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11-05-2020, 12:41 PM
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#1
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Member
Newmar Owners Club
Join Date: Jun 2017
Location: Full Time
Posts: 76
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Florida ACA for use around the country
This is my first year domiciling in Florida. I'm 58 so don't qualify for medicare yet and am in good health. One of the reasons I chose Florida was because I thought I read where some of the insurance options (Florida Blue rings a bell) were usable throughout the country and not just in Florida. Now when I'm looking for specific policies, Florida Blue tells me they don't have a product that can be used throughout the country. The agent didn't seem very knowledgeable so thought I'd ask here.
I'm also considering an indemnity plan, but that has some drawbacks that I'm not sure I'm comfortable with. I'm not interested in a healthshare plan.
__________________
2017 Newmar Dutchstar 4018
2022 Ford F-150 2017 Jeep Grand Cherokee
Blue Ox Avail & Rvi Brake, Freightliner/Allison
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11-05-2020, 01:50 PM
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#2
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Member
Join Date: Aug 2016
Posts: 82
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We have a Florida Blue Select plan through the ACA going on 4 years as full timers. We have used it in multiple states outside of Florida without any issues. The agent I spoke with told us the plan we have will consider any provider outside of Florida that accepts Blue Cross Blue Shield in network.
Contact Kyle from the Nomad Insurance Group as they specialize in all types of insurance for RVers.
__________________
2014 Tiffin Allegro Bus 45LP; 2016 Jeep Wrangler Unlimited
Blue Ox Aventa LX - M&G Brake System
Good Sam and FMCA Member
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11-05-2020, 07:24 PM
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#3
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Senior Member
Join Date: Jan 2011
Location: Wandering below the Gnat Line
Posts: 1,995
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I have a BCBS EPO ACA plan that's good everywhere. Look for PPO or EPO. It _may_be limited by your location in Florida; I'm in Green Cove Springs.
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-jbh-
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11-06-2020, 01:18 PM
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#4
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Senior Member
Join Date: Aug 2012
Posts: 1,317
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Quote:
Originally Posted by johnhicks
Look for PPO or EPO.
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To be even clearer, make sure it's not a Florida Blue HMO.
If you use the Exchange's website, you can filter by PPO/EPO and HMO. Here's a link to shop for plans without creating an account or actually applying (I always have trouble remembering how to get there from the home page):
https://www.healthcare.gov/see-plans/#/
On healthsherpa.com, you can filter by carrier, and they have Florida Blue and Florida Blue HMO as two different carriers.
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11-08-2020, 03:35 AM
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#5
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Registered User
Join Date: Apr 2020
Posts: 1,603
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What many people have found out is that the Affordable Care Act made their health insurance unaffordable. Also, most plans don't cover out of network and out of area providers. You can solve these problems by going to a healthcare sharing ministry. These were excluded from the ACA. I signed up for Medishare at about 1/3 the cost, and they have a network that covers most of the country and most hospitals.
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11-10-2020, 10:47 AM
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#6
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Senior Member
Join Date: Aug 2012
Posts: 1,317
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Quote:
Originally Posted by move on
You can solve these problems by going to a healthcare sharing ministry.
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The OP said, "I'm not interested in a healthshare plan."
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11-10-2020, 11:20 AM
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#7
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Senior Member
Ford Super Duty Owner
Join Date: Dec 2010
Posts: 1,799
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Buy something standard from Florida Blue, not an HMO but a PPO. There is no specific geographic network and for years we used doctors in Florida as well as new york. Any doctor that accepts Blue cross is considered "in network"
I do warn you that it won't be cheap but quite flexible. Something like $700 a month with a $2,500 deductible. That's so we can all pay for people to get insurance from the ACA for next to nothing.
__________________
Scott Brownstein
Palm Island, Florida
2015 Georgetown 335DS
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11-10-2020, 02:45 PM
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#8
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Senior Member
National RV Owners Club
Join Date: Sep 2014
Posts: 234
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Affordability of ACA plans depends on the level of coverage and your income level. Our Bronze plan has a high deductible but we are reasonably healthy and don’t run to the doctor for every little sniffle. Our monthly premium, based on our income and subsidy is VERY affordable.
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11-10-2020, 05:42 PM
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#9
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Registered User
Join Date: Apr 2020
Posts: 1,603
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Yes. I realize that now. Thank you. Still, I think people should be aware of this very good option.
Quote:
Originally Posted by oatmeal
The OP said, "I'm not interested in a healthshare plan."
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11-11-2020, 12:59 PM
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#10
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Senior Member
Join Date: May 2009
Location: Mariposa, CA
Posts: 3,928
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Quote:
Originally Posted by move on
I think people should be aware of this very good option.
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First, none of the health share ministries are actually health insurance. These ministries are under NO obligation to pay any of your bills.
Second, most, if not all, of these ministries have restrictions on pre-existing conditions. Read the fine print before you sign up.
Finally, these are a number of health share "horror stories". So buyer beware:
- It Looks Like Health Insurance, But It's Not
- Buyer Beware (from Houston Chronicle)
- Washington State Bans Trinity Healthshare
__________________
2003 - 2010: 2004 35' National RV Sea Breeze LX 8341
2010 - 2021: 2001 41' Newmar Mountain Aire 4095
2021 - ???? : 2001 31' National RV Sea View 8311
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11-11-2020, 03:26 PM
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#11
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Registered User
Join Date: Apr 2020
Posts: 1,603
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Correct. They are technically not insurance. They are a cost sharing system. This is what enables them to escape the Obamacare law. It is a far more efficient system without profits and without freeloaders.
When Obamacare was first enacted they were excluded because there were not enough votes in Congress otherwise. Now they have become increasingly popular as people can no longer afford their insurance.
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11-11-2020, 04:40 PM
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#12
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Senior Member
Join Date: Jun 2011
Location: FL
Posts: 11,403
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The wife just started collecting SS. Her health coverage eats up 75% of that. Go figure. Yes we are in Florida.
__________________
Certified Senior Electronic Technician, Telecommunications Engineer, Telecommunications repair Service Center Owner, Original owner HR 2008
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11-11-2020, 06:58 PM
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#13
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Registered User
Join Date: Apr 2020
Posts: 1,603
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If she is collecting SS doesn't she have Medicare?
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11-11-2020, 08:43 PM
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#14
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Senior Member
Join Date: Jul 2014
Posts: 35,349
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Quote:
Originally Posted by move on
If she is collecting SS doesn't she have Medicare?
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Not for the first 2 years of collecting SS.
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