RVer Healthcare Insurance
Answer: We can't speak for other RVers, but we can describe our situation. We have medical insurance which offers us a Point-of-Service plan. That means that even though we have to use in-network doctors for the best price, we don't have to designate a primary care provider. So that makes it easier to go to doctors anywhere. Even if you have coverage such as we do, it is not easy to get a doctor to see new patients or ones they may never see again. And it makes it easier if you can return to the same doctor every year - for consistency and to establish a relationship. For our routine exam, we use a doctor in Florida - since we tend to return to the area to visit family each year. We schedule our annual exam for when we plan to be in Florida. Our prescriptions are done via mail order plan to get the 90-day supply pricing. We can have them sent to our mail forwarding service - and have them forwarded from there, based on where our travels take us. Or, if we are in a particular place for a while - for example, in Florida, or workamping assignments - we have the prescription mail service send them directly to where we are located. Nationwide pharmacies such as Walmart can fill your prescriptions anywhere you happen to be. If you have a plan that ties you to doctors/providers only in a specific state or geographic location, then this should be factored into your selection of a home base state...since your address will be used as a basis for medical coverage. We invite other RVers to comment on how you handle health insurance.
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