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 > Need Help on how to get health insurance while traveling

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Wandering

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Posted: 05/15/19 12:40pm Link  |  Quote  |  Print  |  Notify Moderator

allen8106 wrote:

Check out the Escapees club. I believe they offer some plans for full timers.

They don't offer major medical insurance that has access to a nationwide network, which is what fulltimers want.

Katy19

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Posted: 06/04/19 01:06pm Link  |  Quote  |  Print  |  Notify Moderator

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.

Rice

Wandering

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Posted: 06/15/19 09:55am Link  |  Quote  |  Print  |  Notify Moderator

Katy19 wrote:

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 found their website, and of course it doesn't have many details. Is incurring the expenses and submitting for reimbursement how the plan works? It could be, since they may not care how much you're paying as long as there's a cap on what they'll have to pay, and if you run up an unnecessarily large bill, that's not their problem.

Also, do you know what your policy defines as a "trip"? The website said it had to be more than 100 miles from home, which is no problem because one's regular insurance would cover the stuff close to home. But I'd want to be sure that being away from "home" for a year or more at a time would still be considered a "trip."

I'll also note that it excludes coverage for pre-existing conditions.

But I'm thinking that for people in a state that has Ambetter EPO policies (18 states), an arrangement like this might be an option, assuming a person has access to Ambetter's network in whichever states it operates, regardless of which state the policy was issued in. I don't know.

And Ambetter doesn't offer any out-of-network coverage at all, but then again neither do HMOs. At least with Ambetter, there might be options other than going to your home network, if all states where Ambetter issues policies are considered in-network.

luvmydogs

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Posted: 07/31/19 09:37pm Link  |  Quote  |  Print  |  Notify Moderator

We have a mail service in Florida, we have no other address at the moment. I'm told to be able to use our mail service address as a residence I have to get a fla. drivers license and register and insure my vehicles in Florida.Not changing my vehicles since they are registered with my LLC. My thought was to rent a room somewhere in Florida to use the address and then try to get a policy. Why would I have to have a vehicle registered in the state just to get insurance if I had an address. This whole thing has made it very difficult because as far as I know, I am only covered now for emergency rooms. When they move you out of the emergency room, your NOT covered anymore. This worries me on a daily basis.

luvmydogs

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Posted: 08/03/19 05:49pm Link  |  Quote  |  Print  |  Notify Moderator

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

luvmydogs

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Posted: 08/04/19 06:37am Link  |  Quote  |  Print  |  Notify Moderator

Katie sent you a private message

Optimistic Paranoid

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Posted: 08/04/19 06:53am Link  |  Quote  |  Print  |  Notify Moderator

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 . . .

lbrjet

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Posted: 08/04/19 09:42am Link  |  Quote  |  Print  |  Notify Moderator

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.


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Rice

Wandering

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Posted: 08/04/19 12:06pm Link  |  Quote  |  Print  |  Notify Moderator

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

Wandering

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Posted: 08/05/19 11:30am Link  |  Quote  |  Print  |  Notify Moderator

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!

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