Originally Posted by rec
...We are leaning toward SD as our state in which to declare domicile, because I've read over and over again how generous they are with full-timers...
most (not all) of the folks trying this approach are retired
attempting to save a little cash on taxes, vehicle fees (tags/insurance) and other things that impact their fixed income status.
they have medicare or kept their major medical coverage through their past provider (like bc/bs or uhc or the va or as a union benefit)
so when you suggest s.d. is 'generous' on this issue understand the population in question.
i know a few working folks who use s.d. on this forum, perhaps they'll see your thread and pm u about it.
you've got LOTS of other issues to consider like voting, divorce, business licenses, unemployment benefits, filing state tax returns, and so on.
simply having a bank account, drivers license and mail drop isn't gonna cut if 4 ALL the issues facing a younger couple, with children.
the advice the LOCAL s.d. insurance agent provided is pretty clear.
to be eligible for bc/bc OF s.d. you need a physical address and presence IN the state.
more importantly (depending or your work/business) there may be better state options for you
or other states that are easier to buy coverage in and that benefit might offset a few 100$ saved on vehicle reg...
do you have a business license anywhere or a company/business registered in another state?
Originally Posted by rec
...we're going to declare domicile in SD, which I understood to be a legitimate legal option for full-timers. So I assume that I will be able to get health insurance based on domicile, rather than residency...
since you currently reside in maryland you can apply for bc/bs major medical there, IF you wanna drop the united health care plan.
the uhc policy you have in maryland should
provide coverage while traveling, depending on the policy.
bc/bs issued by the maryland company WILL be honored while on the road anywhere in the usa, depending on the policy YOU select.
the push for s.d.
based health insurance? is it because the rates
are better in s.d.?
-if this is why it's because the risk pool is different,
-the provider charges are different and
-the services most frequently used BY 'dakotans are different.
wellmark is the provider in that state, YOU have to meet their eligibility requirements to buy coverage from them.
take a look at the other 'retiree states' like texas, az, wa, fl, and so on...
companies writing health insurance in ALL of these regions r aware of this issue and r changing WHO they will accept.
the escapee forums on these issues is fine, but the more unique situations aren't all addressed.
and many young full timers are back in a physical address within 1-2 years...
so that's a big consideration, because you'd be reapplying for another NEW insurance policy at that time...
best of luck and don't lose your current coverage.
i'm still trying to convince the POST OFFICE i don't want ANY address