Here'n'There
Texas
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Joined: 10/09/2008
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If you and/or significant other qualify for VA Heath Care .... DO IT! As fulltimers, DW and I bounce around the country - yes - sometimes changing VA locations can be a PITA but in the end - GREAT health care coast to coast.
Here'n'There
2009 Carri-Lite 36SBQ 5th Wheel
2008 Dodge Ram 3500 Quad Cab Long Bed Diesel Dually
On the road with Here'n'There
Role of the C133 in Viet Nam
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westernrvparkowner
montana
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Joined: 11/29/2008
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Big Katuna wrote:Its law to buy vehicle insurance. Whats the difference? Everyone should morally have insurance so that they don't burden those of us who do.
The "Don't get sick and if you do, die quickly" plan isn't working so well. The difference is you are not required to drive or have a car, you pretty much need to live. Mandating that we buy something, anything is a gross overreach by the government, in my opinion. If they can require us to buy insurance, they can require us to buy just about anything. To me, at least part of the answer is to allow insurance companies to have the option to get a federal guarantee and approval, instead of needing such guarantee and approval for each individual state, and allow them to sell anywhere. Montana has exactly two state licensed and approved health insurance providers, not exactly a competitive situation. If I could shop around, I am sure I could find better pricing and coverages than I currently have, but that is not an option.
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ezridn
Houston
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Joined: 09/04/2008
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Thanks so much for all the information. I forgot about the state
ins. pool. We also had planned for big increases in health care
when we retired...but creeping close to a grand for 5k ded also,
alot more than we palnned for too
2005 28e33 Glendale Titanium
2001 Ford 250 diesel
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ezridn
Houston
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Thanks
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orfsotr
Missouri
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Joined: 07/03/2011
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Also good to remember that if you are self-employed or itemize your tax return part or all of your premiums may be tax deductable. Ask your tax preparer!!! (Though personnally I am constantly writing to my congressmen saying that this should be changed and EVERYONE who pays their own health insurance premiums should get a tax break!!)
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hallock5
Texas
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Joined: 01/30/2012
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Do not overlook Christian health care pooling ministries where Christian members pay for each others' care. Also, exempt from Obamacare regs. Again, NOT insurance, but operate similarly. I am 53 and pay $135 mo, with the first $300 of each event being my responsibility. If you need any more details, PM me. I am with Samaritan Ministries, but there are 2 others. Over 20K members in my org.
2008 Jayco Eagle Superlite 28.5RLS
2002 Ford 4x4 SuperCab 7.3 (Jr International) Diesel
Sad to say, time to sell to a good home.
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Brassica
Snow belt
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Joined: 01/19/2011
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Don't let your current health insurance lapse without starting another insurance plan. I read that you can "force" another insurer to cover you if you have already been continuously insured. Companies like United Health and Aetna are required to accept you.
nina_70 wrote: We have a high-deductable plan...basically "catastrophic" insurance. It covers nothing except big events, and that's what we insure for. We pay everything else (smaller hospital visits, yearly checks etc.) out of pocket. The main advantage is that it's inexpensive ($150/mo for both of us combined). Of course it helps that we're younger and healthy.
...
Pick a high deductible plan so that you are not paying premiums way above $1000/month. You can go to www.aetna.com and see what rates you can get with different deductibles.
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searfoss
East Stroudsburg PA USA
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Joined: 02/15/2004
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My DW and I are looking ahead to our full timing so we have lurked around reading this forum. Yeah health insurance could be our deal breaker. When we retire I will be 55 she will be 62.
Poconos Pennsylvania
2007 Gulf Stream Gulf Breeze 23TRS
2004 Dodge Ram 1500 Quad Cab
4X2 5.7 hemi 3.55 rear
RIP Mike, we miss you so much
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hoz
Indiana
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Joined: 04/19/2012
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If you have a pre existing condition that would disqualify you for health insurance (until 2014 when the Affordable Healthcare Act comes fully in effect) check out PCIP.gov. It's part of the healthcare act and is run by the states or the Federal government if the states are dragging their feet. Premiums are very reasonable, and vary state by state.
The only kicker is you have to be UNINSURED for 6 months before applying. Once that 6 month wait period is satisfied you need a letter from your doctor stating your pre existing condition, the application is online.
https://pcip.gov/
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wtmtnhiker
New Hampshire
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Joined: 10/30/2009
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John&Joey wrote:Big Katuna wrote:Its law to buy vehicle insurance. Whats the difference? Everyone should morally have insurance so that they don't burden those of us who do...
X2, and unemployment insurance, SS, and Medicare. Government is (WAS) setup to do what was morally right for it's people, since it is FOR the people and not the health care industry.
The only young snowbirds I mostly see now are from Canada. I think I know the reason why they are enjoying snowbirding (or FT'ing) while Americans are waiting to hit 65.
Where I live i don't have to buy vehicle insurance. The point I would make is that you don't have to buy a vehicle (in theory only practically you do) and you can do a whole lot of damage to someone else's property and person with a vehicle. If you ignore your health it only hurts you.
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