FT RV Health Insurance Options beyond these two?

[Radioherd]

Hi All,

We are starting FT around mid June this year (both will working contractors with LLC's) so our current employer plans will no longer be avalable/useless anyway with their networks.

So far we have explored these two options:

Health Share:

Healthy Nomads – The Complete Healthcare Solution For Travelers.

healthynomads.org

Indemnity Health Insurance Option:

RV Insurance Benefits

Plans we share with you are the same plans we insure ourselves with. All products are A- or better rated with AM Best.

rvinsurancebenefits.com

Are there any other options you would recommend outside of these two? We are comfortable self insuring to a point if we could get catastrophic coverage to cover a major incident. Out income will also be too high to get a reasonable ACA plan price and I don't think our state has any PPO options for having a good network anyway through the ACA.

Thanks for any thoughts or advice!

 

[JRS]

When we were looking for PPO coverage, of the 3 popular states (FL, TX and SD) that many chose to set up a domicile in, only FL offered the coverage (that was 3+yrs ago). We chose a BC/BS plan. I'm not familiar with the plans above.
If you go with FL, MyRVmail.com in Crestview FL has been good to work with (they also handle Good Sams mail service). When researching even the DMV Agent I spoke to knew of the business (it's a more rural county in the panhandle area). Okaloosa Co also has us set up to vote.
Also back when we did our research, Escapees.com had good info on setting up a domicile.
Good luck and hope the best

 

[DennisT]

We went through a broker to look at all the options available. A good one should be able to assist.

When we did ours they added some additional coverage for covering large deductibles etc to protect assets overall. These also cover expenses if we are out of our “home area” and something comes up.

Little different than full time but a good broker should be able to give you all the options and put together the best plan for you.

 

[templeton]

Neither of those options is health insurance.

 

[Radioherd]

Neither of those options is health insurance.

The first one is a Healthshare option, and the 2nd one is a link to the broker i have spoken with who has suggested an indemnity plan - which is health insurance (see attachment).

I was looking for additional options to replace traditional health insurance (which is nonsense anyway).

Both of these provide a level of protection, and thats what insurance does, so.

 

[traveltrailergold]

If you're hitting the road full-time, finding the right health insurance is key. If you don’t have pre-existing conditions, private health insurance in Florida is often 15%-25% cheaper than ACA plans. For those with pre-existing conditions, ACA plans may still be your best bet. To explore your options and find a plan that works for full-time RVers, check out the sterling brokerage - www.sterlinghealthagents.com - They specialize in helping people like you find affordable and flexible coverage that travels across the cross with a PPO network!

 

[flyboy013]

We are full timers and have been using Medishare for the past 6+ years. It’s not insurance. It’s a Health Care Sharing Ministry. The wife and I are health individuals and have had limited doctor/hospital visits during the 6 year period. We each ran up $40K+ bills one year and after paying our $10K family deductible, it was all covered. These types of plans are not for everyone. There is risk involved as they are not technically insurance policies, but we have been fine with that. I figured we have saved roughly $100K in the past six years compared to having an ACA compliant plan.