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Old 10-29-2012, 04:30 PM   #1
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Health insurance for Fulltimers

we are Beginners full timers (about 1 1/2 months now). we would like to know if anyone can tell us how you do the health insurance without a permanent address?
Thank you
Ed & Mary
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Old 10-29-2012, 06:57 PM   #2
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Hum, I don't know what other folks do. Health Insurance I currently live without. I think, I would, use an old address or a relatives/ friend's address and make sure they have a good mailing address, like a PO Box. Don't know if that works, just the first thing that came to mind.
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Old 10-29-2012, 07:31 PM   #3
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Buy a little old house in a nice little town somewhere, maybe Carthage, use it as a rental for some income and as your address.

Just a thought.
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Old 10-30-2012, 08:14 AM   #4
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Quote:
Originally Posted by Eylon View Post
we are Beginners full timers (about 1 1/2 months now). we would like to know if anyone can tell us how you do the health insurance without a permanent address?
Thank you
Ed & Mary
Same way you handle taxes, vehicle insurance, renewal of your driver's license, license plates on your trailer and tow vehicle, and anything else that requires you to have a permanent address.

You are required to have a "domicile," even if you are full-timers. The IRS says so. Organizations such as Escapees (http://www.escapees.com/) can provide you with one.
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Old 10-30-2012, 08:58 AM   #5
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You Must Have a Domicile

As far as I know you must have a domicile for the reasons stated above.

Danielle and I checked medical insurance rates through www.ehealthinsurance.com all you have to do is enter your ages, whether you use tabacco or not, and a zip code. Then you can check to see what is commonly available in the given zip code. This quick rate check does not assure you'll get that price - there are some riders that are applied in some cases. In our case the price on ehealthinsurance was exactly the price we paid. Some areas of the country are more expensive than others.

That does not mean you have to see a doctor in that zip code. We know many people who full-time and they buy there insurance in their "home" state whether that be Texas (through Escapees) or South Dakota (through any number of domicile/mail-forwarding agencies) but they see doctors for their annual check-ups, etc. in another state.

Back to health insurance - ehealthinsurance helped us select the plan that suited us (a high deductible Health Savings Account) and then we bought the plan for the same price through a local insurance agent. I know of people who have purchased through ehealthinsurance and they have not had any problems - we just wanted a local agent.

When we evaluated the plans we looked for something that was relatively universal - no restrictions on which doctor you see - no restrictions on specialists you see - and no in/out of network issues.

Lucius

on edit: I just noticed your Missouri location - that state has some of the lowest insurance rates in the country. For example, policy that we pay about $400 for in GA, also cost about $400-500 in TX, about $500 in SD but it only costs $300 in Nixa, MO
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Old 03-16-2013, 05:34 PM   #6
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Much like Lucius and Danielle, we shop ehealth for best plans for us. We're in our sixth year doing this and, again like them, we fund a health savings account and pay for high deductible medical insurance. (more info about our health insurance process here.

We own no real property and currently have zero interest in doing so. Although we have been Escapees seven years or more and do use them for all our mail forwarding service, we do not use Escapees for residency requirements.

Our residency continues to be North Carolina, we visit there every year in time to do truck inspections, doctors' visits, family time. Since we don't have income we aren't sensitive to state income tax rates. We own only a trailer and truck, so property taxes aren't a big deal. Lower insurance rates for liability and for medical would be a plus, but we just don't feel a need to change.

We have for over five years used relative's address(es) for our residency. As stated in above posts, you MUST declare an address as residence and you don't have to be there. We belong to a church nearby, we maintain our library card and Board of Elections registry, our driver licenses and property titles are to that address.

So far so good.

Hope this helps.
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Old 03-17-2013, 03:26 PM   #7
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[I]Thank you for the advice.
We end up with a high deductible insurance ($7,000 with Humana) and we ďOnlyĒ pay $282 a month. We both in good health, we do not take medications and both donít remember the last time we needed a doctor. so our insurance in basically for a major sickens.[/I]
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