One of the biggest trends for American families today is full-time RVing. According to the RV Industry Association, about a million Americans live full-time in recreational vehicles. They are traveling nurses, retirees, digital nomads, and people who have taken on remote jobs in just about every industry.
Like anyone else, full-time RVers need individual or family health insurance while on the road.
If you are a full-timer, health insurance brokers like Insurance Enterprise can help you get the coverage you need, whether cruising the coastline or trekking through the mountains. Below is a quick guide on how to get started with private health insurance if you are in a recreational vehicle full time.
First Things First: Find a Dependable Health Insurance Broker
Although RV life can be an exhilarating experience, there are plenty of things that can go wrong on the road. Injuries are one of those things. If you are injured and require medical care, you need to know that you can depend on your health insurance provider regardless of where you are.
The best way to ensure proper medical coverage is to work with a health insurance broker. A broker offers several benefits such as:
- Shopping for the right plan and provider
- Saving you money on health insurance plans
- Making sure your plan will work in all or most states
- Acting on your behalf if anything goes wrong with your plan
- Keeping you updated on the latest insurance news, policies, and offers
- Finding you a plan suitable for your new RV lifestyle
What to Consider When Getting Health Insurance
You need to consider several items when choosing health insurance for RVers.
Where you will be traveling and whether your health insurance will cover you to and from your destination. Private health insurance provides more flexibility with state-to-state coverage than ACA health insurance plans, but don’t assume anything. Find out where your insurance plan will cover you.
Find Out What Your Health Plan Covers
Some health insurance plans cover emergency room visits but not basic medical services. So, you may need to go back to your home state to get checkups, prescriptions, or physicals. Other plans may cover basic medical but not major medical services.
Deductibles, Premiums, and CoPays
Another thing to think about is how much money you will be paying out of pocket, including your premiums. Deductibles or copays can change from state to state with the same policy.
Prescriptions will always be an issue with interstate coverage, as certain states have laws about purchasing prescriptions out-of-state. It is especially true with prescriptions that are linked to mental health issues. Find out which states allow you to order and pick up your prescriptions out-of-states and which ones do not.
Health Insurance Options for Full-Time RVers
Depending on your situation, you may have to look at alternative options for health insurance outside of standard health insurance. Some possible options include
Fixed-benefit insurance is a plan that charges a fixed rate for a preselected set of benefits. It’s important to note that this type of insurance will not cover all medical expenses, potentially limiting the types of healthcare you can seek.
Short-Term Health Insurance
Short-term health insurance is coverage for the short term, which may work if you’re only planning to be on the road for a few months. However, what qualifies as “short-term” varies from one provider to the next, and in some cases, You may keep a short-term insurance plan for up to three years.
Other Insurance Options
If you’re looking for something other than insurance or if you want something to supplement your existing plan, there are other options out there. Below are two popular ways people get affordable healthcare while on the road.
Special RVer Supplemental Insurance
You may also find health insurance providers or groups that offer coverage with RVers in mind. Many of these insurance plans are supplemental, so don’t count on them as your primary source of insurance. They can fill in some needed gaps that standard health insurance companies may not provide.
Contact Insurance Enterprise for Premier Health Insurance
If you have questions about group or individual health insurance and need health insurance quotes, contact Insurance Enterprise at 888-350-6605. Speak to a licensed agent and find out more about how you can get an affordable health insurance plan.