Question: What do you do for health insurance? Is there a RVers group plan?
Everyone’s situation will be different based on several factors. For example, one couple that I read about has medical insurance which offers a Point-of-Service plan. This means that even though they have to use in-network doctors for the best price, they don’t have to designate a primary care provider. So that makes it easier for them to go to doctors anywhere.
For some full-time RVers it is not easy to get a doctor to see new patients or ones they may never see again. It tends to be much easier if you can return to the same doctor every year – for consistency and to establish a relationship. Consider choosing a provider in a location that you consider to be your home base. 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.
The main types of policies are:
- Fee-for-service insurance (indemnity insurance): Traditional type of health insurance that pays a portion of each medical service you get, such as doctor’s visits and hospital stays, while you pay the remaining cost. Premiums are generally higher than Managed Care.
- Managed Care Plans: Also known as HMOs (health maintenance organizations) or PPOs (Preferred provider organization). The health insurance company has contracted with doctors and hospitals to provide services. You pay a monthly premium and then a small amount for each visit or service (usually $10-$15) called a co-pay. Some plans allow you to use doctors and hospitals outside of the plan network but you pay more per visit.
When researching what type of insurance that will best cover you and your situation, consider these questions:
- How much of my doctor and hospital bills will this plan pay for?
- What is the monthly premium?
- How much will I have to pay for a hospital stay before the plan begins to pay?
- How much will I have to pay for office visits to the doctor?
- Does the plan pay for preventive health care, such as routine checkups?
- Does this plan have rules for people who already have serious, chronic medical problems? Will this keep me from getting the care I need?
- If there is a deductible, does it start over each year (preferable) or for each new illness?
- What services are covered by this health insurance? Will it pay for visits to the emergency room or urgent care center? Does it cover routine surgery, hospital stays, doctor visits, skilled nursing facility care, home health care, and medical equipment and supplies?
- Does the plan cover vision, dental or prescriptions?
- Does the plan pay for catastrophic medical costs?
- Is there a yearly or lifetime limit to how much the plan will pay for medical costs?
- Are rate hikes based on individual or pooled claims?
- Is the policy Guaranteed Renewable/Non Cancelable (preferable) or is it just Guaranteed Renewable?
Many RVers who can’t afford individual insurance join associations to take advantage of group rates. We recommend beginning your search online or asking your local Nichols, NY RV dealer for information on associations and RV groups, we can point you in the right direction!
If you are a full time RVer, then you are probably looking for ways to save money while living on the road. Although being a living in your RV full time can be a lot less expensive than living in a permanent residence, with the economy in a crunch and gas prices climbing, any extra cash in your pocket is always welcome. Well, there is one thing that you can do that can cut down on your insurance costs, as well as yearly registration costs for your RV, no matter the class or size.
It all starts with your permanent address. Most full time RVers will have there permanent address run through a post office or mail carrier that is close to their old permanent residence. That is because it is easier to go a few miles away to your postal carrier and change your address rather than driving across the country. Well, living in an RV means that you are driving across the country anyways, so why not use that to your advantage?
States such as South Dakota, Texas, and Florida, have much better RV insurance costs, as well as no state taxes levied against you and your vehicle for road maintenance. Many states use the weight of your rig as a standard for how much to charge for your yearly registration. This means that you are saving money every year that can be put towards more travel. If you are a full time RVer, you should take advantage of this and take a road trip to one of these states and create a new permanent mail receiver to help save a few dollars.
If you are looking for a new RV to start off your new life as a full time RVer, then be sure to come into Jim’s RV!
If you are an RVer, especially a full timer, then you probably have a lot of important documents and possessions that you take with you. Things like wills, birth certificates, jewelry, and other valuables that you can’t lose need to be safe and secure in your RV. They don’t only need to be safe from theft, but also from fire, water, and any other damage that may destroy your RV. While no one likes to think about these things happening to their rig, you always have to be prepared for the worst. So what are the best was to keep your valuables safe in your rig?
If your permanent residence is your RV, then your best bet is a fire proof safe. These can be bought at any large retailer or online, and they not only keep your things safe from theft, but also fire and water. While there are cheap safes that are portable, it’s best to buy on that can be installed directly into your RV’s floor or walls. A thief can easily take the safe with them and break into it later if it is not hidden and secured. If you choose to install a safe in your rig, be sure that it is being secured to an area that won’t ruin any structural supports.
If you have a permanent residence or storage space, then keep your belongings there. There is no reason to risk anything happening to them on the road if you can help it. If you don’t have either of those options, then rent out a bank locker at your home base. This way you know your documents and belongings will be safe from any threat. Whether you use a safe or a secondary location, be sure that family members know where it is in case they need to access it.
RVing should be a relaxing time, and that can be hard if you are worried about your belongings, so please find the best way for you to keep them safe. If you are looking for a new RV, then be sure to come to Jim’s.
This is a pretty amazing rig.Just try to tell me you aren’t impressed with it. If you love Rving as much as I do, this new rv will really “float your boat”.
Now isn’t that something!?!? Maybe someday this will be the norm. Would an RV of this type interest any of you?
Before you attempt to navigate your rig under an over hang, know the height of your RV first.
This is 12 seconds that I’m sure the driver wishes he spent learning the height of his trailer instead of guessing what it was.
Just so you know, both the driver and his young passenger escaped unharmed, but talk about a close call. I guess he’ll be needing a new RV
I know insurance isn’t the most exciting topic in regards to RVing, but it is on of the most important. I searched around for some information that I thought you might find useful. I ran across this article by Greg Roy on the need for adequate RV coverage.
RV insurance is one of those things in life that you are happy to have and hope you never use. Almost all states require that you have some form of insurance for your RV; it just makes good sense, regardless of the law requiring it. If you plan on buying RV insurance soon, here are a few tips to consider:
- If you don’t plan on living in your RV, and you only use it for short, small trips, you may actually want to consult your current homeowners insurance and see if it is covered by that policy. If not, you may want to call your insurance agent and ask if there is a rider that can be purchased to include your RV on your homeowner’s policy. If so, what is the coverage and for how much? Be certain to get a complete picture of exactly what is covered and what the limitations of the coverage are before proceeding.
Often you can save money by adding your RV onto to your homeowners policy, but certain restrictions apply. A common restriction is the RV must not be registered for road use. If this is a restriction, be certain not to violate it. The financial damage of having an uninsured accident could be catastrophic.
- If you do live in your RV, you should clearly state that fact when getting the insurance quote. Some people think that telling the insurance company that you only use the RV for short trips occasionally will save them money if they live in it instead, and perhaps it will. But if you actually do have to file a claim at any point, the insurer has the right to deny the claim based upon false information, if the coverage is written for occasional use and you are actually living in the RV. Why put your entire insurance policy at risk just to save a few dollars? The risk simply isn’t worth it. State what your exact usage will be and you should be fine.
- For those that spend a good deal of time in their RV, or possibly even live full-time in it, getting an insurance policy from an insurer that specializes in RV insurance would be a wise move. Most auto insurance people don’t really understand the special needs of the RV lifestyle. You can easily wind up with a policy that is not appropriate for a person who resides in an RV. Many special aspects of RV liability are not included in standard auto insurance. The coverage limits themselves can be very inadequate as well, so it is not advisable to simply go to your auto insurance company and accept what they offer. It would be wise to shop around and get some quotes from RV insurance specialists. Study these proposals to see how they differ from auto insurance and what extra coverage is included.
- It would be prudent to shy away from any insurance companies that are relatively new, and haven’t had enough time to build up a track record of customer service. Unfortunately, con artists operate in nearly every field, and insurance is included in this group. The insurance industry has had some less than honest people set up a company, sell policies, collect the premiums, and then either just deny most claims or disappear altogether. Most states have an insurance commissioner to prevent this kind of activity as much as possible. Before you buy a policy, check to see how long the company has been in business and check with the insurance commissioner in your state as well, if you do not recognize the name of the insurance company. Be sure that the company is in good standing with them before you decide to buy. Using insurance companies endorsed by major RV groups like The Good Sam Club is usually a wise move for peace of mind as well.
Getting adequate RV insurance is much easier today than it has ever been in the past, and there are more choices than ever too, in large part thanks to the internet. If you are looking for RV insurance, shop wisely. If you use the suggestions given above, you will most likely make a wise and successful choice.
There you have it. Was this useful? Does anyone have any questions about RV insurance for your new RV
Will your RV get too hot if it is totally covered? Do you need added ventilation? What is best way to cover your RV?
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