Fulltimer's Health Insurance

[Mountain Aire III]

This isn't a thread to discuss the new Health Care package that Obama is trying to pass but rather a question to the Full Timers out there about Health Insurance. Has anyone found a good provider/carrier for full timers that don't have a fixed address? Something that doesn't cost an arm and a leg and yet will cover everything between and including an arm and a leg? Thanks for any info.

[Jim Stewart]

When my DW and I full timed several years ago, Health Insurance was a major concern. We chose Texas as our State of residence and made the acceptable arrangements; mail forwarding service, Driver's License, Voter Registration etc.

The reason we did choose Texas was my high risk insurance status. I could not get insurance and Texas had a law that required all health insurance providers in the State to take their percentage of people from a high risk pool and provide insurance. To qualify, you had to be turned down by three carriers and then you were offered options as to who to select. They could charge no more than 20% higher than a healthy individual of the same sex and age. It worked out well.

If you are healthy and have no problem qualifying for insurance, check out the AARP options. If you full time, a carrier that has coverage across the country is your best bet. That would be either Blue Cross/Blue Shield or United Healthcare if you select a limited geographic coverage provider, you would end up with a lot of out-of-network charges. Hope this helps you.