Journey with Confidence RV GPS App RV Trip Planner RV LIFE Campground Reviews RV Maintenance Take a Speed Test Free 7 Day Trial ×
RV Trip Planning Discussions

Go Back   iRV2 Forums > RV LIFE STYLES FORUMS > Full-Timers
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
 
Thread Tools Search this Thread Display Modes
 
Old 01-23-2023, 04:48 AM   #1
Junior Member
 
Join Date: Jan 2023
Posts: 3
Health Insurance - Medicare

Hello, I am researching and planning to FT RV and do some traveling. Any suggestions or folks who are on Medicare and have found a plan that works for traveling? TIA. I will be 65 next year and trying to build health care costs into my budget and find plans that work for moving from state to state.
PlanBig63 is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 01-23-2023, 05:12 AM   #2
Senior Member
 
Join Date: Mar 2004
Posts: 289
My research led me to use Medicare Part A, B and D as they are accepted everywhere in the US. For supplemental coverage I went with AARP US Healthcare which appears will work everywhere too. If I recall correctly I’m paying in the neighborhood of $400-450/month for everything. Incredibly superior and cheaper coverage than I ever had working in the corporate world!
magicbus is offline   Reply With Quote
Old 01-23-2023, 06:06 AM   #3
Senior Member
 
Winemaker2's Avatar
 
Join Date: Nov 2006
Location: Western NY
Posts: 5,521
Quote:
Originally Posted by magicbus View Post
My research led me to use Medicare Part A, B and D as they are accepted everywhere in the US. For supplemental coverage I went with AARP US Healthcare which appears will work everywhere too. If I recall correctly I’m paying in the neighborhood of $400-450/month for everything. Incredibly superior and cheaper coverage than I ever had working in the corporate world!
Agree...
With conventional Medicare A, B & D you have several choices gor supplemental so work with an agent to find the best one for your situation, Rx drugs, etc. Just avoid Advantage plans as they can tie your hands re "network" restrictions, pre-approvals etc... harder when traveling to different locations.
My previous employer reqd us to use AARP /United Healthcare (to receive a supplement$) but have been very satisfied so far (7 yrs and a few operations)
__________________
Don & Marge
'13 Newmar Ventana 3433 - '14 CR-V TOAD
'03 Winnebago Adventurer 31Y - SOLD
Winemaker2 is offline   Reply With Quote
Old 01-23-2023, 06:25 AM   #4
Senior Member
 
Park Super's Avatar
 
Winnebago Owners Club
Join Date: Dec 2016
Posts: 157
Standard Medicare parts A and B. If you are not on prescriptions or even if you are we buy ours with cash at Costco. Great prices and if you are a member, you get deep discounts as well.
__________________
Martin & Michelle and our dog Blue, Paradise, CA.
2016 Winnebago Vista LX 27N, Sumo Springs, Safe T Plus, SS rear track bar, Dish
2017 Equinox Premier AWD V6, Blue OX base and bar, SMI Stay and Play Duo
Park Super is offline   Reply With Quote
Old 01-23-2023, 08:06 AM   #5
Senior Member
 
Join Date: Mar 2004
Posts: 289
Quote:
Originally Posted by Park Super View Post
Standard Medicare parts A and B. If you are not on prescriptions or even if you are we buy ours with cash at Costco. Great prices and if you are a member, you get deep discounts as well.
I learned the hard way that it is cheaper to just sign up for Part D and avoid the penalty that accrues for every year you don’t take it. I take no meds and signed up for part D this year. My med plan costs $6.42/month PLUS a penalty of $4.60/ month as long as I live and that was only after not having a prescription plan for a little over a year after retiring. Having no plan is great until something happens. Get a Part D plan and avoid the penalty which will be more than the plan after 2 years!
magicbus is offline   Reply With Quote
Old 01-23-2023, 09:52 AM   #6
Senior Member
 
Join Date: Nov 2018
Location: Beaver Dam, Wisconsin
Posts: 3,894
I agree. Medicare A, B, D. I added a low cost high deductible Medicare supplement. My wife has a low deductible higher cost supplement.

Use GoodRX.com to get prescriptions from the nearest lowest cost pharmacy and a typical 80% cash discount. Walmart Pharmacy often sells for the lowest cost. Pick n Save (Kroger) actually has some free with GoodRX.com prescriptions. GoodRX is free and once you find and bookmark the drug lookup page, it is extremely easy to use. Display it on your phone and show it to the pharmacy or print a "coupon".

My "D" plan is $30 a year. It is a Wisconsin State "Senior Care" plan for low income seniors. I do not have low income, but it meets the "be insured" for future discount requirement. I do not expect to meet the deductible or low income requirement to collect anything in the near future. I will switch if drug costs become a burden.

We discontinued my wife's drug plan and are saving money by using GoodRX and cash. Several prescriptions are now cheaper that the copay the insurance required.

All of this is valid for me and my wife for the entire USA.
__________________
Paul Bristol
Kodiak Cub 176RD
Nissan Pathfinder 2015
Persistent is offline   Reply With Quote
Old 01-23-2023, 10:07 AM   #7
Senior Member
 
AudiDudi's Avatar
 
Join Date: Jun 2017
Location: Western Montana
Posts: 891
Part A - free
Part B - $164.90
Part D - $7.60 via Wellcare
Part G - $122.00 via PanAmerican

Can see any Dr. that accepts Medicare.
__________________
Mike & JoAnne
Montana Summer / Arizona Winter
'16 Prism 24G / '02 HitchHiker 38 LKTG
AudiDudi is offline   Reply With Quote
Old 01-23-2023, 04:14 PM   #8
Senior Member
 
Join Date: Aug 2011
Location: Enjoying the Western States!
Posts: 17,504
We also use a supplement rather than an Advantage plan. We've had multiple hospitalizations and surgeries and I can't recall when we last had a bill. No co-pays with a supplement! We never had an issue when traveling.

We also use a prescription plan D - Silverscript/Aetna costs us $5.40/m this year. Last year WellCare was the best price. Enrollment for Part D starts in Oct - Dec.

We have one very expensive drug and using Good Rx is the cheapest for that.

We found that for traveling using WalMart is the easiest. They are found everywhere and it's easy to transfer from one place to another.
__________________
Full-timed for 16 Years . . .
Traveled 8 yr in a 2004 Newmar Dutch Star 40' Diesel
& 8 yr in a 33' Travel Supreme 5th wheel
twogypsies is offline   Reply With Quote
Old 01-24-2023, 09:35 AM   #9
Senior Member
 
Country Road's Avatar
 
Join Date: May 2021
Location: Brenham, Texas
Posts: 1,357
Quote:
Originally Posted by twogypsies View Post
We also use a supplement rather than an Advantage plan. We've had multiple hospitalizations and surgeries and I can't recall when we last had a bill. No co-pays with a supplement! We never had an issue when traveling.

We also use a prescription plan D - Silverscript/Aetna costs us $5.40/m this year. Last year WellCare was the best price. Enrollment for Part D starts in Oct - Dec.

We have one very expensive drug and using Good Rx is the cheapest for that.

We found that for traveling using WalMart is the easiest. They are found everywhere and it's easy to transfer from one place to another.
We are grandfathered in with Medicare Schedule F which became no longer available after January 1, 2020. I would miss the coverage because since we’ve had it, we’ve never received an additional payment request from anyone. We use it anywhere in the US.
__________________
Eddie and Jomaye, Retired
2018 Newmar Ventana 4369
2021 Jeep 4 dr Wrangler
Country Road is offline   Reply With Quote
Old 01-24-2023, 10:56 AM   #10
Senior Member
 
AudiDudi's Avatar
 
Join Date: Jun 2017
Location: Western Montana
Posts: 891
Quote:
Originally Posted by Country Road View Post
We are grandfathered in with Medicare Schedule F which became no longer available after January 1, 2020. I would miss the coverage because since we’ve had it, we’ve never received an additional payment request from anyone. We use it anywhere in the US.

The issue with Schedule F is that there are no new, younger, more healthy people signing up for it - therefore premuims are rising faster than scheude G as people get older and require more care. Eventually, schedule F will have 0 people in it and will go away.
__________________
Mike & JoAnne
Montana Summer / Arizona Winter
'16 Prism 24G / '02 HitchHiker 38 LKTG
AudiDudi is offline   Reply With Quote
Old 01-24-2023, 11:43 AM   #11
Senior Member
 
SailorSam's Avatar
 
Join Date: Apr 2016
Posts: 793
We attended a free seminar at a local college on Medicare 101. As a result of that, we "hired" a local insurance broker who got our medical needs and did a search to find what would work best for us. Based on our traveling, we were recommended to get a Medicare supplement plan as opposed to an Advantage plan. They then searched for which plan was the most cost effective for us, this was for both the supplement plan and our prescription plan. Initially, my DW and I got different plans, but two years on, we were recommended to change my DW's plan and we are now both carrying a policy from the same company. The agent reviews our needs every year and provides updated recommendations. As a result, we have changed our prescription plan several times.
Note that the cost of these plans can change every year and are dependent on your "home" address. So what works for us won't necessarily work for you. Also, by law, all of the supplement plans cover the same stuff. Prescription plans can all have different schedules for drugs, so your specific needs will dictate which plan is best.
My understanding is that most of these brokers get paid a commission for getting you signed up with them. Based on talking to friends, our broker is giving us the best deal for our needs. For these plans, you can elect to pay the bill directly or have the cost deducted from your Social Security check. I think the deduction route is best - no chance of losing coverage due to non-payment.

We picked our particular agent because they also offer a financial planning service. They operate as fiduciaries requiring them to base their recommendations on our best interest, not what gets them the highest commission. There are also a few nation-wide companies offering these services, in our case our local guy got us a better deal! Nation-wide company did not work with all of the available suppliers.

One other note, all companies are required to accept you when you first sign up, no medical review allowed. After that, to change they may require do a health review before accepting you for coverage.



YMMV - good luck and happy travels.
__________________
Al SE Michigan, F-150 Plat SCrew, Flagstaff 26FKWS, ProPride
Tolerance will reach such a level that intelligent people will be banned from thinking so as not to offend the imbeciles. Fyodor Mikhailovich Dostoevsky, Russian Novelist
SailorSam is offline   Reply With Quote
Old 01-24-2023, 01:30 PM   #12
Senior Member
 
Join Date: Aug 2011
Location: Enjoying the Western States!
Posts: 17,504
Quote:
Originally Posted by Country Road View Post
We are grandfathered in with Medicare Schedule F which became no longer available after January 1, 2020. I would miss the coverage because since we’ve had it, we’ve never received an additional payment request from anyone. We use it anywhere in the US.
Same here... we're grandfathered into Supplement Plan J which we got in 1990's. It's been amazing for us!!
__________________
Full-timed for 16 Years . . .
Traveled 8 yr in a 2004 Newmar Dutch Star 40' Diesel
& 8 yr in a 33' Travel Supreme 5th wheel
twogypsies is offline   Reply With Quote
Old 01-25-2023, 10:14 AM   #13
Senior Member
 
SailorSam's Avatar
 
Join Date: Apr 2016
Posts: 793
Quote:
Originally Posted by Country Road View Post
We are grandfathered in with Medicare Schedule F which became no longer available after January 1, 2020. I would miss the coverage because since we’ve had it, we’ve never received an additional payment request from anyone. We use it anywhere in the US.
Quote:
Originally Posted by twogypsies View Post
Same here... we're grandfathered into Supplement Plan J which we got in 1990's. It's been amazing for us!!

We looked at both of those plans. The premium cost of the plan was higher by the amount of the deductible cost that was charged for the similar plan with the deductible (F vs G or J vs K). Our agent also said that they expected the premium for both of these plans to increase faster than the with deductible plans that were available. A case of pay me now or pay me later.
__________________
Al SE Michigan, F-150 Plat SCrew, Flagstaff 26FKWS, ProPride
Tolerance will reach such a level that intelligent people will be banned from thinking so as not to offend the imbeciles. Fyodor Mikhailovich Dostoevsky, Russian Novelist
SailorSam is offline   Reply With Quote
Old 01-25-2023, 11:11 AM   #14
Senior Member
 
BillJinOR's Avatar
 
Monaco Owners Club
Forest River Owners Club
Join Date: Jul 2012
Posts: 3,099
Health Insurance - Medicare

The point of all of it is to get a supplement plan and stay away from advantage plans. There are some advantage plans that have wide area coverage, but not many. Advantage plans take you out of Medicare and put you in what is essentially private insurance with their own network. And they can offer some additional benefits like dental hearing vision. However, you give up the ability to see any doctor that will except Medicare without going out of network at normally higher cost to you.
I have a union arranged retirement advantage plan through united healthcare but it’s not available to the public and covers any dr that takes Medicare payment , no co pay no deductible, no network. With additional benefits. Including drugs and hearing.
My DW in contrast pays 164.50 Medicare B 170 for a united healthcare supplement g ( not an advantage plan) and 30 bucks for a drug plan About 365/Mo. all in. Rates are based on your “domicile”. address. That would be about the amount you would look at paying. With an advantage no cost plan you could look at just the 164.50 or if your very low income the 164.50 can be rebated back also .. But who you can see and when is highly controlled and there are copays for everything and deductibles. Not good for someone traveling a lot.
I will add a G or any other supplement plan is identical coverage from one insurer to the other , but the rates aren’t , shop wisely.
__________________
2023 Coachmen Encore 325SS
2002 Ford Escape toad
2020 GMC terrain
BillJinOR is offline   Reply With Quote
Reply

Tags
insurance



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
National Health Insurance -Philadelphia American Life Health Insurance?? Nevermind Me iRV2.com General Discussion 2 10-26-2020 05:10 PM
No options left for pre-Medicare health insurance in SD for fulltime RVers WheelingIt Full-Timers 185 06-05-2015 12:04 PM
Where did you buy health insurance to cover gap before medicare DAJO Just Conversation 13 04-10-2013 06:50 PM

» Featured Campgrounds

Reviews provided by


All times are GMT -6. The time now is 03:06 AM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2023, vBulletin Solutions, Inc.