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10-10-2021, 09:10
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#1
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Registered User
Join Date: Mar 2014
Location: Cruise Full Time on East Coast
Boat: Hunter Legend 40
Posts: 70
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Healthcare in Florida on the Exchange Under 65 years old
I am looking to source healthcare on the exchange in Florida based in Clay County. We will be cruising the East Coast and Bahamas. Looking for suggestions on what providers have services available in the widest geographical area either in Florida or beyond?
Any comments on your level of satisfaction with the provider you selected?
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10-10-2021, 09:43
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#2
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Senior Cruiser
Join Date: Mar 2003
Location: Thunder Bay, Ontario - 48-29N x 89-20W
Boat: (Cruiser Living On Dirt)
Posts: 49,138
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Re: Healthcare in Florida on the Exchange Under 65 years old
Things That Always Surprise Foreigners About American Health Care
Although it’s counterintuitive, not every country views their hospitals as profit-driven, corporate playgrounds. Here are things that always surprise foreigners, about American health care.
You Can Spell It As “Healthcare”, Or “Health Care”
This is just one of many examples of the truly amazing freedoms Americans enjoy.
More ➥ https://www.theonion.com/things-that...n-h-1847813904
__________________
Gord May
"If you didn't have the time or money to do it right in the first place, when will you get the time/$ to fix it?"
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10-10-2021, 10:16
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#3
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Registered User
Join Date: Mar 2014
Location: Cruise Full Time on East Coast
Boat: Hunter Legend 40
Posts: 70
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Re: Healthcare in Florida on the Exchange Under 65 years old
Agreed, but politics aside please.
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10-10-2021, 11:21
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#4
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S/V rubber ducky
Join Date: Jul 2007
Location: heading "south"
Boat: Hunter 410
Posts: 20,363
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Re: Healthcare in Florida on the Exchange Under 65 years old
Quote:
Originally Posted by Mike Crothers
I am looking to source healthcare on the exchange in Florida based in Clay County. We will be cruising the East Coast and Bahamas. Looking for suggestions on what providers have services available in the widest geographical area either in Florida or beyond?
Any comments on your level of satisfaction with the provider you selected?
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All you can do is start an application and at end see what you choices are. We are Jacksonville residents far as this goes and have had Am Better for 4 years. It has worked fine except for their recent change to only doing a 30 day prescription refill. We even found urgent care in MS.
It of course is worthless in the Bahamas.
__________________
Don't ask a bunch of unknown forum people if it is OK to do something on YOUR boat. It is your boat, do what you want!
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11-10-2021, 05:03
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#5
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Registered User
Join Date: Oct 2018
Location: Toronto, Ontario
Posts: 2,690
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Re: Healthcare in Florida on the Exchange Under 65 years old
Quote:
Originally Posted by GordMay
Things That Always Surprise Foreigners About American Health Care
Although it’s counterintuitive, not every country views their hospitals as profit-driven, corporate playgrounds. Here are things that always surprise foreigners about American health care.
You Can Spell It As “Healthcare” or “Health Care”
This is just one of many examples of the truly amazing freedoms Americans enjoy.
More ➥ https://www.theonion.com/things-that...n-h-1847813904
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Hilarious, Gord! I love The Onion.
This point on their list was pretty funny...
Bankruptcy So Hassle-free
In the U.S., losing everything from health expenses is quick and easy compared to what most foreigners have to deal with.
Ho-ho...uh,
LittleWing77
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11-10-2021, 05:08
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#6
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Registered User
Join Date: Oct 2018
Location: Toronto, Ontario
Posts: 2,690
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Re: Healthcare in Florida on the Exchange Under 65 years old
Quote:
Originally Posted by Mike Crothers
...politics aside please.
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Not politics, Mike. Satire.
Humour.
You've heard of it...?
Fair winds,
LittleWing77
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11-10-2021, 10:24
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#7
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Registered User
Join Date: Jan 2019
Location: Wherever the anchor drops!
Boat: Leopard 39, 2012
Posts: 26
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Re: Healthcare in Florida on the Exchange Under 65 years old
Mike, I am under 65, use clay county as my address and have used healthcare.gov for 2 years. I use a broker and he has been terrific to help navigate and with my decision process. I have Florida Blue which I'm very happy with. And because of costs or whatnot I have changed my plan selection each year. I chose Millennium Physcian group as they have several offices all over the state. My primary is in Fernandina Beach as my thought is if I had an issue where I needed follow up care the office / hospital is just a few miles from the marina/ anchorage area. Hope this helps!
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11-10-2021, 13:15
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#8
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Registered User
Join Date: Jan 2020
Location: Hilton Head, SC, USA
Boat: DeFever Raised Pilot House 49
Posts: 234
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Re: Healthcare in Florida on the Exchange Under 65 years old
If you don't qualify for a subsidy on the exchange-use a broker and buy your insurance direct because the same plan (albeit under a slightly different code name) will usually be substantially cheaper. On the other hand, if you qualify for a subsidy, the exchange can definitely offer a financial benefit. Strange but that's how the subsidies/exchange work.
__________________
Jeremy
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11-10-2021, 13:42
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#9
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Marine Service Provider
Join Date: Dec 2009
Location: Working in St Augustine
Boat: Woods Vardo 34 Cat
Posts: 3,865
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Re: Healthcare in Florida on the Exchange Under 65 years old
I have always gotten a subsidy but do to a change in family makeup, I may no longer. I do know my zip code is in 2 different counties and one is much more expensive than the other.
Very interesting an exactly equivalent policy on and off the exchange is different price....
__________________
@mojomarine1
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11-10-2021, 16:31
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#10
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Registered User
Join Date: Jan 2019
Location: FL
Boat: 2013 Aquila Power Cat
Posts: 68
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Re: Healthcare in Florida on the Exchange Under 65 years old
We just did that trip.
For long term overseas travel https://www.geobluetravelinsurance.com/
Florida Blue PPO is the only plan in the US with nationwide coverage. Costs around $200 Mo. with subsidy. Just use Healthcare.Gov and look for a FB PPO nationwide network.
The Brokers I tried were all selling indemnity plans that paid a fixed amount.
If you need ACA help go to healthsherpa.com the ACA exchange people are not familiar with full time travelers and will steer you into an HMO plan.
Don't forget evacuation / rescue insurance / and unlimited towing. Guy online told me that your Bahamas cruising permit includes rescue and evac, but I haven't confirmed.
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12-10-2021, 07:55
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#11
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Registered User
Join Date: Mar 2013
Location: Boynton Beach, Florida. Cruising Bahamas through Spring 2024
Boat: Manta 40
Posts: 213
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Re: Healthcare in Florida on the Exchange Under 65 years old
Florida Blue has been our choice and is only Florida insurer that I am aware of that covers nationwide, as well as international coverage. You must get a PPO, not an HMO.
For evacuation, everyone should purchase either DAN insurance through their scuba program, or the DAN boater insurance. If you’re an SSCA member, you get DAN Boater for $50 for the first year.
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12-10-2021, 12:15
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#12
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Marine Service Provider
Join Date: Dec 2009
Location: Working in St Augustine
Boat: Woods Vardo 34 Cat
Posts: 3,865
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Re: Healthcare in Florida on the Exchange Under 65 years old
You may be “covered” with the PPO but aren’t you “out of network” if not in Florida?
__________________
@mojomarine1
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13-10-2021, 04:20
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#13
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Registered User
Join Date: Feb 2011
Location: Portsmouth, NH
Posts: 23
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Re: Healthcare in Florida on the Exchange Under 65 years old
Ambetter is probably going to be most flexible for out-of-state. I have a fellow agent/broker who works in Florida and can help you figure out a plan. You're better off working with an agent. We get paid by the insurance company, so you do not pay for the consultation.
Let me know if you'd like their contact info, you can PM me. I cover NH and ME.
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13-10-2021, 05:02
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#14
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Registered User
Join Date: Feb 2010
Location: London, Ontario
Boat: Hunter 340
Posts: 637
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Re: Healthcare in Florida on the Exchange Under 65 years old
Quote:
Originally Posted by GordMay
Things That Always Surprise Foreigners About American Health Care
Although it’s counterintuitive, not every country views their hospitals as profit-driven, corporate playgrounds. Here are things that always surprise foreigners, about American health care.
You Can Spell It As “Healthcare”, Or “Health Care”
This is just one of many examples of the truly amazing freedoms Americans enjoy.
More ➥ https://www.theonion.com/things-that...n-h-1847813904
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Since when does the "Senate minority leader specifically denying each of their medical claims"!!!!???????
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13-10-2021, 12:30
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#15
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Moderator
Join Date: Feb 2010
Location: La Ciudad de la Misión Didacus de Alcalá en Alta California, Virreinato de Nueva España
Boat: Cal 20
Posts: 20,489
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Re: Healthcare in Florida on the Exchange Under 65 years old
Quote:
Originally Posted by LittleWing77
Not politics, Mike. Satire.
Humour.
You've heard of it...?
Fair winds,
LittleWing77
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This is not the current Joke thread.
If need be I can help one and all find it.
__________________
Num Me Vexo?
For all of your celestial navigation questions: https://navlist.net/
A house is but a boat so poorly built and so firmly run aground no one would think to try and refloat it.
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