I will be shopping multiple states, which is difficult. My current state of residence is Minnesota. Today I tried to set up accounts for spouse and I. Unsuccessfully. They could not verify my identity and some of the identity questions were ambiguous. My spouse's identity was verified the first time through but it failed to allow him to set up an account. The security questions to be able to access your account in case you forget your password were bizzare. Most memorable date in your life? Most memorable person? There is no way I can pick and remember without writing it down answers to nearly every question. After several tries I got a 404 error and we were back at square one. Now it won't verify his identity.
It looks like I have to mail in copies of our driver's licenses and verify the hard way.
However, we could shop before setting up an account. I looked at maybe 20 different policies today. None are what I want. I don't care much about deductibles. What I care about is coverage. Will it cover me out of a network? Every single plan I reviewed from bronze to platinum at best would cover 60% out of network with no maximum out of pocket. Most only covered 50%. So, if I winter in Florida or Texas and have a bike accident I will be liable for at least 40 to 50% of the cost, with no upper limit at all. I still am trying to find out information about the networks but probably they are not nationwide and are all local.
Surprisingly, Minnesota does not have a multi-state plan.
Now to shop in states that do have multi state plans. Unfortunately, most states do not allow you to shop if you don't establish an account. And, you at least have to have a zip code to check options for a particular geographic area.
I think my next step will be to start calling insurance agents. Though, I think I will wait a couple of weeks to let things mellow a bit.
It looks like I have to mail in copies of our driver's licenses and verify the hard way.
However, we could shop before setting up an account. I looked at maybe 20 different policies today. None are what I want. I don't care much about deductibles. What I care about is coverage. Will it cover me out of a network? Every single plan I reviewed from bronze to platinum at best would cover 60% out of network with no maximum out of pocket. Most only covered 50%. So, if I winter in Florida or Texas and have a bike accident I will be liable for at least 40 to 50% of the cost, with no upper limit at all. I still am trying to find out information about the networks but probably they are not nationwide and are all local.
Surprisingly, Minnesota does not have a multi-state plan.
Now to shop in states that do have multi state plans. Unfortunately, most states do not allow you to shop if you don't establish an account. And, you at least have to have a zip code to check options for a particular geographic area.
I think my next step will be to start calling insurance agents. Though, I think I will wait a couple of weeks to let things mellow a bit.