Hi Everyone. Well, after 15 years the RV-Dreams Community Forum is coming to an end. Since it began in August 2005, we've had 58 Million page views, 124,000 posts, and we've spent about $15,000 to keep this valuable resource for RVers free and open. But since we are now off the road and have settled down for the next chapter of our lives, we are taking the Forum down effective June 30, 2021. It has been a tough decision, but it is now time.


We want to thank all of our members for their participation and input over the years, and we want to especially thank those that have acted as Moderators for us during our amazing journey living and traveling in our RV and growing the RV-Dreams Family. We will be forever proud to have been founders of this Forum and to have been supported by such a wonderful community. Thank you all!!

Members Login
Username 
 
Password 
    Remember Me  
Post Info TOPIC: Figuring out state to domicile


RV-Dreams Community Member

Status: Offline
Posts: 5
Date:
Figuring out state to domicile


Trying to figure out what the best state between FL, TX and SD for domicile.  My wife and I will need health insurance since Medicare options will be several years out.  SD appears a good option.  Any previous experience positive or negative with either of these RV friendly states would be helpful.  thanks.

 



__________________
Peter Julo


RV-Dreams Family Member

Status: Offline
Posts: 3721
Date:

"My wife and I will need health insurance since Medicare options will be several years out." That rules out SD, since all of their individual plans cover you only in the state and many fulltimers have had to choose FL or TX instead. We are using WA, so have no skin in the game.

__________________

Bill Joyce,
40' 2004 Dutch Star DP towing an AWD 2020 Ford Escape Hybrid
Journal at http://www.sacnoth.com
Full-timing since July 2003



RV-Dreams Family Member

Status: Offline
Posts: 107
Date:

We have Florida Blue and are covered anywhere in the country for healthcare insurance.
Florida has no state/local income taxes and the sales tax rate is 6% - 6.5%. Not too bad from a tax perspective.

__________________

2016 F-450 Lariat

2016 Arctic Fox Silver Edition 32-5M



RV-Dreams Family Member

Status: Offline
Posts: 396
Date:

If you're not already a member, join the Escapees RV Club and read through their extensive library of information on domicile for full-time RVers. A lot of research has gone into their resources. We are Texas residents (domicile and mail services provided by Escapees), but can't help you much with health insurance since I'm retired Army and we have Tricare.

Rob

__________________

2012 F350 DRW Lariat 6.7

PullRite OE 18K, Demco Glide Ride pinbox

2020 Solitude 310GK-R, MORryde IS, disc brakes, solar, DP windows

Full-time as of 8/2015

 

 



RV-Dreams Family Member

Status: Offline
Posts: 813
Date:

Medical is an issue with SD as noted…we shifted from SD to FL last winter. Not medical insurance related but not wanting to drive to SD in December to renew licenses related. Cost is a little more expensive overall with FL.

The key is to get a good mailing service that scans stuff so you can do almost all online and only rarely get actual paper sent. Escapees has a service…but unless they've changed recently all your mail from their FL location gets sent to the main office in TX before being forwarded. We use St. Brendan's Isle in Green Cove Springs…they started as a boat cruiser mailing service and expanded into RVs…great service and we only rarely need actual mail forwarded to us. https://sbi.com.

SBI has a great becoming a FL resident checklist on their site and will help you with a good deal of the paperwork. Chris and Cherie from Technomadia have an article on their site about becoming a FL resident as well with lots of info…but pretty much following the checklist fro SBI works as advertised.

While not strictly domicile related…you can set up all of your financial accounts for Transfer on Death beneficiary if your number of beneficiaries is low enough for that to not be too complicated. That gets all of those assets transferred outside probate and makes your executor's job a lot easier. FL has a thing called a Lady Bird Deed…I assume it's named after the former First Lady…that allows you to transfer real property like a home or condo outside of probate as well…but I don't think you can do one of those for vehicles or RVs. Not sure if other states have a similar provision.

 



-- Edited by Neil and Connie on Monday 30th of October 2017 11:38:34 AM

__________________


RV-Dreams Family Member

Status: Offline
Posts: 45
Date:

Go to the Escapees forum www.rvnetwork.com. Go almost all the way down to Health Issues and Medical Insurance. There's information there regarding health insurance. From what I can gather, FL is about all that's left for nationwide coverage (EPO/PPO) if you're looking at SD, TX, or FL, which is what you want for traveling. There's also a good thread in the fulltimers section at irv2.com regarding FL. Good Luck!!



-- Edited by Dance Chick on Monday 30th of October 2017 01:48:42 PM

__________________

Gene, Gayle, & Oliver-(the dog), 2006 Holiday Rambler Endeavor 40 PDQ,  2012 Honda CRV



RV-Dreams Family Member

Status: Offline
Posts: 207
Date:

Nina at wheelingit.com posted a good overview on 2018 healthcare options, focused on FL, TX and SD (http://wheelingit.us/2017/10/31/health-insurance-time-2018-considerations-for-pre-medicare-rvers/). If you read the article, I would suggest also reading through the comments -- some good information was shared.



__________________

2014 New Horizons Majestic 40'
2014 Ram 5500 HD with Utility Bodywerks hauler body

Enjoying this chapter in our lives!!!



RV-Dreams Community Member

Status: Offline
Posts: 5
Date:

Thank you for the advice.  we really appreciate your thoughts.



__________________
Peter Julo


RV-Dreams Family Member

Status: Offline
Posts: 70
Date:

Many thanks for that post, Lynn or Ed, and kudos to the author Nina. I had just received notices on the need to shop for a plan yet again (just set up Florida Blue a few months ago). Florida Blue offers an easy re-up path, but I had gotten an email from the RVer insurance specialists (Portia I think) about the new option available. Sounds like I wouldn't fit in the niche for that, though the telemedicine option would certainly have come in handy.

The whole system is nuts, but thank heaven for people who try to help the rest of us navigate!

__________________

 

2008 Dodge Durango

2017 Salem 171RBXL



RV-Dreams Family Member

Status: Offline
Posts: 95
Date:

Melody,
Yes the whole system is nuts, we too are pre Medicare, but fortunate to still have same health insurance as retiree as when I was an employee for state of NY. However getting a Dr to see you for just one visit for a med refill was a chore. One of my meds is a "controlled" substance, so prior physician couldn't just call it in. We took Neil's advice and have St B I for mail, we too are happy with their service.
We left NY, in September and will become FL residents when we get there in December. No, not just by crossing the state line, but like much else one step at a time.


__________________

Bill and Laurie

2002 Airstream Land Yacht 39ft DP

2019 VW Jetta, toad

FT since 9-17-17



RV-Dreams Community Member

Status: Offline
Posts: 2
Date:

sales tax 7.5% most places FL. otherwise what he said Robodriver



__________________
crpatten


RV-Dreams Family Member

Status: Offline
Posts: 95
Date:

Piece of FL info

__________________

Bill and Laurie

2002 Airstream Land Yacht 39ft DP

2019 VW Jetta, toad

FT since 9-17-17



RV-Dreams Family Member

Status: Offline
Posts: 95
Date:

Whoops hit post too soon. Anyway, we were paying close to 9% sales tax in our part of NY. Had to pay that when registering our MH back in June. In FL, if one's RV has been registered elsewhere for more than 6 months prior to FL registration, no FL sales tax issue. Please see a formal list. But I recall this part

__________________

Bill and Laurie

2002 Airstream Land Yacht 39ft DP

2019 VW Jetta, toad

FT since 9-17-17



RV-Dreams Family Member

Status: Offline
Posts: 107
Date:

robodriver wrote:

sales tax 7.5% most places FL. otherwise what he said Robodriver


 I might be wrong, but I think the sales tax in Florida is 6% and some counties might add on an additional .5%. We live in Martin County and our sales tax rate is 6%.

 



__________________

2016 F-450 Lariat

2016 Arctic Fox Silver Edition 32-5M

Page 1 of 1  sorted by
 
Quick Reply

Please log in to post quick replies.

Tweet this page Post to Digg Post to Del.icio.us