurance carrier quickly. Now that the website is working better I can look at some of my options. Because we're full timers we must have a policy that can w...
Forum Discussion
dahkota wrote:cire wrote:
I like many others needs to pick an new insurance carrier quickly. Now that the website is working better I can look at some of my options. Because we're full timers we must have a policy that can work anywhere in the country. First question: How do I find which carrier will cover me when I travel. I'm not afraid of doing homework. I just don't know where to start.
Start with the state in which you are a resident.
Then look at the Multi-State Plan Program list. If your state is in Blue, they offer a plan with a national network (clicking on the state will get you the list of plans). If your state is not listed, you may still be able to get a multi-state plan. Typically they are PPOs (HMOs and POCs have limited networks).
Another option is to look at the websites of insurance companies in your state. The offer plans that comply with the ACA but are not necessarily in the Exchange.
You can get your insurance directly from an insurance company if you do not expect a subsidy. If you do, you will have to go through the exchanges.
Currently, Blue Cross Blue Shield offers the largest number of providers in their nationwide directory. We easily found a very well priced nationwide PPO plan that is HSA eligible. It is available on the exchange, but we purchased directly from the insurance company.
Thank you for that link.......
First time I've seen the discussion about full time travel and ACA coverage have an actual answer.
Looks like 'domicile' in SD is going to be a problem on getting medical services/treatments outside SD without having to pay 100% out of pocket.
