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05-09-2017, 11:57 PM
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#1
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Senior Member
Join Date: Apr 2017
Location: SW USA
Posts: 927
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Medical Care on the road
Hi,
I am disabled and on medicare. I dont have any supplimental plan to cover my 20% because those plans are actually more expensive than just paying the 20% in many cases.
Since i am thinking about taking the long rv trip all over the US which could take a year, i was wondering if anyone can help me with inforamtion on my options about medical care or a doctor visit should i need one on the road.
Do i just find a doctor and schedule it whever i am and then after i go to the appointment i can continue my trip or how does that work.
Thanks
__________________
Courage is being scared to death and saddling up anyway!
The earth is round but the world is square.
2007 Gulf Stream Conquest Surpreme
2008 Dodge Ram 1500 Quad Cab 5.7 HD cooling
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05-10-2017, 12:35 AM
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#2
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Senior Member
Join Date: Nov 2011
Posts: 601
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Dave,
I am not disabled,but do take many prescription medicine mostly for old people's stuff-diabetes-blood pressure-arrhythmia and on and on. I can go to a local doctor and get my prescriptions for a year at a time. Then,I go to a lab service, like Labcorp, and get blood work done. The results are sent to the doctor that requested the tests and wrote the prescription. We have been fulltime for six years and it has worked. Just a pain to have get the tests.
__________________
Jim and Darlene Wright
plus Ryder,Poodle and
garbage disposal cross
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05-10-2017, 07:09 AM
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#3
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Senior Member
Newmar Owners Club
Join Date: Nov 2011
Location: Chattanooga, TN
Posts: 1,796
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If you have a motorhome, I wouldn’t leave home without becoming a member of FMCA if you aren't already.
__________________
Chuck, Sara (RVM 50.5) & Chopper (the fuzzy 1)
2003 DSDP w/2015 Jeep Wrangler, 2 Kayaks & 2 bikes. Living and Loving life.
RVM50
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05-10-2017, 07:44 PM
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#4
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Senior Member
Join Date: Apr 2017
Location: SW USA
Posts: 927
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@halfwrite - yeah i spoke to my pharmacy today and they said i can pick them up at any store nationwide. Im waiting to hear back from my doctor.
Quote:
Originally Posted by chuckinthebus
If you have a motorhome, I wouldn’t leave home without becoming a member of FMCA if you aren't already.
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No its a 5th wheel..
__________________
Courage is being scared to death and saddling up anyway!
The earth is round but the world is square.
2007 Gulf Stream Conquest Surpreme
2008 Dodge Ram 1500 Quad Cab 5.7 HD cooling
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05-11-2017, 07:20 AM
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#5
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Senior Member
Newmar Owners Club
Join Date: Nov 2011
Location: Chattanooga, TN
Posts: 1,796
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Quote:
Originally Posted by durangod
@halfwrite - yeah i spoke to my pharmacy today and they said i can pick them up at any store nationwide. Im waiting to hear back from my doctor.
No its a 5th wheel..
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This summer there is talk about changing their charter to allow all RVS to join. They have a fantastic medical assist plan that really works.
__________________
Chuck, Sara (RVM 50.5) & Chopper (the fuzzy 1)
2003 DSDP w/2015 Jeep Wrangler, 2 Kayaks & 2 bikes. Living and Loving life.
RVM50
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05-14-2017, 08:51 PM
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#6
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Senior Member
Join Date: May 2017
Location: Vancouver Wash
Posts: 7,227
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Another thing to look at is Sky Med...
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05-16-2017, 07:15 PM
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#7
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Junior Member
Join Date: May 2017
Location: GA
Posts: 21
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Quote:
Originally Posted by bob caldwell
Another thing to look at is Sky Med...
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X 2 on Sky Med. Later RJD
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05-18-2017, 07:17 PM
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#8
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Senior Member
Join Date: Mar 2014
Location: Michigans U.P.
Posts: 213
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Good grief I'm tired. I thought your title read Medieval.
__________________
One dog. No cats. No kids. Just the 3 of us.
'21 CTD Ram 3500 SRW * Bypass oil filter * Amso
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05-18-2017, 11:25 PM
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#9
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Senior Member
Join Date: Apr 2017
Location: SW USA
Posts: 927
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Quote:
Originally Posted by Whitewolf
Good grief I'm tired. I thought your title read Medieval.
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Wow i never noticed the typo... thanks ill get that fixed
__________________
Courage is being scared to death and saddling up anyway!
The earth is round but the world is square.
2007 Gulf Stream Conquest Surpreme
2008 Dodge Ram 1500 Quad Cab 5.7 HD cooling
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07-10-2017, 02:52 PM
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#10
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Senior Member
Join Date: May 2017
Posts: 233
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Quote:
Originally Posted by Durango Dave
Hi,
I am disabled and on medicare. I dont have any supplimental plan to cover my 20% because those plans are actually more expensive than just paying the 20% in many cases.
Since i am thinking about taking the long rv trip all over the US which could take a year, i was wondering if anyone can help me with inforamtion on my options about medical care or a doctor visit should i need one on the road.
Do i just find a doctor and schedule it whever i am and then after i go to the appointment i can continue my trip or how does that work.
Thanks
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You can go to any urgent care facility throughout the nation to see a doctor if needed. Prescriptions can be obtained there if needed. If you are on maintenance medications, you can get refills at any Wal-Mart pharmacy nationwide if you are already a pharmacy customer of theirs.
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07-10-2017, 03:54 PM
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#11
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Senior Member/RVM #90
Monaco Owners Club
Join Date: Nov 2002
Location: Columbus, MS
Posts: 54,578
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Dave, I think you are really rolling the dice on not having the Medicare supplement insurance! You never know when you will need extensive medical care, surgeries, etc., and you're gonna be in a world of hurt having to pay the 20%!
My wife has had eight neck and back surgeries in the last five years, plus numerous nerve blocks between the surgeries. We have the Plan F supplement on her, which pays everything that Medicare doesn't. I shudder to think what we would have had to pay without the supplement!
I have the Plan G, which has a yearly deductible, but with the lower monthly rates I'm still saving over $400 per year over the Plan F. She can't change because of all her surgeries!
__________________
Joe & Annette
Sometimes I sits and thinks, sometimes I just sits.....
2002 Monaco Windsor 40PBT, 2013 Honda CRV AWD
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07-13-2017, 05:17 AM
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#12
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Senior Member
Fleetwood Owners Club American Coach Owners Club
Join Date: Mar 2011
Posts: 6,754
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You can go to any walk in clinic (be sure they accept Medicare) and they will provide treatment and file your claim.
__________________
2014 American Eagle 45T
DD 13, 500 HP
Pulling a Honda CRV
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07-16-2017, 11:13 PM
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#13
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Senior Member
Join Date: May 2014
Location: Huntsville, AL/Helen, GA
Posts: 1,553
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My wife is like so.many disabled people that are on Medicare--on controlled substances (medicines.). She is required to go to her physician monthly and no prescriptions can be postdated.
She is carefully managed by a great pain management clinic. We have to be very careful scheduling her appointments when going on trips, but she will never be able to be fulltimer without going home monthly.
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07-17-2017, 12:26 AM
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#14
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Senior Member
Fleetwood Owners Club Ford Super Duty Owner
Join Date: Jun 2012
Location: SoCal
Posts: 15,749
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Since on straight Medicare, and not a Medicare Advantage program, you can go to any doctor anywhere, anytime - just make and appointment or use a walk-in clinic. Just be sure they accept Medicare assignment, which nearly all do. This ensures they will accept the reimbursement that Medicare will pay.
As for going without a Medigap coverage to pay the 20%, that's rolling the dice. For my wife we pay $137/month for a G plan plus $183 annual deductable.
As you know, without a part D plan you have no prescription coverage. For my wife we pay $22/month plus zero to a few dollars copay per prescription fill. The plan works with Walgreens, which are located nationwide. Without a part D plan, Walmart is likely your lowest cost self pay option.
No dental coverage in Medicare. Consider going to Mexico to get lower cost services, across the border from Yuma AZ for example.
__________________
Vince and Susan
2011 Tiffin Phaeton 40QTH (Cummins ISC/Freightliner)
Flat towing a modified 2005 Jeep (Rubicon Wrangler)
Previously a 2002 Fleetwood Pace Arrow 37A and a 1995 Safari Trek 2830.
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