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MedCad

Mohave Desert

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Joined: 12/21/2022

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Posted: 03/06/23 10:38am

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Anyone have experience with getting private nationwide health insurance from rverinsurance.com and the broker/agent Mike Neighbours? (private - not Obama Care / ACA)

Specifically health insurance issued by New Era Insurance and its Philadelphia American Insurance. Question is, when the day comes to file a claim do they pay out or jerk you around?

thanks in advance

Ro"n"Joe

Full Timing

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Joined: 12/09/2010

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Posted: 03/12/23 10:21am

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We had both and would suggest going elsewhere. Wouldn't pay for a flu shot and DW's female tests. If you have an existing med issue, they won't cover anything for the 1st yr of coverage.
Didn't work with Mike Neighbours
Good luck

2020 Dutch Star 4328 on FL Chassis
2018 Grand Cherokee Limited
Ready Brute Elite Towbar & Road Master Wiring

Rice

Wandering

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Joined: 06/21/2003

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Posted: 03/16/23 02:46pm

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MedCad wrote:

What do you mean "private" health insurance? ACA policies purchased on the Obamacare Exchange are private health insurance--the Exchange is merely a way to buy one and apply a subsidy if you qualify for one. My experience is that any plan you buy on the Exchange can be bought directly from the company, the only difference being that if you buy it directly from the company rather than on the Exchange you can't receive a lowered premium due to a subsidy.

So I'm curious about what "private" health insurance is. Is this a term your agent used?

What I suspect is that the policy you're looking at is not health insurance, but instead an indemnity plan. Indemnity plans might work for a given person, but there's a lot of history of people buying them without understanding exactly what it is they're buying.

If you're looking at a fixed benefit indemnity plan, you should read this:
https://www.brookings.edu/blog/usc-brook........is-a-problematic-form-of-junk-insurance/

If you're looking at short-term limited duration health insurance, you should read this:
https://files.kff.org/attachment/Issue-B........t-Term-Limited-Duration-Health-Insurance

With regard to Philadelphia American Insurance, here's a lengthy discussion about it. It veers a little in the middle when an insurance salesman jumps in claiming to offer exactly what traveling fulltimers want (major medical insurance with a nationwide network), only it turns out not so much. But at the end of the thread, somebody shows up with what he found out when considering and researching a fixed indemnity plan with Phildalephia America.

https://www.rvnetwork.com/topic/138198-rver-insurance-exchange-health-insurance/