KHenson

Teri, yes there would be medical underwriting in this case unless the individual is in his/her 12 month trial period for Medicare Advantage...then he/she could go back to the Medigap plan they left or choose any one they want if they enrolled @ age 65.

For anyone interested in learning more about the $0/mo Medicare Medical Savings Account plan with nationwide coverage I will be conducting a free online presentation on Tuesday Nov. 5th. Registration is required if you want to attend. This plan is an alternative option to Medicare supplement insurance. When: Nov 5, 2019 11:00 AM Pacific Time (US and Canada) Register in advance for this meeting by clicking here. After registering, you will receive a confirmation email containing information about joining the meeting.

The only way anyone can offer "group health insurance" under current law is if there is an employer-employee relationship. What they are offering is not a group plan at all but rather a fixed benefit indemnity plan from New Era. It's the exact same plan being offered to FMCA members. If you are interested, we have done a comparison of this plan to a similar (but far better) plan from United Healthcare here: https://www.rverinsurance.com/fmca-health-insurance-for-rvers/ Calling these plans "group health insurance" is inaccurate at best. As for "major medical" plans...There are only 2 ways to get major medical comprehensive coverage today: Affordable Care Act (ACA) coverage Employer coverage However, RVer Insurance Exchange does offer a worthy nationwide PPO alternative to these 2 options. We have access to self-employed association plans which are very comparable to traditional Major Medical plans; But even these plans require an applicant to be a verifiable self-employed business owner.

I just happened to receive a phone call from a regional VP at AlieraCare today. Here is what has happened in a nutshell. A "disgruntled employee" at AlieraCare left Aliera and allegedly took the member database (along with other items) and launched OneShare and undercut their pricing to attract Aliera members to move to OneShare. There is a legal battle underway right now, the details of which I am not privy to but revolve around this former Aliera employee's actions. AlieraCare has been around for 8 years and has about 200k members and OneShare has about 50k members and is obviously newer. So, it's a judgement call for you really. Both use the same PHCS nationwide network.