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Author Topic: Another fulltime health insurance question  (Read 3693 times)

Hamilton2010

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Another fulltime health insurance question
« on: October 11, 2011, 09:02:21 PM »
My husband and I are going to begin fulltiming next year and we are going to be based out of South Dakota.  I'm looking for input on health insurance and I have read through many of the existing articles.  I'm 28 and hes 37 so were a long way from AARP or Medicare.  I was looking into Blue Cross Blue Shield but read that they wont allow an account if you dont have a street address.  We will only have a PO Box like many others.  Im now looking into Assurant Health and United Healthcare.  Does anyone out there have a nationwide coverage plan through either of these companies?  If so, what are your thoughts?  Or do you have any other suggestions for a good company we can get nationwide service with in South Dakota?
 
I know this topic has been covered many times and appreciate any new input!  Thanks!

seilerbird

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Re: Another fulltime health insurance question
« Reply #1 on: October 11, 2011, 09:07:42 PM »
If you are full timing you should not be using a PO Box. You should use a mail forwarding service, then you will have a real street address.

Jeff

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Re: Another fulltime health insurance question
« Reply #2 on: October 11, 2011, 09:12:22 PM »
We used Assurant (1 year for me, 2 for Sue) until we were eligible for Medicare) and had an $11,000 premium with $5000 dollar deductibles with exclusions or larger deductibles for everything mentioned in the health history on our applications.

Never had a claim but also couldn't find anything else that wasn't a HMO with limited coverage outside eastern SD.

Gary RV_Wizard

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Re: Another fulltime health insurance question
« Reply #3 on: October 12, 2011, 09:36:23 AM »
United Healthcare has excellent nationwide coverages - no HMO-like restrictions and a huge number of doctors and facilities that participate.
Gary
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Gary Brinck
Summers: Black Mountain, NC
Home: Ocala National Forest, FL

Pierat

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Re: Another fulltime health insurance question
« Reply #4 on: October 12, 2011, 10:11:16 AM »
We use mydakotaaddress.com, in Madison, SD, rather than the Post Office. We had no problem using that address with insurance. If you call Terri perhaps she can help you in your search. She is extremely helpful on most anything you need done. (Phone # on that web site.)
We Have Hung Up The Keys!
Washington State

Hamilton2010

  • Posts: 4
Re: Another fulltime health insurance question
« Reply #5 on: October 12, 2011, 04:57:08 PM »
Thanks so much for everyone's input!

I had just started looking into mail forwarding services and didn't realize they provided a street address.  I'll take a look at mydakotaaddress.com. 

Jeff

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Re: Another fulltime health insurance question
« Reply #6 on: October 12, 2011, 07:14:08 PM »
We also use a PMB, Alternative Resources in Sioux Falls,  with AARP (United HealthCare).

Pierat

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Re: Another fulltime health insurance question
« Reply #7 on: October 14, 2011, 10:39:22 AM »
I think some are considered as street addresses for voting purposes and some aren't. Check with the individual service and registrar.
We Have Hung Up The Keys!
Washington State

Kenneth

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Re: Another fulltime health insurance question
« Reply #8 on: October 14, 2011, 04:23:11 PM »
We have been living at the UPS store for 4 1/2 years now :)
Kenneth H, from League City TX, currently in Lakeland Florida !!

Chillyrodent

  • Posts: 1
Re: Another fulltime health insurance question
« Reply #9 on: November 13, 2011, 09:02:46 PM »
I'm glad to find this thread.  We will be looking for coverage when our employer plan goes to full COBRA payments in February.   :-\

How do you all find a company to work with in South Dakota?  I've checked ehealthinsurance.com for starters, and found no coverage for Lake County (Madison).  I'm not sure how to start digging in.  Should I talk to the Terri you all reference?

Pierat

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Re: Another fulltime health insurance question
« Reply #10 on: November 14, 2011, 10:19:42 AM »
Sure.
We Have Hung Up The Keys!
Washington State

Clay L

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Re: Another fulltime health insurance question
« Reply #11 on: November 14, 2011, 12:42:08 PM »
Blue Cross Blue Shield has a database that identifies many- maybe all - mail forwarding services street addresses as  a commercial address and not acceptable. They also require that you be in the state for six months each year. We ran into that in NH before we moved to SD.
In NH we were able to use our daughter's address and we rented a seasonal site we used when we were in NH in the summers, so we were able to keep our BC/BS policy.

When we moved to SD that was no longer possible and we went with a high deductible Assurant policy. We had no claims so don't know how they are on that front.

We are now both on Medicare with a United Health Care medi-gap  policy. We have had claims in several states with no problems.
 
Clay (WA5NMR), Lee (Wife), Katie & Kelli (cats), Sali (toy poodle)
Settled down after full timing for eleven years and snowbirding for one year in a 2004 Winnebago 35N Sightseer, Workhorse W 20 Chassis. Honda toad

 

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