Amid much denial, hand-wringing, and down right procrastination, I signed up for the Affordable Health Care Plan. I have been without medical insurance for years. I have been receiving minimal medical care but generally when an emergency or illness required me to be seen. I however lacked the security of knowing there was insurance in case of a real prolonged need.
I checked out a web site www.rverhealthinsurance.com from the blog and saw that the state where I live (Washington) is one of the states they had information about. I found some information that all people who RV will want to consider.
I called and left a message and received a prompt call back within 24 hours. Kyle gave me some basic information and suggested that I read more in depth about insurance issues for those who RV on the RVer Health Insurance web site. (Click on the banner on the right side to check out the web site for more information.)
Your State of Residency will determine options available for your insurance.
PORTABILITY is needed if you travel outside your area.
Affordability varies from levels and plans. Some choices are available.
The guidelines for the Medicaid (in Washington) expansion and rules regarding assets have changed thus allowing families or individuals with limited income, access to insurance without spending all their assets before receiving coverage. This was one of my big fears and hence some of my reluctance to look at the whole darn thing. Again, different states are approaching this issue with variable results.
A few days ago I went to a class that reviewed information about the Affordable Healthcare Plan. I was able to determine that many of the 'facts' I had heard were indeed not true.
At the class, I learned there are trained individuals to help sort out how to enroll in Health Insurance Plans. I was able to get the name of a Health Care Navigator and make an appointment. The next day I had an appointment and we filled out the paperwork which was surprisingly simple. She pressed a send button and.......NOT SO FAST.....I almost had health insurance.
Instead of congratulations you now have insurance message.....We received an
Step one - THE SIGN UP is completed.
Step Two - will involve checking with the five companies available in my area to determine which will best serve my needs in the coming year. (If I had previous experience with Doctors, I would select Health Care Companies that allowe using those Doctors)
Step Three - is the selection of Primary Care Professionals since at this point I don't have Doctors that I have been using.
There is much that is not known about how it will all shake out....I guess we will learn as this tale unfolds but in the mean time should I break a leg..... I know I will have medical coverage. In the next two years before I qualify for Medicare (an everything will change again) I will have basic care including some basic dental and vision care. The details of how medical care may change many times during coming years but I am grateful to finally have some coverage.