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
cnehodgdon wrote:
We were able to purchase a plan through the NYS Exchange very similar to current COBRA plan. Biggest difference is the cost: we will be paying less than half of the COBRA cost. I called BCBS to get answers to my questions. Most important questions: are our current physicians on the panel and what happens if we get sick out of state.
All doctors are participating and if we get sick out of state, to use Urgent Care just like we would do after hours, etc now. If need for hospitalization while traveling it will be covered.
I was able to get answers I needed by calling both the state and BCBS and asking. Have I had to wait at times, yes, but questions were answered. There are significant pre-existing conditions that require healthcare so we had to have insurance one way or another.
X2
Not moving from Cobra but a private plan in NYS to BCBS. Premiums will be half of what we have been paying. Copay is less and $0 deductible. All of our doctors are on the plan as are all of our prescriptions. We will save thousands and get a better plan.
A question for full-timers, asked because we don't full time and I don't know - can you change your "residence" by just registering your RV in a state that has multi-state health plans under the new set up?
