I'm hoping for real user experience.
Maybe I should go look for an RV forum.
I'm hoping for real user experience.
Maybe I should go look for an RV forum.
My plan is to buy travel insurance with medical coverage to take care of trips outside of the US in general. You really do need to shop an understand you health plans now of days.From my UHC Community Plan (Medicaid Managed Care) member book:
Sounds like they cover urgent and emergency care only in the US.
"Care Outside of the United States
If you travel outside of the United States, you can get urgent and emergency care only in the
District of Columbia, Puerto Rico, the Virgin Islands, Guam, the Northern Mariana Islands and
American Samoa. If you need medical care while in any other country (including Canada and
Mexico), you will have to pay for it, and it will not be covered by UnitedHealthcare Community Plan."
This is true to a certain extent with the ACA. If the medical situation meets the plans definition of emergency, you are covered for emergency admissions until such time you can be transferred to an in-network facility.Not sure about medicaid, but I think the ACA will cover emergency care in the US...beyond your own state. I think this was an ACA requirement. Non-emergency is an other matter. Not sure about outside the US in general.
Be very careful with the bolded generalization. In 2014 BCBS had a very narrow network in my state and it did not extend outside the local area. They did not have a national network. In 2015 BCBS improved their network greatly. What I'm saying is read the plan closely. Don't assume because of the big name company that the plan is like what you had through an employer. Hopefully this playing around will settle down soon in the ACA.So it sounds that far as an ACA plan you need to chose a provider with a large network like Blue Cross for general medical needs, otherwise you all be charged out of network for emergency issues. While I intend to retire to a boat and travel and not really have a fixed home, this all seems doable to me.
And outside of the country also includes Canada. If you're going up into Canada very far, get travel insurance.
.. Snip...
What I'm saying is read the plan closely. Don't assume because of the big name company that the plan is like what you had through an employer.