Health Insurance Options If You Quit Your Job to go Backpacking
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Date: 2020-08-18
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Comments and reviews: 10
citybadger
Great topic Dixie. I know this is just a here are some things to look into video, not hardcore information, but a couple of points:
- Losing heath insurance because you quit your job IS a qualifying event for getting ACA coverage. - Also look into retroactive CORBA. Best loophole in insurance - coverage without paying for it.
- Christian healthcare ministries coverage is dicey - they may not cover you just because they don't feel like it. Also they are pay and hope-to-get-reimbursed.
- Healthcare. gov will direct you to the state exchanges for those states that have them
- At least in my state (NY) short term policies are illegal.
- If your poor enough on paper, Medicaid is a possibility. Medicaid can be applied for year-round, and can even be retroactive to the day of your accident or illness. Getting it can be hard if you can't document your income, so file your taxes and have all your money and asset related paperwork in order.
- Most importantly, not having real insurance (including CORBA or Medicaid) in general can lead a life altering or life threatening disaster. Traveller's insurance doesn't cover non-travel expenses, so if you get a cancer diagnosis, kidney failure, or the like you're 1)bankrupt and 2) may get delayed care. I know the young people think that will never happen to them, but it does. If you are poor enough that you don't care about bankruptcy, see Medicaid above.
reply
Great topic Dixie. I know this is just a here are some things to look into video, not hardcore information, but a couple of points:
- Losing heath insurance because you quit your job IS a qualifying event for getting ACA coverage. - Also look into retroactive CORBA. Best loophole in insurance - coverage without paying for it.
- Christian healthcare ministries coverage is dicey - they may not cover you just because they don't feel like it. Also they are pay and hope-to-get-reimbursed.
- Healthcare. gov will direct you to the state exchanges for those states that have them
- At least in my state (NY) short term policies are illegal.
- If your poor enough on paper, Medicaid is a possibility. Medicaid can be applied for year-round, and can even be retroactive to the day of your accident or illness. Getting it can be hard if you can't document your income, so file your taxes and have all your money and asset related paperwork in order.
- Most importantly, not having real insurance (including CORBA or Medicaid) in general can lead a life altering or life threatening disaster. Traveller's insurance doesn't cover non-travel expenses, so if you get a cancer diagnosis, kidney failure, or the like you're 1)bankrupt and 2) may get delayed care. I know the young people think that will never happen to them, but it does. If you are poor enough that you don't care about bankruptcy, see Medicaid above.
reply
Kevin
As a Canadian, I never hike in the US without travel medical insurance. Coverage for up to 2M usually costs me about 10 or less per day while I am out of the country for a 5ish day trip (better deals on longer trips 200 for a year away. So easy now to just go online with my bank or insurance company and shop around for the best rate.
I appreciate you not getting political (there is too much of that these days) and before I make a point let me say that the US is a great place full of great people and I love to visit, but, but but. the US needs to get it's head on straingt regarding medical insurance. It is so complicated and risky (as your video demonstrates the 'grey areas') so expensive, and so many people making money off of other's tragedies. First universal health care, then the metric system - I know you can do it! :) Kilometers are so much shorter than miles, imagine the motivation on the trail!
reply
As a Canadian, I never hike in the US without travel medical insurance. Coverage for up to 2M usually costs me about 10 or less per day while I am out of the country for a 5ish day trip (better deals on longer trips 200 for a year away. So easy now to just go online with my bank or insurance company and shop around for the best rate.
I appreciate you not getting political (there is too much of that these days) and before I make a point let me say that the US is a great place full of great people and I love to visit, but, but but. the US needs to get it's head on straingt regarding medical insurance. It is so complicated and risky (as your video demonstrates the 'grey areas') so expensive, and so many people making money off of other's tragedies. First universal health care, then the metric system - I know you can do it! :) Kilometers are so much shorter than miles, imagine the motivation on the trail!
reply
Richard
I just find the American system of health care bewildering and how it has been monetized is just wrong, how can such an advanced nation not provide its citizens with healthcare - this is not a criticism of America or Americans, rather that of the politics that has allowed it to happen and has told people this is right and that you don't want some socialist, communist or whatever healthcare system, which is also wrong, and has ultimately led to many Americans not having proper healthcare and suffering due to this. it is plain wrong that the level of healthcare you get is based on your ability to pay / pay for expensive insurance. On another more positive note amazing videos and an excellent body of work on hiking you have created Dixie
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I just find the American system of health care bewildering and how it has been monetized is just wrong, how can such an advanced nation not provide its citizens with healthcare - this is not a criticism of America or Americans, rather that of the politics that has allowed it to happen and has told people this is right and that you don't want some socialist, communist or whatever healthcare system, which is also wrong, and has ultimately led to many Americans not having proper healthcare and suffering due to this. it is plain wrong that the level of healthcare you get is based on your ability to pay / pay for expensive insurance. On another more positive note amazing videos and an excellent body of work on hiking you have created Dixie
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Richard
you're asking or providing advice for the wrong question. The question should be. given the statistics of age and fitness levels what are the average incidents rates and average costs. For example I was working for a company in Sweden and while I was in country for 30 days I purchased a separate insurance policy because my US policy was not applicable. More specifically you do not need skydiving insurance if you're not skydiving. So if the injury or fatality rates are higher while hiking one trail or another you might want insurance in case you need a helicopter rescue.
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you're asking or providing advice for the wrong question. The question should be. given the statistics of age and fitness levels what are the average incidents rates and average costs. For example I was working for a company in Sweden and while I was in country for 30 days I purchased a separate insurance policy because my US policy was not applicable. More specifically you do not need skydiving insurance if you're not skydiving. So if the injury or fatality rates are higher while hiking one trail or another you might want insurance in case you need a helicopter rescue.
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Brian
You can purchase a hospital indemnity plan. It is supplemental insurance- available from companies like that one represented by a duck who has done yoga. It is private insurance so you would need to qualify for coverage by passing medical questions. They have many options to giving you cash reimbursement from doctors visits to hospital coverage. It does not count as creditable coverage to avoid any government penalties, and I would be sure to read any disclosures to see what the limitations are, but I would use this flexible option if not covered by an employer.
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You can purchase a hospital indemnity plan. It is supplemental insurance- available from companies like that one represented by a duck who has done yoga. It is private insurance so you would need to qualify for coverage by passing medical questions. They have many options to giving you cash reimbursement from doctors visits to hospital coverage. It does not count as creditable coverage to avoid any government penalties, and I would be sure to read any disclosures to see what the limitations are, but I would use this flexible option if not covered by an employer.
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gliderrider
I'm about to retire and we don't know what we are going to do about insurance. We're actually considering living abroad. I cut my finger once and it cost 3, 300. It wasn't even a bad cut. They cleaned it and super glued it. In the Philippines I had to go to the emergency room because I forgot a prescription and my heart was racing away. It cost me 10 including the medicine! I love this country with all my heart, but what the heck? Something is so wrong here. Medical cost just have been running away lately like the hospitals have a blank check.
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I'm about to retire and we don't know what we are going to do about insurance. We're actually considering living abroad. I cut my finger once and it cost 3, 300. It wasn't even a bad cut. They cleaned it and super glued it. In the Philippines I had to go to the emergency room because I forgot a prescription and my heart was racing away. It cost me 10 including the medicine! I love this country with all my heart, but what the heck? Something is so wrong here. Medical cost just have been running away lately like the hospitals have a blank check.
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ChrisfromFL
I never even gave this topic any thought since I've only been out camping and hiking while covered by policy from work. However, once again you've brought up topic that should concern to all thru and long distance hikers. Although I'm retired and covered by Medicare and a Medicare Supplement, I'm going to stop in and speak to my agent before going on my section hike in April just to be on the save side! Once again, thanks for thinking about the whole community!
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I never even gave this topic any thought since I've only been out camping and hiking while covered by policy from work. However, once again you've brought up topic that should concern to all thru and long distance hikers. Although I'm retired and covered by Medicare and a Medicare Supplement, I'm going to stop in and speak to my agent before going on my section hike in April just to be on the save side! Once again, thanks for thinking about the whole community!
reply
TheGoatMumbler
Fortunately, soon you will be able to purchase no frills, catastrophic insurance to handle any major medical problems. With the high costs, high deductible Cover everything including the kitchen sink whether you want it or not obamadontcare programs, a 60 year old man no longer has to pay for things he doesn't need like birth control, breast pumps, mental health, etc. Many walk in type clinics like Primacare also offer a pretty decent low cost package too.
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Fortunately, soon you will be able to purchase no frills, catastrophic insurance to handle any major medical problems. With the high costs, high deductible Cover everything including the kitchen sink whether you want it or not obamadontcare programs, a 60 year old man no longer has to pay for things he doesn't need like birth control, breast pumps, mental health, etc. Many walk in type clinics like Primacare also offer a pretty decent low cost package too.
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nick
Hahah! I had great health care coverage from Kaiser for 125 dollars a month. Then that non American radicalized muslim became King and now I don't have any coverage, because they now want 500 month with a 2000 deductable. No biggie really, I use plants and herbs, tinctures to keep me healthy, better then the man made pharmacuetical, poison that cures one symptom yet creates many more, much more dangerous then the symptom you wanted to treat.
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Hahah! I had great health care coverage from Kaiser for 125 dollars a month. Then that non American radicalized muslim became King and now I don't have any coverage, because they now want 500 month with a 2000 deductable. No biggie really, I use plants and herbs, tinctures to keep me healthy, better then the man made pharmacuetical, poison that cures one symptom yet creates many more, much more dangerous then the symptom you wanted to treat.
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rockymtuker
If your in college I think your health insurance is for 6 month at a time, so you'd have a 3 month window to hike unless you took online or self pace classes. Another option is an insurance exchange in your state, I'm guessing but I think if you make under 30000 you qualify for some type of financial aid this should be the last year for government funding of this entitlement program.
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If your in college I think your health insurance is for 6 month at a time, so you'd have a 3 month window to hike unless you took online or self pace classes. Another option is an insurance exchange in your state, I'm guessing but I think if you make under 30000 you qualify for some type of financial aid this should be the last year for government funding of this entitlement program.
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