DW and I are working through the issues involved in full-timing, and now we're trying to determine where to establish our new domicile. As most of the full-time community has already determined the 3 states that are the most attractive for relocation are TX, FL and SD. It's pretty easy to estimate most of the costs we will incur (sales/vehicle tax, registration, licensing fees, income taxes, mail forwarding, etc.) through some basic internet research.
However, when it comes to health insurance costs/policies/programs available in each state I'm stumped. I know we'll need insurance from a carrier licensed to operate within the state we choose to move to and we know we'll need a policy with good out-of-network coverage and that's where my knowledge ends. I've tried to read every post on numerous forums regarding domicile selection and health insurance. Most of the questions and answers are all similar in that they reference the fact that 'everyone's circumstances are different and you need to do your own research' - OK, got that.
So where do we do our own research regarding health care? The ACA just makes this even more complicated. I've tried logging onto state health care exchanges but I can't provide all the info they require so I can't get any insurance quotes (I thought I could game the systems to research this - wrong).
Can anyone comment on what you've found? Has anyone changed their domicile as a result of insurance choices?
Can anyone comment on which state has more choice? lower premiums? more liberal out-of-network rules?
Anyone care to offer any random advice/comments/sympathy/etc.?
Regards, Brad
Lucky Mike said
12:37 PM May 16, 2014
Top of the page.......click on RVer Health insurance , good place to start....very informative....familiar with the fulltime lifestyle!!
The Restless Youngs said
12:55 PM May 16, 2014
Ditto with Mike. Kyle at RV health insurance. Great guy and full time RV'er.
BJBoyer22 said
01:51 PM May 16, 2014
Thanks Mike & by. I never read banner ads. I'll check it out.
Technomadia said
02:54 PM May 16, 2014
Yup.. ditto on RVerHealthInsurance. Great service, and great information posted there.
And Howard wrote a great overview of it too, that I'm sure is searchable on their journal as well.
Best wishes,
- Cherie
BJBoyer22 said
05:10 PM May 16, 2014
Thanks once again for the referral to Kyle's website. I've just spent 3+ hours on the site reading, reviewing and comparing. This seems to be exactly what I was looking for. I've been coming to this forum regularly for a few months now and never once read his banner ad. How's that for tunnel vision! Anyway calling Kyle is on my 'to do' list for next week. See you on the road soon (we hope).
Alie and Jims Carrilite said
07:47 PM May 16, 2014
I went thru Kyle as well as a "resident" of South Dakota. WellMark- BlueCross Blue Shield is whom I ended up with. Took the silver plan for convenience of a little lower deductible and added the vision to it. We don't qualify for any assistance so it was easy for us.
el Rojo and Pam said
06:49 PM May 17, 2014
Kyle is number 1 in our book. Easy to deal with, very knowledgeable and no pressure!
Greetings,
DW and I are working through the issues involved in full-timing, and now we're trying to determine where to establish our new domicile. As most of the full-time community has already determined the 3 states that are the most attractive for relocation are TX, FL and SD. It's pretty easy to estimate most of the costs we will incur (sales/vehicle tax, registration, licensing fees, income taxes, mail forwarding, etc.) through some basic internet research.
However, when it comes to health insurance costs/policies/programs available in each state I'm stumped. I know we'll need insurance from a carrier licensed to operate within the state we choose to move to and we know we'll need a policy with good out-of-network coverage and that's where my knowledge ends. I've tried to read every post on numerous forums regarding domicile selection and health insurance. Most of the questions and answers are all similar in that they reference the fact that 'everyone's circumstances are different and you need to do your own research' - OK, got that.
So where do we do our own research regarding health care? The ACA just makes this even more complicated. I've tried logging onto state health care exchanges but I can't provide all the info they require so I can't get any insurance quotes (I thought I could game the systems to research this - wrong).
Can anyone comment on what you've found? Has anyone changed their domicile as a result of insurance choices?
Can anyone comment on which state has more choice? lower premiums? more liberal out-of-network rules?
Anyone care to offer any random advice/comments/sympathy/etc.?
Regards, Brad
Thanks Mike & by. I never read banner ads. I'll check it out.
For further information:
WheelingIt is has an awesome article on the topic: www.wheelingit.us/2014/02/28/the-aca-aka-obamacare-its-impacts-on-fulltime-rv-health-insurance/
And we have one at: www.technomadia.com/healthcare
And Howard wrote a great overview of it too, that I'm sure is searchable on their journal as well.
Best wishes,
- Cherie
Thanks once again for the referral to Kyle's website. I've just spent 3+ hours on the site reading, reviewing and comparing. This seems to be exactly what I was looking for. I've been coming to this forum regularly for a few months now and never once read his banner ad. How's that for tunnel vision! Anyway calling Kyle is on my 'to do' list for next week. See you on the road soon (we hope).
That's all I got.
Red.