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Old 11-03-2015, 11:23 AM   #1
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Health insurance when traveling

I was wondering what people do about health insurance when living full time or traveling in a rv for extended periods of time? I was looking at health insurance plans and they all seem to be based on were you live. and by zip code. and ones I looked at had no out of state coverage.
what if I get ill in another state?, drive home?
thanks for any help with this question.


I think I am in the wrong category with this question. maybe a moderator could move it for me.
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Old 11-03-2015, 11:38 AM   #2
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I'm with Kaiser in California.

We are not full time but will travel for weeks and months at a time.

They provide us with a form to fill out if we have medical issues anywhere in the country so we are covered no matter where we go.
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Old 11-03-2015, 03:37 PM   #3
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I had Blue Cross/Blue Shield (Illinois) before I turned 65 and went on medicare. the policy at BCBS is that I was covered for emergencies anywhere in the country. I had a kidney stone in Arizona that was fully covered by BCBS. but non-emergency things required prior approval.
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Old 11-03-2015, 03:43 PM   #4
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Quote:
Originally Posted by R2V2 Beep View Post
I was wondering what people do about health insurance when living full time or traveling in a rv for extended periods of time? I was looking at health insurance plans and they all seem to be based on were you live. and by zip code. and ones I looked at had no out of state coverage.
what if I get ill in another state?, drive home?
thanks for any help with this question.
I think I am in the wrong category with this question. maybe a moderator could move it for me.
R2V2 Beep
I have Medicare and an American Republic supplement.
Medicare Supplement|Plan F|American Republic Insurance Company
Both are good nationwide.
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Old 11-03-2015, 04:28 PM   #5
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If you are on Medicare and have a supplemental policy, you are covered any where in the US. The premiums you pay are based on your official domicile.
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Old 11-03-2015, 04:34 PM   #6
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Another comment. I don't know if what I said above would apply if your supplemental policy involved an HMO a Medicare Advantage.
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Old 11-03-2015, 05:04 PM   #7
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Quote:
Originally Posted by R2V2 Beep View Post
I was wondering what people do about health insurance when living full time or traveling in a rv for extended periods of time? I was looking at health insurance plans and they all seem to be based on were you live. and by zip code. and ones I looked at had no out of state coverage.
what if I get ill in another state?, drive home?
thanks for any help with this question.


I think I am in the wrong category with this question. maybe a moderator could move it for me.
As you are probably not on Medicare, welcome to the new individual insurance market. Most plans offered are as you mentioned only good in your home state though most also cover out of state emergencies. There are some plans again depending on your home state, that will cover care out of state but with higher co-pays and or lower coverage.
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Old 11-04-2015, 03:55 AM   #8
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consider FMCA travel health insurance. it is a free benefit with membership.
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Old 11-04-2015, 12:01 PM   #9
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I have Blue Cross/Blue Shield and have been covered while traveling. Most urgent care clinics I've stopped at accepted this insurance, I just had to pay my copay. I also called them before going just to make sure they accepted my insurance.
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Old 11-04-2015, 12:16 PM   #10
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R2V2BEEP
consider FMCA travel health insurance. it is a free benefit with membership.
DAN L
FMCAssist which is included with an FMCA membership is NOT "health insurance".
See what it is/does here: https://www.fmca.com/benefits/fmcassist.html
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Old 11-07-2015, 10:56 AM   #11
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Our in network (home) yearly deductible is $12,000. Out of network (most anywhere on the road) is $30,000. As we've never been anywhere near $12,000/yr, it's really just catastrophic coverage at best.
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Old 11-07-2015, 11:24 AM   #12
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While not related to health coverage, one thing that I do is carry a copy of my medical records with me. This is something that I did while in the military and continue to do today. While we are not 'full time RVer's' we do travel and have never had issues getting medical help/coverage.
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Old 11-07-2015, 11:44 AM   #13
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If you are not Medicare eledgible, then your current plan should cover you wherever you might need care. We opted for a high deductible plan ($6,600) which was lower in cost and then funded our Health Savings Account (which is tax deductible). We now have almost 12k in the account and can access the HSA funds with a VISA debit card. We are still contributing to our HSA each year and plan on using the money to pay for our Long Term Care plan.
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