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.


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RV-Dreams.com Home -> RV-Dreams Community Forum -> We've Made The Decision To Full-time! Now What? -> Help! The health insurance problem AGAIN
Post Info TOPIC: Help! The health insurance problem AGAIN
Country Dancer


RV-Dreams Family Member

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Posts: 36
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Help! The health insurance problem AGAIN
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I have read the older threads about this, but I'm hoping to get some new information, and share a little as well. We will be full-timing as of June 1, and my employment and health insurance ends May 31. I had gotten the impression from earlier threads that there were options for folks who were truly full-timers, with no actual resident in any state. We are using Americas Mailbox in SD, and have a mailing address through them. I have researched and applied for a decent policy through ehealthinsurance, and found out from one of their licensed agents that they had no plans for someone who does not actually have a residence.  They would not accept our address through Americans Mailbox. Although we did not name that company, they somehow knew that our address was a mail forwarding service.

Does anyone have a health insurance carrier that might accept us without an actual residential address?

 



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Lenore

Husband Rick
Golden Retriever Kona
Mobile Suite 38RESB3 & GMC 3500
 
Ckerr


RV-Dreams Family Member

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Posts: 822
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Here's our plan. Enlist a good friend or relative to provide an actual physical address. We need to keep a mailing address in Austin in order to keep Johnny's VA base here which is important to us and a post office box is not allowed. My health insurance is through a private provider and in order to keep the rate somewhat down my health care network will be in Austin. If I need medical care while elsewhere I'll have to pay the out of network deductible.

Good luck!

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Carol

Carol Kerr Welch

Wife to Jeff, "Mom" to Chuy; Retama Village Resident

2018 Winnebago Horizon 40A,  Jeep Cherokee Limited, Harley Davidson Trike 

Realtor specializing in RV and 55+ Communities in the Rio Grande Valley

 

 
lmcallis


RV-Dreams Family Member

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We're South Dakota mail forwarding residents like yourself, but we use Alternative Resources out of Sioux Falls. I have health insurance from my former employer but my wife had to get her own health insurance as a "South Dakota" resident. Like you, she too was rejected by the big blue insurer because we only had a mail forwarding address. However, she was able to work with Mark Haines (markhainesinsurance@hotmail.com)  or ph 605-212-0021 who was able to set her up with a Dakota Care policy that has worked well for the last 9 months. Her rates are less than mine and the coverage is about the same. She did have to change to a primary care doctor in SD but she has had Dr visits in mutiple states (nothing major) as we've travelled and Dakota Care has been good to work with. So I'd recommend you give Mark a call and explain your situation and mention Dakota Care. Hopefully he'll remember what he did for my wife. (last name of Brinkmeyer)  If you have any questions send me a personal email through the forum for more specifics.  (Disclaimer; I am not associated with Mark or with Dakota Care)

Good Luck,

Lance



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Country Dancer


RV-Dreams Family Member

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Thank you thank you thank you Lance. This was JUST what I needed! Keep your fingers crossed for me!



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Lenore

Husband Rick
Golden Retriever Kona
Mobile Suite 38RESB3 & GMC 3500
 
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