What if I get sick on the road? Nomadic Health Care!

In this video I answer common questions many nomads have such as how can I afford health care , how do I see my doctor living on the road, how can I get my prescriptions how can afford health insurance. Today we talk about many different types of health care and health savings accounts. We also talk about medicaid and state administered health programs.
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Thanks for watching!

[@kimmybee12]

A lot of really good information in this video. 🇨🇦 I'm so grateful to be a Canadian when I hear of all the struggles Americans face with regards to healthcare.

[@beth5247]

Yeah but its too cold there and not enough sunshine compared to Arizona where I live. The west is pretty expensive I have looked into it. No place is perfect.

[@kimmybee12]

Very true! I could always be a snowbird though and move South for the winter and stay home for the spring, summer and fall 🤔 I actually love winter lol

[@kimmybee12]

Thank you Lexi! I will definitely have to look into this. I can't even imagine how hard it is for all the Americans who don't have health insurance. 🤒 I would be afraid to be ill.

[@auroranite]

But can you choose your own primary doctor for consistent care? Get in to see your primary Dr within days for appointment? Choose your surgeon if need one? Can you choose hospital of choice for treatment? What’s the wait for an elective surgery? See a specialist within short time frame? Get a second opinion for diagnosis with pathology and have it covered? These are variables that often make US private insurance worth having.

[@kimmybee12]

@@auroranite Yes to all your questions. I've had quite a few surgeries and never waited more than a week to have them done. I went to the emergency room twice and had surgeries done the next day. One was for a gallbladder removal and the other was for an appendix removal. I can call my doctor's office and get an appointment the same day. I know it's not like this every where in Canada. I'm just fortunate that's how my Doctor's office works. If I want to see my doctor I make an appointment and go in. I'm not charged anything. If I need to have blood work done or need an x-ray or an ultrasound I'm not charged anything. Each province has their own rules 🙂

[@quistunes]

Gorgeous place! Looks like you're standing in front of a painting.

[@mysticalmisfit1332]

Excellent video. Thanks so much. Healthcare on the road was a big worry. Beautiful scenery 😍

[@kms386]

Im a an educated person in the financial field having worked on wall street. I had no idea about how an HSA worked and the coverage it provides. This is golden knowledge people! Thanks for sharing.

[@hearttoheart4me]

Great information about medical. I have heart problems also and have wanted to boondock. Now that I was laid off and forced into retirement, This was great to see. That takes a load off my mind. Thank you Bob Wells

[@emitissimo7618]

I love the encouragement. I never wanted to be a nomad until I started watching Bob.

[@pnwester2697]

If you can't get to Mexico or Canada, try Walmart's $4 and $10 prescriptions. Google it for the list, it's quite extensive. Most pharmacies will honor the Walmart prices if asked. Other pharmacies have similar programs.

[@user-ni6ve4su7g]

you have to ask your dr to prescribe medication off the 4$, medical providers don’t know the price of medication they order.

[@sergiovalenti7255]

Fabulous background scenery!✌️

[@believer7733]

Julian, I agree wholeheartedly! I wish I were there 😪😥! I'm stuck in hot, humid, overcrowded Florida! I'd better stop; I'm making myself sad!

[@donnamaco1]

@@believer7733 Correct, I am in FL too. The city keeps taking golf courses, changing the zoning and filling them with townhouses, high density living. More people, noise, traffic, air pollution, congestion, lines at the grocery store, every where are longer wait times. lol.

[@believer7733]

@@donnamaco1 Totally agree! I want out 😃🙏!

[@maribethspence6740]

Very well done video! I'll be putting this one on a saved list to watch again too. Thank you, Bob for all that you do for folks on the road...and shoot it's good info for anyone really not just nomads

[@mr.solitude3352]

Proximity to a primary care physician is indeed important, but more important is making sure that the hospital you will be accessing, in more serious medical situations, is a decent one. Not all hospitals provide the best care. Pahrump's local hospital, for instance, deserves your online scrutiny.

[@pnwester2697]

In the state of Washington, I used the income based Washington Healthplanfinder and found a high deductible plan for my wife and I for less than four dollars a month. To qualify, we had to have a yearly two person AGI of $66,000 or less. Two free PCP visits a year for each of us, then pay towards the deductible.

[@patpiper6884]

So much good information in this video. Thank you, Bob.

[@karmesinhexerei3209]

I had so many questions about this, and ya pretty much answered them all. Thanks! :)

[@darlinshel1]

The big problem with HSA is that many people can't afford to save $3,500 a year. Also, before anyone chooses NC, please check out the taxes. Flat rate state income tax. Property taxes for both towns and counties. Annual car inspections which are good and bad. I agree you need to keep unsafe cars off the road but it's another tax really. The inspections are tied into car registration. You would be returning every year to take care of that. Car doesn't pass? no license plate renewal until you can fix it. They are constantly trying to find more ways to tax us. I'm looking to change my residency as soon as I can after I'm on the road very soon.

[@sicaz527]

Not only the 3500, but HSA are not free. The one I used to have was about 120 a month through my employer. Regular insurance was about $160. Not a lot of saving to justify that huge deductible.

[@johnharrelson890]

Those are some of the reasons I left my home in NC and moved to Nevada back in 1977.. NC has way too many taxes and seem to make things worse with each year.

[@loufuddrucker391]

Expensive to live in NC

[@loufuddrucker391]

@@johnharrelson890 yep!

[@lhughes6656]

It's still better than paying $700/mo for a single health care insurance plan. $3500 a year equals out to roughly $9.75 a day or $292/ mo. That amount is incredibly affordable in comparison. Most people waste more than that on a latte and bagel every morning. It may not be for everyone but many more people can afford this as opposed to the alternative.

[@wanderlostrvr2582]

Maybe I missed it. But for Veterans there is of course the VA. You probably figured Vets would already know about it, otherwise excellent advice. The Health Savings as you stated is definitely the best.

[@wanderlostrvr2582]

No problems here. Since I have additional insurance I only pay prescription cost

[@colleenkaralee2280]

I am 65 and have not visited a doctor for the last twenty years, and I am healthier now than I was when I was 17 years old and had my thyroid removed. I have without a doctor's help watched the body restore full thyroid function, and I am totally off any glandulars. The most amazing discovery I made is that the body has its own self-healing/restorative ability, and I rely solely on the body to cleanse and restore/heal itself. Now, if I broke a bone, yes, I'd use a credit card or emergency fund to get it set and then let the body do the knitting together.

[@ducksinarowpatience3670]

How did you cure yourself?

[@BlazinBlades]

What would someone do nowadays during Covid19 with no health insurance?

[@shellchenonceau6987]

@@BlazinBlades I find the nutritional & anti-viral natural info in the "medical medium" books a great guideline. That guy also has a free online blog & website.

[@patriciaburr4826]

Great video Bob as usual. I love the idea of the HSA. I now plan to get one right after my van purchase. Still planning for my nomad journey. You are my original inspiration and I hope to meet you someday.

[@thizizliz]

Really helpful info Bob. What a good video. I suspect you've helped a LOT of people.

[@CamperGirl03]

Very informative! Thank you, Bob!! LOVE your channel!

[@HighDollarHobo]

I always liked the video before I watch it! Because I always know it's going to be informative. Beautiful background Bob!

[@nitay8248]

HighDollarHobo so do I!

[@susano7587]

I LOVE your background, Bob!!! Thank you for the information about Health Care. This is what is stopping me from taking the plunge and joining you all. I have sleep apnea that requires oxygen at night, and haven't yet figured out if I am able to live on "solar only" with my health requirements. I have good insurance, but I don't think my oxygen provider would be willing to work with me if I were living on the road. Maybe one day you can do a blog for people who use oxygen to sleep, and live the nomadic life. I am very grateful to you.

[@Ann-jh9bn]

This is such a great video! It gave me a new perspective on HSA accounts. Thank you!

[@todhunt182]

I feel better just by seeing the scenery behind you! Now that's a free health plan.

[@alsemi-back-up579]

Good INFO. Bob. Nice to Know. Great video also. Thumbs up!!

[@theeggandi6391]

I had an HSA when they first came out and my high-deductible policy was reasonably priced and a good deal. After 5 years, though, the monthly premium had increased to greater than a traditional low-deductible policy and I had worse coverage to boot. Complete rip-off.

[@Angel-yl1ck]

Thanks for your input. I was going to look into it.

[@sunsetatshabooms4558]

He said have an hsa & catastrophic ins not a traditional health ins

[@barefootincactus]

Good information, got the HSA info right. Thank you!

[@axdesho]

Bob more great information - love it and hope to meet you some day.

[@wyrick6869]

New subscriber getting ready to go on the road , your information is so valuable it's crazy ! Thank you so much ! KW.

[@earthspirit8286]

Beautiful background , thank you for sharing this info with us all. Was Great to meet you at the Tiny(house) Festival yesterday. Sincerely Diane and Raymond

[@skooterfd]

The health savings account never went anywhere because most were "use it or lose it" setups. In other words, you could put in pre-tax dollars, but if you didn't use it all you would lose all that money at the end of the fiscal year and would have to start over again at zero in your account!

[@lynettering8252]

Thank you! I was surprised to hear Bob say what he did. All of the Health savings plans that I have ever known of were "use it or lose it". So the info about it 'building up' is incorrect in most places.

[@JD-st5ys]

From IRS Publication 969: Balance in an HSA An HSA is generally exempt from tax. You are permitted to take a distribution from your HSA at any time; however, only those amounts used exclusively to pay for qualified medical expenses are tax free. Amounts that remain at the end of the year are generally carried over to the next year (see Excess contributions, earlier). Earnings on amounts in an HSA aren’t included in your income while held in the HSA.

[@debibaird]

FSA 125 funds are use it or lose it. HSA funds carry over.

[@chrisstewart5008]

There are different type of accounts. FSA (flexible spending accounts) are use it or lose it but you don’t need a high deductible health plan. HSAs (health saving accounts) are not use it or lose it but require a high deductible health plan. Both, if provided by your employer, have tax advantages. HSA can be done even if not offered through your employer.

[@laurabehenna9602]

Many communities have public-funded Community Clinics that accept both uninsured and insured patients. They don't turn people away because they can't pay. Most provide good basic health care. I used to work for the community clinic in Helena, Montana. That clinic also had a referral network of specialists who accepted reduced fees according to our clinic's sliding fee scale. Look for clinics like this online for wherever you're going.

[@joanie-threefeathersspirit4478]

Thank you. This was one of my main concerns. I will check out that healthcare savings account.

[@covetthecamper2289]

Still great information. My wife & I are early 50’s going to live in our RV year-round to live frugally & see this beautiful country of ours. Thank you Bob. So many awesome ideas here on your channel. 👍🏻

[@Lore67]

Thank you for the info on the HSA i had no idea i could do this .

[@regenagroen4631]

Beginning? FUNNY LMBO!!!!! THANKS for all the great info. Bob really appreciate it!!!! LOVES/HUGS to you & Cody!!!

[@trustinwwjd1997]

Thanks so much for sharing such an info subject,,,, Safe, happy & blessed RVing on your all journey,,,,

[@HumbleVoyager]

Great advice, Bob. Thanks!

[@MegavanMike]

Very good info. Thanks Bob!

[@merium401]

Great video! So ooooo beautiful where you are! Thanks for all you do to help

[@TheEmster2011]

Thank you so much for info.

[@Charlotte-rb8kc]

Important info. Beautiful scenery too.

[@humanity941]

Wow in australia we pay nothing if someone cannot afford it including surgeries etc and our insurance isnt very expensive compared to america

[@beth5247]

Irrelevant! I can not drive my van to Australia lol

[@susanstevens4234]

Here in the US we got lucky about 70 years ago, and our doctors had enough say to put a stop on universal medical. Now, we are run, through and through by corporations. You can see who corporate American is looking out for-themselves.

[@TheVintageBumbleBee]

I'm coming to live in your backyard mate!

[@Idahomie]

@@beth5247 You can be a part of a non profit that lobbys for some sensible plan in your state...As a veteran nurse...i can tell you that the fox is in the chicken house...and the co's are pay theor PR outfits to lie to use daily...to fool us otherwise

[@johnd4348]

You pay for it thru Taxes. We have 20 percent taxes You have 70 percent taxes or more.

[@Angel-yl1ck]

Bob, You have so much information and are so great at sharing. I've followed you for a while. I am in Medford, did you see me waving as you drove by...:-) The Lovely Lady Shasta looks beautiful behind you. I hope you got to stay a day or so there. Burney Springs is just down the road in a SE direction towards Mt. Lassen. I hope you stay off the five and drive the three ninety five towards Susanville. That's such a beautiful route. Blessings.

[@pburgess888]

Thank you Bob!! So appreciated!!

[@JOHNMORIN100]

Wow what a WELL OF HELP THANK YOU. the Morins in Milo, Maine 100 PLUS points THANKS

[@imotngayang6209]

Great information as always. Thank you Bob

[@ImASurvivorNThriver]

This was GREAT! Thanks for sharing.

[@dinosaur304]

Thanks Bob, this is very helpful.

[@Lumencraft-]

I with you on the HSA Bob, they are a great way to prepare for the road ahead, doge taxes, and potentially leverage compound interest.

[@whatsananna]

I’m a family nurse practitioner and this is really good, really well thought out. Thanks!

[@jasonmarcfromi1742]

Great info Bob !

[@ChrisRI1000]

Excellent advice especially the HSA advice. Never thought of using an HSA and how handy it can be for more then just paying healthcare bills.

[@jamesd4923]

Great information continued good health to you. Thanks

[@susanpremo8068]

We were just talking about this, thanks for addressing this.

[@laurajphillips]

Great Info! Thank You ! 👍❤️❤️

[@waynemontpetit8181]

Don't forget about FQHCs (Federally Qualified Health Centers). You can look them up in your area. Your tax dollars have paid for these your whole life without knowing it ☺️ They cannot turn you down for any reason, you also don't need ID (a number of undocumented individuals go to the one in our town with no ID), do have a sliding scale. And if you're unable to pay they are legally obligated to not turn your account over to a collection agency.

[@SarahQMalone]

GREAT ADVICE!

[@thesoulfultrampjami3892]

Thanks Bob, good info

[@shirleyrichards6705]

Hi Bill good category to talk about..

[@darlenesee2561]

My (very good) primary care in Asheville NC recommended Liberty Health Share - it is pretty good - alt to insurance

[@mikewilley3190]

Good information thank you 😊

[@randypierce9485]

Great information for the nomadic community. Health care is very important as so many people require care out on the road.. I'm still trying to trade my rumble bee truck for a van.

[@mayinnlin1879]

Thank you Bob! 👍😊

[@billbabcock6324]

Bob you do a great job!

[@sobersojourner2908]

Such a great video. Going to look into opening a HSA.

[@onedaycloser2872]

Excellent, thank you.

[@sacredstonecards9051]

Thank you Bob

[@zenfarrier1473]

Great channel Bob!

[@sunsetatshabooms4558]

Thank u so much for this!

[@redrobin99]

Excellent info.

[@danceswithbears2521]

I had a plan that only covered my state. I got sick in another state and had no coverage. Now I have a plan which covers the entire country.

[@Lotuslaful]

what plan did you find that does that?

[@TrotterDel]

In the United Kingdom we have a National Health Service. Free at the point of need. Yes it can be abused, but there will never be a bill waiting for you after treatment. TBH, it’s the crowning glory of our, sometimes chaotic country.

[@melissabeissner5325]

Free health care? You pay 70-75% of your income for that "free" care.

[@TrotterDel]

Where on earth do you get that figure from ?

[@TrotterDel]

National insurance rate is 12% of income. Paid at source, as part of deductions from pay. This now provides cover for all. Your family, the guy next door, the people out of state are not going to die from a preventable disease, meds’ would be made available, although an extra charge of £9 ($10) is made per item, be it aspirin or the most expensive drug you can think of. It ain’t perfect, but I do know that I’m safe, as are my family. And as a pensioner, I no longer contribute.

[@anitavaughn1968]

Bob! What beautiful mountain is that in the background?

[@kateburk2168]

Bob, are you keeping your pharmaceuticals cool? Excessive heat tends to degrade them.

[@KashfuzzCrochet76]

Love ya of good stuff. Thanks!👏🌻🇺🇸

[@katwoman6523]

It's not everywhere, but Costco offers discounted prescriptions for those without drug insurance coverage.

[@kathybitzan7473]

Good share. Medicare as I checked. I can go to any urgent care where ever I am if I need a dr. But personally it's just easier to take care the best you can. At 69 it has paid off for me. Eating plant based and juicing works miracles. I'm based in WA state and was wondering if I need to change states. But it's nice here in the spring also. Actually it is probably a great area except winter. By Oct I'm gone. Maybe Sept I hope.

[@SuperPumpkin22]

FyI. If u Medicaid, it is state specific. U are only covered in the state that issued u the card. But if u are out of state and have to go to the ER, the Medicaid will cover that ER visit and that's all. If u have to be admitted u are suppose to apply for that states Medicaid.

[@edithdavis2848]

I have United Health Care/Humana., with medicaid and medicare. I hit thumbs up before video even starts.

[@lendaryreviews]

Such le93ndary advices. Thank you sir!. ^_^ stay happy

[@lsr69wontquit64]

Medicare does not cover dental, vision or hearing aids. I'm on Medicare thus minus these benefits.

[@jeffeisenbrei7128]

Mexico

[@TheVintageBumbleBee]

Well....we don't eat as much as we get older, so we don't need as many teeth, all my friends are wrinkly, so my vision is good enough and there isn't much good to hear in this world...so I'm gonna be okay!

[@leoblumhagen644]

Linda Rhodes get Medicare Advantage, dental, optical and hearing aid benefits, depends on the plan, of course you have to be 66

[@tallentstravels5727]

It also only covers 80% of WHAT THEY APPROVE of!

[@auroranite]

Tallent's Travels 80% is the max coverage most major plans offer. I’ll be happy if I can get that coverage when I’m 66. No one pays 100% coverage. Many don’t offer of extend coverage to dental- hearing- eyes.my current insurance only covers 50% of any dental work. I do think medicare should included dental in coverage. Good dental health affects body health.

[@johnharrelson890]

Excellent video Bob, thankfully I'm covered 100% by the Veteran's Health Care System, except for Dental and a $5 co-pay for meds. But I can't help but think there must be a lot of military veterans out there on the road who are confused or un-informed on how to use the VA system when traveling. I don't know if you are a veteran or not, but either way, could you/would you, make a video about using the VA system for traveling veterans ? Thanks Bob, Carolina Cowboy

[@kimberlyjohnson4319]

All your videos are awesome thank you for sharing your knowledge. Problem with obama insurance is in network means your only covered in your state not when you travel.

[@yepme6484]

I was going to go to salem yesterday Sunday, to the event "Tiny homes". But a friend schedule, is hard to get together, so we instead we went fishing umpqua river. I was going to say hi to you, but maybe another time.

[@FranciscoRodriguez-ku1nl]

Please guys. With this wonderful life you are living, not a chance to get sick. Love your videos, thanks.

[@theacase8738]

Crossing state lines with prescriptions can be limiting. My last experience I was told the prescriptions can be transferred once.

[@priola7587]

And... once you are 65 you qualify for Medicare. You need to sign up during the 7 month period .... 3 months before your birthday, the month of your birthday, and 3 months after. No cost. Part b, costs and comes out of your social security if you enroll. Part d is prescriptions. Remember to at least sign up for Part A.

[@priola7587]

@Talker pauls part c is like an hmo. Most people don't get it because it limits you to the approved doctors. Most get part b, which is more like regular insurance. B and C and D cost money. I'm just learning by reading articles.

[@todddunn945]

@Talker pauls Medicare Part C is also called Medicare Advantage. Basically it is private insurance that replaces your Medicare. You still have to pay the Part B premium ($135.50 in 2019) and may also have to pay an additional premium. Medicare Advantage plans are regional just like all other private insurance in that you have a network of doctors you can use and have very limited coverage outside your region.

[@ronstrobel9227]

@Talker pauls It is Medicare Advantage -- think: HMO. ~ Kir in Tennessee

[@leoblumhagen644]

priola7 I can get a Medicare Advantage plan in Florida that is a PPO my wife has it now, she was just in the hospital 21 days total cost under $2,000.00 included emergency room and ambulance transport. Most RX are no charge, cost to her under $125.00 per month

[@patriciaburr4826]

Just a note...if you're already collecting social security before 65 yrs old...they automatically sign you up for medicare. You don't have do it 7 months ahead of birthday.

[@zoommikerobinson3315]

Also, it you're Veteran (making $32,000 or less) you get 100% free medical coverage. Prescriptions can be phoned in, by letting them know to enroll you in the Traveling Vet Program. They will mail a prescription anyplace you ask them.

[@Heatherly42]

That's so interesting you chose North Carolina! I live on the east coast, could you tell me why NC and not Tennessee? Thank you Bob!

[@nostressmike]

I use gold/Silver to pay doctors. You pay half price and service is immediate. Plus I take care of myself, don't get sickly. Mike

[@misadventureswiththemartys312]

Love It.

[@4040smokey]

I hope someday you do a video on how tribe members are supported by the other tribe members when they have severe health or financial problems.

[@lisaoldwithsomanywhys5487]

amazing 👏❣️👏

[@shellyscott6447]

Good Luck w/Medicaid!! My son had it and No one would except it. We are in Kentucky

[@shellyscott6447]

@@welcometoreality3450 I don't know what that means? All I know is what he went thru

[@kitty46802]

With the HSA you still have to pay for the underlying health care policy while your funding the deductible money in the HSA. FOR EXAMPLE. I funded my deductible account with tax return money but I'm still paying a monthly cost on the underlying health insurance policy.

[@KimberleyPaige1]

I wish more people would refer to it as the Affordable Care Act ACA - yes it happened during the Obama administration but a lot of people fought long and hard to get expanded access to healthcare offered to all people. Hopefully one day we won't have to worry about healthcare and medical bills. Healthcare should be a human right!

[@suedejanovich8255]

Whwer are you Bob? Not getting the old you tube things I have watched before. Also when in RTR 2020???? I want to come. This is so good.

[@sunflower9797]

In NY the income cap for Medicaid is over $16,000. That's quite a bit of money for someone who doesn't have to pay rent or other bills. Medicaid pays 100% of everything, and they even paid ME $50 to have a mammogram.

[@pjpoet1]

Great info. Thank you so much! I sleep with a CPAP, are the power sources in a van or RV enough to power it? This question is of critical importance to me.

[@pearllgarcia6839]

Lisa Murphy Sure. It is just like powering any appliance. Just look at the back of the machine to see how many amps or watts it uses and then add that to the total amps or watts you need from your solar panels.

[@gypsydanger2271]

I don't have insurance...50...live in a camper...no pharmaceuticals...healthy smoker...lol. Thanks for going over my options Bob.