A Women's RV Forum run by Women RVer's!

Posted: **Sat Jun 18, 2011 10:23 pm**

Now that I have decided to continue full-timing and workamping as a career :lol:

, I have a dilemma. When I quit my full time job in 2007 to start RVing, I had to start buying individual health insurance. Last fall, I reduced my Wellmark Blue Cross Blue Shield plan to Blue Basic to save money. Of course, my premiums have already gone up :roll:

My income level now is below poverty level, but from what I've read, I don't qualify for medicaid. I'm not a senior, don't have kids at home, etc. Does anyone have any bright ideas for health insurance plans that would help my budget? I'm a SD resident, but need something that is honored nationwide because of my vagabond lifestyle

I really don't want to be without insurance, but paying the premiums when I'm between jobs is stressful for me

Posted: **Sun Jun 19, 2011 8:44 am**

Hi Linda

I'm not sure what you are paying or what you can afford to pay, but have you tried this link to see what is available:

http://www.ehealthinsurance.com/ehi/Alliance?allid=Goo25151&mcei.app.terminalID=__tid__4_

You can sort by any number of categories, like price, deductible, etc. Hope it is helpful!

Posted: **Sun Jun 19, 2011 10:23 am**

You didn't mention what you're paying, but the plan you have was about the lowest I discovered. Heath insurance isn't cheap. I use a very high deductible and only have very basic - it's for emergencies only. If you have no savings, etc that they can wipe out if something happens, you could go without insurance - they have to help you if something happens, and can't take money you don't have.

I know some are gasping at that thought, but it's simply the truth. If you have savings, then you could be wiped out with no insurance. It's a sad state of affairs that the insurance system in this country is such a mess (and both parties are to blame). Meantime, do NOT let BCBS of SD discover you are a fulltimer - or they'll drop you. BCBS of SD doesn't insure full time rvers. If they know you are one.

Posted: **Sun Jun 19, 2011 8:28 pm**

Li...I will check out the website. Thanks!

Beth...I have BCBS of Iowa. When I "moved" to SD, they said SD is in the same network so I didn't have to make any changes.

My last 3 month premium was $427.65. I'm allowed 3 doctor visits per year on my plan. I know I don't want a gap in coverage so I struggle to make the payment. I don't mean to whine. I am thankful to have it, but knew you girls are a wealth of information and I appreciate any ideas you have

Posted: **Sun Jun 19, 2011 8:41 pm**

OK...I just checked that website and my insurance is cheaper. Don't know where else I can cut back, but I will keep thinking

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