Full-Time RV Nomad Health Insurance Answers - YouTube

everybody welcome back from Kissimmee Florida on a beautiful February

afternoon here nice and warm outside there might be some rain on the way

today I'm really excited to share with you I'm gonna give you some information

about my mobile health insurance that I hinted at it a few videos ago I asked

her some feedback on that and I come to find out that a lot of people are really

interested and how I'm able to find a national PPO insurance company that will

let me go out of state so in this video I'm going to give a lot of specifics I'm

going to show you some numbers at the end of the video there's also gonna be

some links in the video description I'm gonna give you my policy writers direct

email Zachary Roberts as well has his webpage there so that if you're

interested in this you can also go to him and have him write you a custom

policy as well not being paid for this or anything not getting any kickbacks

from him but because he helped me I feel like he could definitely help some other

people who are just kind of kind of lost out there and wondering how in the heck

are we gonna find something that works outside of our state so I got a lot of

important information to share with you in this video don't worry we will get

through it but first a big shout out to the video

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again expressvpn for sponsoring this video now on to health insurance first

of all let me give you a little bit of history Jax and I have been full-time

RVing for nearly nine years now it'll be nine years this summer and in that time

this is the first year here in 2019 that I have had health insurance that was

accessible outside of my state of residency back home so for a while there

it was Washington State and then also South Dakota

all of the insurance premiums that I was paying for myself I could only use in

those states really irritating because pretty much every medical problem I had

was on the road somewhere else and I was paying out of pocket

in fact I paid right here a couple months ago what two hundred and fifty

dollars out-of-pocket for an urgent care visit and then I had to pay for all of

my prescriptions out-of-pocket a hundred percent as well and that really added up

on the road and it got me thinking I actually reached out and I got in touch

with a policy writers Zachary Roberts and again his information is also in the

video description below if you want to get in touch with him I'm gonna go

through some of the numbers here so I'm gonna flash some stuff up up in your

screen right now if you want to look ahead but essentially I've got a five

thousand dollar deductible I pay $30 copay for doctor office visits and

Urgent Care so it doesn't matter if you have a primary or you go to Urgent Care

and get to be seen a lot quicker it's always going to be $30 for the first

three and then I don't pay any more co-pays for the rest of the year I will

just say you might want to pause the video if you want to zoom into some of

these numbers specifically just so you can see what I'm at understand that your

policy is going to be custom it's going to look differently some numbers will

get tweaked and that's what you can find out is what exactly you're available and

what you're gonna pay I'm just sharing some of my information I am a nonsmoker

I'm in pretty good health but I do have some prescription drugs that I have

right now for heartburn and high blood pressure and right now I'm paying about

ninety two dollars a month for this health insurer

it's plan right here as you can see I got a $5,000 deductible $30 copay is

picky dollar wellness benefit co-pays inpatient up $200 a day

outpatient $50 per day all the informations right there the one that's

not going to be listed on here is the prescription drugs so I have a couple

cards ID cards I can use my prescription drug card at CVS and so far all of the

medications that I've been prescribed all six of them here in 2019 were paid a

hundred percent by my insurance absolutely zero balance due for any of

that which is awesome oh my gosh so having that connected to the insurance

plan and I talked about how fast it was I mean I was in and out in less than an

hour being seen by an urgent care doctor getting my prescriptions in my hand

getting out on the road I'm gonna show you a little bit about how this works

here in this program so my particular insurance has run through or managed by

my benefits keeper and I would have to log in and my insurances through life

shield but this blanket has a couple different ones yours might be different

for the same policy but you can see this page right here allows me to just find a

doctor okay so I'm in Florida but I have insurance in South Dakota how does that

work well right here we can enter in a new zip code okay so I'm in Kissimmee

Florida right now and then you can search by the type of doctor that you're

looking for whether that's urgent care or vision or you need emergency care

because you broke your foot or your ankle or something like that and then

you're gonna get all these addresses so I have actually filtered this down to

just my providers and so all of these and you can see there are a lot just

here in Kissimmee Florida all of these are available to me and I would not do

the online booking I would definitely call the number on here and either make

an appointment or if you're doing the urgent care then it doesn't really

matter just find out what their hours are go in show your card and it's gonna

be a $30 copay for the first three each year and then nothing after that so so

this this interface right here is simple and easy to use and I'm not restricted

to only using it in South Dakota so I strongly urge you to do your research

and find out what else is available for but if you don't have any other options

and you're kind stuck like me with your state back home

insurance and then useless on the road definitely give this a shot and look at

those links below and talk to Zachary Roberts about possibly finding one of

these national PPO plans that will allow you to pick from all of the places all

50 states in the country for your insurance needs and I think that's

really really helpful I didn't even know something like this existed to be honest

with you and I had to do quite a bit of research and then obviously I wanted to

test it out a few times on the road to make sure it really works the way I need

it to work and I am really happy with it so far so far if something changes I

will definitely let you guys know but shoot Zachary roberts over there an

email if you're looking for something similar to what I got here and let me

know if you found something better or if you see something working better for

nomads out there let me know in the comments below so I am staying here to

Cracker Barrel here in Kissimmee Florida which is RV overnight friendly big thank

you to that and I'm nearby Orlando I am hungry and I love their food here if

you've never eaten a Cracker Barrel you ought to try it they have some really

good homestyle food and they have RV parking long slots that are there marked

for RVs and buses and a sign indicating and so far no cars are parked here I

really appreciate them giving us a spot to park now what am i doing in Orlando

because I mean obviously I'm not on the coast well I had plans I had plans for

when I first got in to Florida not not talking about Disney I had other plans

and I'm working my way I got to get there plus I maybe seen Angela again

here soon remember she is still over in Texas and she's got a senior cat that's

just got to take care of so until we are physically our B&R be still some tricky

complications there that we're working on but anyway go inside and get some

food I love the feel of these homestyle restaurants

you can sit outside they'll call your name I've done it before

Jacob's party of one your table is ready cuz at a party one person another party

I usually get the dinner sampler but they serve breakfast breakfast this time

just to switch it over I come here about once a week by the way

it's always good food I ain't gonna live just like like Waffle House to me you

know kind of like that comfort food type stuff and you know I don't like shaming

people I just I think I don't get it I come back out and it's like I have to

shame him because it's not like they're mentally incapable know they're doing a

devious than now if they walked out and like they had a blind cane then I'd be

okay that would be even just about as creepy

no but you're being an a-hole there's there's no way you can read you just

being an a-hole there are lots and lots of spaces closer to the restaurant I

mean it's pretty clear there's no reason for this guys explain that to me guys

issues anyway I can't make people smart or not be

enable Jackson I will see you soon guys hope you enjoyed the insurance video and

I'm looking forward to getting back on the road all right I guess

you