If your life includes traveling from place to place in an RV, you probably make money in a variety of ways. As a "workamper," you might take on seasonal positions at your destination, float from location to location, work at a nearby national or state park, and more. Unfortunately these types of positions rarely offer health insurance. Whether you're usually healthy or often sick, you need health insurance! Here are a few options for health insurance for traveling full-timers.
Things To Consider
Not all insurance plans are created equal. There are co-pays, deductibles, splits, and more to think about when evaluating the costs of the coverage. Plans also vary by location. Many health insurance plans will only cover non-emergencies in your state of residence (not where you're full-timing it). For someone who is healthy and rarely sees a doctor, this may not be a big deal, but if you get sick often or are dealing with a chronic illness, non-emergency visits can quickly become an (expensive) issue. So in addition to evaluating the costs, also evaluate your needs and whether you'll be covered at your destination.
One resource many RVers are finding very helpful is TeleMedicine. This program allows you to contact a doctor by phone, with an app, or via the Internet. Most issues can be diagnosed this way and you pay a small fee. It's easy to see why this is becoming so popular. You can see the doctor from the comfort of your RV. There's no sitting in a waiting room full of germs. And prescriptions can be called in to a pharmacy near your campsite. If you’d like more information on this program, click here!
RVer Insurance Exchange
The RVer Insurance Exchange is a website dedicated to helping RVers find insurance for their needs. This includes insurance for the RV as well as health coverage for you. You can choose the company and plan that works best for you and get a quote based on your personal situation. Not sure which plan to go with? Call an agent that works with the RVer Insurance Exchange and they’ll help guide you and make sure you get exactly what you need. One positive thing we’ve found users saying is that these agents are very helpful, and unlike many other insurance agents, they won’t try to sell you coverage you don't need. To see the health plans and options, click here.
If you decide to go the route of an individually paid plan, check out eHealth.com. They have a lot of different options, including vision and dental. The carriers to choose from include Blue Cross Blue Shield, Humana, and HAP. You simply answer a few questions and you'll get pricing on different plans available. One thing we found when we took a look at this site is that pricing will vary depending on your location of domicile as well. They claim that “Plans start at $104 per month,” but based on our zip code, they started at $244 per month! To take a look at what kinds of plans they offer, click here. Just make sure you look over the plans and ensure they offer what you need and where you need it!
One great place to find individual plans is the Federal marketplace. This shows you all the plans that are approved by the Affordable Care Act, and will help determine if you qualify for any subsidies based on income. It seems great, however the first thing they have you do is choose a state. So again, when you’re looking over these plans, make sure that you'll be covered outside of your state of residence. If not, you’ll want to choose another plan or look for a supplemental plan to go with it (see the info on TeleMedicine above). You can research the different plans at the marketplace at HealthCare.gov.
There are faith-based organizations that offer programs where a group of people shares the cost of medical expenses. These can be a great option but they can also be very restrictive. Due to religious beliefs, some will not allow coverage for things like birth control. A few of these are Samaritan Ministries and Liberty Health Share. If this sounds like a good option, check out their websites to see how their plans work and what they will and will not cover.
Whatever route you go, we can’t stress enough to look over the plan with a fine-toothed comb first. Look for loopholes that allow companies to get out of paying for services when you're out of your state of residence. If you have chronic conditions, make sure a plan you're considering will not exclude “pre-existing conditions."
Whether you’re a current full-timer or are considering hitting the road full-time in your RV, there are health insurance options out there. You just have to do your homework to ensure you're making an informed choice.
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