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cire

Roamin da USA

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Posted: 12/17/13 07:26pm Link  |  Quote  |  Print  |  Notify Moderator

I like many others needs to pick an new insurance carrier quickly. Now that the website is working better I can look at some of my options. Because we're full timers we must have a policy that can work anywhere in the country. First question: How do I find which carrier will cover me when I travel. I'm not afraid of doing homework. I just don't know where to start.

* This post was edited 12/19/13 11:11pm by an administrator/moderator *


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tandkj

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Posted: 12/17/13 07:29pm Link  |  Quote  |  Print  |  Notify Moderator

All I can say is good luck.


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Bob & Ann

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Posted: 12/17/13 07:40pm Link  |  Quote  |  Print  |  Notify Moderator

For years and years we all made our decisions by calling and checking with whatever insurance companies we might have interest in. One can continue to do that or if you so desire try to make a decision through the Obama website with the governments help. Personally I decided to go with my own research through the insurance companies.


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TechWriter

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Posted: 12/17/13 07:42pm Link  |  Quote  |  Print  |  Notify Moderator

Start here: www.healthcare.gov

Available health plans will depend on your domicile.


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rk911

Wheaton IL

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Posted: 12/17/13 07:42pm Link  |  Quote  |  Print  |  Notify Moderator

if you're looking for a medicare supplement then, AFAIK, all of those are good in all 57 states. otherwise, most insurance policies are good in your state of residence. my BCBS plan (not ObamaCare) covers me only in illinois. emergencies, actual by-God emergencies, are covered out-of-state but when we're in arizona and i need to see a doc about a non-emergency then i have to pay for it. be sure to check the fine print.


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Water-Bug

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Posted: 12/17/13 07:45pm Link  |  Quote  |  Print  |  Notify Moderator

In general, the Blues (Blue Cross/Blue Shield) are universal. They vary from state to state but in most states the health care providers accept the out of state Blues on the same terms as they accept the local Blues.

EDIT. My previous employer provides health insurance through BCBS of Illinois, for employees in 5 different states, because they are headquartered there and don't want to negotiate policies in 5 different states.

woodgeezer

Greater Salt Lake Valley,Utah

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Posted: 12/17/13 07:52pm Link  |  Quote  |  Print  |  Notify Moderator

What I was thinking of saying would likely cause a poop storm.

If you need insurance as a supplement to Medicare, the Affordable Care Act is not your source.

If you are looking for a carrier, you should find one you like and ask where they cover you. The Federal Program will not tell you where and when.

If you qualify under the ACA you will not likely find a universal insurer, but big bubbas insurance agency is not the place to start. Try something like Blue Cross/Blue Shield.

Water-Bug

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Posted: 12/17/13 07:53pm Link  |  Quote  |  Print  |  Notify Moderator

Water-Bug wrote:

In general, the Blues (Blue Cross/Blue Shield) are universal. They vary from state to state but in most states the health care providers accept the out of state Blues on the same terms as they accept the local Blues.

EDIT. My previous employer provides health insurance through BCBS of Illinois, for employees in 5 different states, because they are headquartered there and don't want to negotiate policies in 5 different states.


EDIT 2: If you select a health care provider that doesn't accept BCBS, you are going to pay no matter where you are. If in doubt ask, when you make the appointment.

Water-Bug

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Posted: 12/17/13 07:59pm Link  |  Quote  |  Print  |  Notify Moderator

rk911 wrote:

if you're looking for a medicare supplement then, AFAIK, all of those are good in all 57 states. otherwise, most insurance policies are good in your state of residence. my BCBS plan (not ObamaCare) covers me only in illinois. emergencies, actual by-God emergencies, are covered out-of-state but when we're in arizona and i need to see a doc about a non-emergency then i have to pay for it. be sure to check the fine print.


If you travel to 57 different states, it is little wonder that BCBS doesn't cover you in all of them.

WyoTraveler

Northwest, Wyoming

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Posted: 12/17/13 08:03pm Link  |  Quote  |  Print  |  Notify Moderator

If you have medicare AARP may be a good start for supplement. Before this all started I had no idea there were so many people without insurance. I just assumed everyone got covered by their company when they retired like I was. Not so much I guess.

* This post was edited 12/17/13 11:44pm by an administrator/moderator *


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