I will be going fulltime next summer 2013, and one of my concerns is health insurance, I;m 59 so I carry my own health insurance with Anthem and live in IN I would like to become a resident of SD but I don't know about the health insurance. Because of some health issues in the past I;m not sure I can get new health insurance if I would apply in SD.
I was wondering how other fulltimers that aren't on Medicare yet handle there health insurance?
Health Insurance is the one thing I don't want to be without.
Thanks
John
Cindy T said
01:28 AM Jun 2, 2012
John,
If you use the search box on this forum & type in health, you'll find several discussions on this topic that will probably help you.
I am self employed & pay for my own health ins. Before becoming a FTer last year, I intended to change residency to S Dakota. However, I found out that if I became a S Dakota resident, my health ins cost would triple. Needless to say, I did not change residency to SD.
Cindy T
Bozzi said
03:38 AM Jun 2, 2012
Thanks Cindy, I;m pretty new to the forums and didn't even think about doing a search..duhhh.. Yea I;m leaning toward keeping everything the same as residency and keeping my health insurance the same my feeling is there is to much risk in changing. Was just wondering how other people have handled it and if there are other options.
Technomadia said
05:23 AM Jun 2, 2012
We're in our late 30s, and are domiciled in SD. We each carry individual high deductible HSAs with a carrier that offers a nationwide provider network.
Best thing to do is call around, get quotes and see what works for you. Health insurance is a hassle for most anyone not working for a company that provides benefits.. not just us travelers. Our biggest problem is finding a plan that gives coverage across the country, and not just regionally based. The policy I had before I hit the road was regional and only covered me for emergencies if I was out of network... so that wasn't workable for me.
- Cherie
Workinrvers said
11:35 AM Jun 2, 2012
John,
Check out ehealth.com and you can get a quote on line for various zip codes. You can simply plug in a zip from say Rapid City, SD and compare prices from your current zip code in Indiana (or anywhere else for that matter).
We found it to be a good research tool.
We are also from Indiana (Lebanon) and still maintain residency here (for now anyway). We have pur own high deductable BCBS plan but notice the price for us is a bit more for similier coverage in SD.
Good luck,
Phil
Rosie RV Thumper and Dog Dog said
04:22 AM Jun 4, 2012
Also under Federal portability laws you can switch to another plan if you have a qualifying event without a health screening. Um...did I mention that I'm an insurance regulator? Check with your state insurance commissioner for help. There is a lot of information online about rates too. I'm going to have to fine my own insurance as well. My husband already has Medicare. Rosie
NINK said
02:24 PM Jun 6, 2012
If you're having any thoughts of switching to Texas, definitely get a quote for medical insurance rates. We just relocated to Texas and have been notified that our premium will be increasing $1000 per quarter when the next payment comes due. Needless to say, we're looking at other options. We, too, have a high deductible HSA, but even increasing the deductible doesn't bring the premium to a reasonable amount, or close to the amount that we're currently paying.
I will be going fulltime next summer 2013, and one of my concerns is health insurance, I;m 59 so I carry my own health insurance with Anthem and live in IN I would like to become a resident of SD but I don't know about the health insurance. Because of some health issues in the past I;m not sure I can get new health insurance if I would apply in SD.
I was wondering how other fulltimers that aren't on Medicare yet handle there health insurance?
Health Insurance is the one thing I don't want to be without.
Thanks
John
John,
If you use the search box on this forum & type in health, you'll find several discussions on this topic that will probably help you.
I am self employed & pay for my own health ins. Before becoming a FTer last year, I intended to change residency to S Dakota. However, I found out that if I became a S Dakota resident, my health ins cost would triple. Needless to say, I did not change residency to SD.
Cindy T
Yea I;m leaning toward keeping everything the same as residency and keeping my health insurance the same my feeling is there is to much risk in changing.
Was just wondering how other people have handled it and if there are other options.
Best thing to do is call around, get quotes and see what works for you. Health insurance is a hassle for most anyone not working for a company that provides benefits.. not just us travelers. Our biggest problem is finding a plan that gives coverage across the country, and not just regionally based. The policy I had before I hit the road was regional and only covered me for emergencies if I was out of network... so that wasn't workable for me.
- Cherie
John,
Check out ehealth.com and you can get a quote on line for various zip codes. You can simply plug in a zip from say Rapid City, SD and compare prices from your current zip code in Indiana (or anywhere else for that matter).
We found it to be a good research tool.
We are also from Indiana (Lebanon) and still maintain residency here (for now anyway). We have pur own high deductable BCBS plan but notice the price for us is a bit more for similier coverage in SD.
Good luck,
Phil
Rosie
If you're having any thoughts of switching to Texas, definitely get a quote for medical insurance rates. We just relocated to Texas and have been notified that our premium will be increasing $1000 per quarter when the next payment comes due. Needless to say, we're looking at other options. We, too, have a high deductible HSA, but even increasing the deductible doesn't bring the premium to a reasonable amount, or close to the amount that we're currently paying.