A Beginner's Guide to Living in an RV: Everything I Wish I Knew Before Full-Time RVing Across America by Alyssa Padgett

Author:Alyssa Padgett [Padgett, Alyssa]
Language: eng
Format: epub
Publisher: Padgett Creative LLC
Published: 2017-11-13T21:00:00+00:00

I would be skeptical about joining a healthshare ministry, but before signing up we talked to several people who have used healthsharing and raved about it (including my parents).

My parents, fellow entrepreneurs, joined Samaritan Ministries after the Affordable Healthcare Act passed, making traditional healthcare unaffordable for them. This is a pain point for many of our self-employed friends. My family has claimed several procedures and doctors visits over the years and have had nothing but good things to say.

We would’ve joined Samaritan years ago, however, you are required to have a pastor’s signature and sign a statement of faith. It’s hard to have a “home church” when you’re never in a place longer than a month, so we were unable to join. (Remember the foundation of healthsharing is that you share medical costs with a group of individuals with common ethical or religious beliefs.)

This year, we chose Liberty Healthshare. Liberty is religiously affiliated like all healthsharing organizations, but does not require you to be religious. You do sign a statement of good faith that basically says I’m a good person and uphold the aforementioned common ethical beliefs.

I asked my friend, Michelle, who I knew used Liberty Healthshare for advice on signing up. After hearing her rave review, she passed my information onto her contact at Liberty.

They called me (the call was less than three minutes), emailed over a few forms I could fill out online, and we were done!

Plus, since everything is internal (versus calling RVers Insurance and them looking around at all other providers for plans), we looked at the chart on their website and picked our plan in 5.2 seconds.

Since we are under 30, we pay $249 for coverage for Heath and me. That’s $16 less than health insurance for just me in 2016 AND the coverage is better.

Honestly, this was a no-brainer for us. And while we of course hope to never have to file claims for medical expenses, I feel confident that Liberty will take care of us.

If you want to go through RVer Insurance to have an agent help you find a plan that’s right for you, they now offer healthsharing plans in addition to other insurances.

Finding coverage across the country from an insurance company you can trust is extremely difficult right now. Based on our experience in the past few years, I recommend Liberty Healthshare for getting the best coverage for your money.

However, you should do your own research, call RVers Insurance if you have specific questions, and always choose what is best for your specific situation. That, and take a deep breath and don’t let finding health insurance stress you out too much!

If you want to hear more about other full-timers’ experiences with health insurance, here are a few more articles to read:

We No Longer Have Traditional Health Insurance – Liberty HealthShare Review by Michelle of Making Sense of Cents

Healthcare & Health Insurance for Full Time RVers by Technomadia

Finally Insured! Our Simple, Affordable RV Healthcare by Gone with the Wynn’s

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