I’m at a loss for what to do health insurance wise. Here’s my situation:
I travel all over the country doing contract work. I don’t own a home. Live full time in a 5th wheel. We just spent 4 months in SC, a few months on the road, a few months in Arizona, a few months in Louisiana, etc.
My previous employer offered a PPO health insurance plan that I have. Being PPO, I have nationwide coverage. In many states, you can’t even purchase PPO plans. This plan under cobra is $560/mo with me.
I elected cobra October 3rd of this month and paid $1123 for two months of coverage. They told me it’d be 7-10 days to activate. Today is 13 days and I still have no active insurance. I’ve called both the third part company filing the cobra and BCBS a dozen times, and it’s a stupid bullshit “he said/she said” situation. Third part company is saying they sent the request to BCBS, and BCBS is saying they haven’t received anything.
I’m just so fed up and stressed out with all this. Even worth, third party company basically said this will happen each month unless I pay months in advance. They have to send info to BCBS, etc. I’m tempted to just ask for a refund of my $1123 but dunno what other options will work.
My drivers license is in South Dakota and our vehicles are registered in Texas. Literally no one even offers a nationwide plan that will cover me on the road unless it’s “life threatening.”
I could get a catastrophic plan, but then the penalty would be $3000-$4000 a year since they don’t meet ACA requirements.
ACA did a lot of good things for a lot of people with low income and pre existing conditions (some of which I have) however this whole BS situation where I can’t even buy insurance, for no amount of money, that will cover me nationwide is utterly ridiculous.
Would love suggestions, but I feel like I’ve exhausted them all and thus am just venting.