Go Back   iRV2 Forums > iRV2.com COMMUNITY FORUMS > iRV2.com General Discussion
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
 
Thread Tools Search this Thread Display Modes
 
Old 02-20-2009, 10:19 AM   #1
EB
Junior Member
 
Join Date: Feb 2009
Posts: 3
I'm hoping I can get some advise from all of you. My husband and I are in our early 50s and hope to become full-time RVers this year (depends on sale of our house). We would be quitting our jobs and work on the road. We will be giving up our health insurance by doing this, but we are willing to pay for our own. Do any of you have suggestions of where to get the insurance? Also, do you have any experiences in reasons private insurance companies turn people down. We each take a medication, but are generally healthy. Any advise or shared experiences on this crazy insurance issue would be greatly appreicated!!!
__________________

__________________
EB is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 02-20-2009, 11:18 AM   #2
Senior Member
 
GaryKD's Avatar
 
Newmar Owners Club
Join Date: Jul 2006
Location: Wellington, Florida
Posts: 12,324
Hi EB and welcome to iRV2,
Consider doing a Google search on "health insurance". You'll get a bunch of companies to investigate. Health insurance is governed by state laws. So what is good for folks in one state may not be true for folks in another state. If you are keeping your current state as your domicile it may be easier for you to make this investigation. There are many big names to choose from. One of the questions to consider asking is if the company operates in all of the lower 48 states (my assumption is Alaska and Hawaii will not be your domicile).

My only personal bad experience is with Humana. I would not take them as a provider, even if it was free.

Currently we are through United Health Care. Go here to see their web site.
Good luck.
__________________

__________________
Gary
2005 Newmar KSDP 3910 + GMC ENVOY XUV 37K lbs Moving Down The Road
The Avatar Is Many Times Around The USA
Nobody Knows Your Coach Like Somebody Who Owns One Just Like Yours
GaryKD is offline   Reply With Quote
Old 02-20-2009, 06:23 PM   #3
Moderator Emeritus
 
K-Star's Avatar


 
Texas Boomers Club
Mid Atlantic Campers
Ford Super Duty Owner
Join Date: Jan 2000
Location: Fulltime - Currently somewhere in the lower 48
Posts: 2,215
EB

First let me say welcome to iRV2. We certainly hope you continue to visit with us and share your experiences.

Since you are in your 50's check out the AARP website. I cannot vouch for them at all. Another option is to check out an independent insurance broker. Remember, if you are fulltiming, you are going to want health insurance that you can use anywhere in the country.

Also, for medications, stop at Walmart and pick up a list of their $ 4.00 prescriptions. See if any on that list will work for you. In my experience, we have been able to fill prescriptions at Walmart any state we've been in. If it needed a refill, we just had our doctor call it in to the local Walmart we then call that Walmart and tell them to hold it. We then call the Walmart where we are and have them transfer it to them.
__________________
John, Joyce & Zoie the Terrier. - Fulltime since `08

2017 Solitude by Grand Design
2012 Ford F-450 Lariat
K-Star is offline   Reply With Quote
Old 02-21-2009, 02:54 AM   #4
Moderator Emeritus
 
TXiceman's Avatar


 
Vintage RV Owners Club
Texas Boomers Club
Oklahoma Boomers Club
Ford Super Duty Owner
Join Date: Aug 2000
Location: Full Time, TX Home Base
Posts: 17,150
Blog Entries: 21
Private health insurance is pretty expensive and you need a plan that will cover you where ever you travel. As noted, try AARP as they do have plans for their members.

Also, if you belong to any other organizations, check them for what they may offer.

Walgreens and Kroger also offer $4.00 prescriptions.

Have fun.

Ken
__________________
Amateur Radio Operator (KE5DFR)|Full-Time! - 2012 6.7L Ford Crew Cab Dually -2013 HitchHiker Champagne 38RLRSB - Travel with one Standard Schnauzer and one small Timneh African Gray Parrot
TXiceman is offline   Reply With Quote
Old 02-21-2009, 07:10 AM   #5
Member
 
jerry7's Avatar
 
Nor'easters Club
Join Date: Feb 2002
Location: ronkonkoma ny
Posts: 80
As another member metioned different states have different coverages,I have GHI and i can go to any doctor anywhere that takes the coverage i have found many states do take this GHI you might have to pay a fee,but check with GHI first and find out if youll be covered,So far i have used it in Fla ny pa and Ct.
__________________
2009 chevy 1500 ext cab black

5.3 V8 tow package 3.73 2009 Roo23ss.ultra Fab 3500,equalizer hitch 1000/10000.
jerry7 is offline   Reply With Quote
Old 02-21-2009, 07:48 AM   #6
Senior Member
 
Toby's Avatar
 
Join Date: Oct 2004
Location: Tallahassee
Posts: 521
EB

Go here www.insure.com and click on health ins. This will give you some indication of the cost from several companies. Always check on the availability of coverage when travelling out of your "home" state s/Toby
__________________
2006 Holiday Rambler Ambassador 38PDQ
Click on SHIP to enlarge CGC Sagebrush
Toby is offline   Reply With Quote
Old 02-21-2009, 08:18 AM   #7
Senior Member
 
Join Date: Nov 2006
Location: Grayson, GA
Posts: 862
EB

I don't know where you are domiciled but, if you are in the Southeast where there are Publix stores, check out their "free" list of generic drugs. I presently have an excellent insurance plan but, when I can, I take advantage of their free meds. It includes some of the meds taken daily as well as antibiotics. The doc just needs to prescribe the generic.
__________________
Dave and Karen -- '02 Ultimate Advantage 36 C, 350 HP Cummins, Allison 3060 Tranny
'07 Ford Escort, Brake Master 4160, '13 Ford Edge, InvisiBrake
David K is offline   Reply With Quote
Old 02-21-2009, 11:10 AM   #8
EB
Junior Member
 
Join Date: Feb 2009
Posts: 3
Thanks for your responses. Health insurance sure is a tricky business, isn't it. We are from Wisconsin; don't know that we'll keep that as our state of residence once we are full-timers. I'm sure at first we will until we get a feel for things. Without getting too personal, I'd also really like to hear from any of you who have any knowledge or experience about private insurance companies turning people down and what their reasons were. Thanks again. I'm watching closely.
__________________
EB is offline   Reply With Quote
Old 02-21-2009, 11:49 AM   #9
Senior Member
 
GaryKD's Avatar
 
Newmar Owners Club
Join Date: Jul 2006
Location: Wellington, Florida
Posts: 12,324
Hi EB,
Health and Auto Insurance are a lot alike. The company underwriter will assign a rate based on your application. The rate goes up based on past history. Eventually one of two things will happen:
1. You will not pay the rate.
2. The company will not insure you.
As best I know, #2 happens only in extreme situations (like having a terminal illness).

Consider checking around now, so you will have a handle on how your situation will be handled.
__________________
Gary
2005 Newmar KSDP 3910 + GMC ENVOY XUV 37K lbs Moving Down The Road
The Avatar Is Many Times Around The USA
Nobody Knows Your Coach Like Somebody Who Owns One Just Like Yours
GaryKD is offline   Reply With Quote
Old 02-21-2009, 02:45 PM   #10
Senior Member
 
Tom N's Avatar
 
Winnebago Owners Club
Pond Piggies Club
Appalachian Campers
Mid Atlantic Campers
Join Date: Dec 2002
Location: Sarver, PA/Crystal River, FL/Shelocta, PA
Posts: 4,604
Won't your current insurer allow you to continue with your insurance after separation?? You pay for it instead of your former employer.

-Tom
__________________
Sarver, PA/Crystal River, FL/Shelocta, PA · FMCA 335149 · W3TLN
2005 Suncruiser 38R · W24, no chassis mods needed · 2013 Honda Accord EX-L · 2008 Honda Odyssey EX-L

Tom N is offline   Reply With Quote
Old 02-21-2009, 03:18 PM   #11
Senior Member
 
Dadeaux's Avatar
 
Tiffin Owners Club
Join Date: Jan 2009
Location: Orange Beach, AL
Posts: 744
What Tom N suggests may be very important to you. If you have existing conditions, known or unknown it is very important to continue with your current insurer.

Law requires them to allow such in many cases.
__________________
Del & Charlotte
RVing - Time well wasted
2004 Phaeton 40TGH w/ 2010 Acadia
Dadeaux is offline   Reply With Quote
Old 02-21-2009, 04:48 PM   #12
Senior Member
 
Lindsay Richards's Avatar
 
Join Date: Dec 2007
Location: Tavares, FL
Posts: 1,644
We have been paying $1946/month total for my wife and I who are both cancer survivors through BC/BS. This is a crushing amount and we are just a few months away from Medicare. If you are both healthy, I would strongly consider getting a very high deductible and think of insurance as just a preventer of losing everything if you get very sick. You will have to pay for all of your out of pocket medical expenses. Catastrophic insurance is what it is called and is well worth looking into. I have had years where we paid well over $20,000 in premiums and didn’t even met our deductible. I have also been in the hospital with pneumonia for 8 days at $31,000. It is a crap shoot, but very expensive. Our total cost under Medicare with a very complete supplemental is about $600/month total for the tow of us. COBRA is required for 18 months and would be the way to go at first. The company’s normal cost plus a 15% administration fee is what it cost and it is usually cheaper than what you can buy as it is a group rate. There might very well be a network restriction that would make it unusable if you traveled.
__________________
http://www.linandnancy.com
Lindsay Richards is offline   Reply With Quote
Old 02-21-2009, 06:30 PM   #13
Senior Member
 
Join Date: Nov 2006
Location: Grayson, GA
Posts: 862
The comment about COBRA is correct in that under certain circumstances you can have it for up to 18 months. The increase in cost is a lot. As an example, my company is liquidating and when it is over with, I will keep the insurance in place (I am the only one on the policy --- my wife is insured where she works). At the present time, my monthly insurance premium is $84.00. Under COBRA, the insurance premium for the same insurance goes to $742.00 per month -- quite a difference. Just ask ahead of time about the COBRA coverage so you will not be that shocked at the increase in premium. Oh, the COBRA cost is for me only -- with my wife, the cost would increase to over $1,200 per month.
__________________
Dave and Karen -- '02 Ultimate Advantage 36 C, 350 HP Cummins, Allison 3060 Tranny
'07 Ford Escort, Brake Master 4160, '13 Ford Edge, InvisiBrake
David K is offline   Reply With Quote
Old 02-22-2009, 05:07 PM   #14
Senior Member
 
Jim Stewart's Avatar
 
Monaco Owners Club
Join Date: Nov 2008
Location: Melbourne & Marathon, Florida
Posts: 1,537
Dave, I just a clarification is needed on your post. I assume the $84.00 is your portion of the insurance and the company paid the rest. When you Cobra, your company no longer pays anything, so you have to pay both sides plue the premium. That is why it is so much more than when you just paid your $84.00 portion.

If I am incorrect, correct me, please.
__________________

__________________
2005 Safari Cheetah 38PDQ - 2009 Ford Flex
Me (Gatogonow), The Boss (DW), Honey Bunny, Maggie May and Mollie Kay (The Gatos)!
Jim Stewart is offline   Reply With Quote
Reply



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Health Insurance Alpenliteman iRV2.com General Discussion 5 09-04-2008 04:48 PM
RV Industry Health motojavaphil iRV2.com General Discussion 5 08-10-2008 11:28 AM
health insurance for a fulltiming cancer survivor pennie_gone iRV2.com General Discussion 7 02-15-2008 06:21 PM
Hello, I'm New Too, need health ins. luvin2rv New Member Check-In 4 11-19-2006 05:24 AM
High Deductible Health Insurance Carriage Guy Full-Timers 1 06-23-2006 05:55 PM

» Virginia Campgrounds

Reviews provided by


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 03:12 AM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.