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Old 10-14-2021, 10:43 AM   #1
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Medicare While Full-Time

I'm planning to retire next year, sell my house, and begin living FT in my RV. I've been wondering how people handle Medicare. I plan to go with a mail forwarding service in SD, so is that where I will register for Medicare and buy the supplemental plan? Are you able to go to doctors in any states as long as they accept Medicare patients? I've seen that Medicare Advantage is for local providers only, so I know to just get the regular supplemental plan and not Advantage. I met with a SHIIP counselor recently, but she couldn't answer these questions. Any help would be greatly appreciated! Thanks!
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Old 10-14-2021, 10:53 AM   #2
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Quote:
Originally Posted by pbwhitney View Post
I'm planning to retire next year, sell my house, and begin living FT in my RV. I've been wondering how people handle Medicare. I plan to go with a mail forwarding service in SD, so is that where I will register for Medicare and buy the supplemental plan? Are you able to go to doctors in any states as long as they accept Medicare patients? I've seen that Medicare Advantage is for local providers only, so I know to just get the regular supplemental plan and not Advantage. I met with a SHIIP counselor recently, but she couldn't answer these questions. Any help would be greatly appreciated! Thanks!
Ask Joe Namath. Just kidding but want to follow this.
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Old 10-14-2021, 11:20 AM   #3
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Yes,
SD will become Your true permanent home state for all intents and purposes.
You will have to get/register a Medicare plan based /approved for sale in SD.
Also choose carefully to insure that it is good for All of the US & hopefully in CA/MX as well.
You will also need to transfer Your Auto & RV license(s), insurance, Banking, & Investments and so on to Your SD address...
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Old 10-14-2021, 11:56 AM   #4
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RE: Banks and Investments

saddlesore,
I'm in the same situation minus Medicare, but I have read on various sites that banks, cc and investment firms have an issue with using a PMB, have you experienced that?
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Old 10-14-2021, 12:27 PM   #5
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We have been full timers for almost 2 years. Our previous permanent address was in Texas so we changed our domicile to Livingston, TX with Escapees mail service. We have had only one issue with one bank (Ally), all of our other financial institutions (credit union, investments, insurance) had no issue.

We changed our Medicare/Medicare supplement addresses to be Livington, TX and have no issues with Medicare while traveling. Last summer (2020), I had 2 major issues; ER visit in Dickinson, ND, and brain surgery in Colorado Springs - absolutely no issues with Medicare. I also need to have blood work done every 30-45 days - no issues, except finding a lab. We use Walmart pharmacy for our medications and getting refills has worked well - somewhat of a hassle to have to xfer Rx between Walmart pharmacies.

We use BCBS of TX as our supplement for Medicare. Again, we have had no issues.
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Old 10-14-2021, 12:47 PM   #6
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We used the Escapees Texas address with no problems with financial institutions. Our Medicare and our regular supplement (not Advantage) easily went where we were traveling. Absolutely no issues. Everyone accepted it and we also had surgeries along the way.
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Old 10-14-2021, 01:49 PM   #7
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Quote:
Originally Posted by winglet22 View Post
saddlesore,
I'm in the same situation minus Medicare, but I have read on various sites that banks, cc and investment firms have an issue with using a PMB, have you experienced that?
Disclosure.. We use the Escapees Store front address in Box Elder, SD..
We just transferred our Oregon bank accounts to a
SD branch of the same bank, Same with our investments provider & retirement funding[s].. no issues.
[note.. we just list the PMB# as simply a #, like it is an apartment or RV space number, without disclosing that it is a PMB#]
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Old 10-14-2021, 02:13 PM   #8
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https://www.aarp.org/health/medicare...advantage.html

This is only part of the long 4 page article in AARP's monthly "paper" they send to members. Lots of good information that might help.
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Old 10-15-2021, 09:33 AM   #9
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After 12 years with Medicare, a supplement, and Part D (drug plan), we have never had a problem with it on the road. We use Livingston as our address, primary care physician in Arizona where we spend the winter, Dave even had open heart surgery in Mesa, AZ in 2020 (just as Pandemic unloaded in AZ).

We use Walgreens for a pharmacy and also Express Scripts. We've used Express Scripts since 2001 (required through our work) for all maintenance meds until the mail fiasco of 2020 when mail was slowed way down. Since Dave was a recovering heart surgery patient, we did not want to run out of his meds! Thankfully our part D plan now allows us to use either Express Scripts or Walgreens for the same amt of copay for our scripts. Walgreens is easy because you order your refills on line and can simply change the pickup location for a one-time only pickup. We started doing this with his insulin (has to be kept cold) and have since added all of his meds that way. I still get mine through Express Scripts - not a big worry if it takes a little longer to get to me, I've managed to have a 45 day ahead supply all the time after over a decade on the same medications. Haven't managed to get a good supply of Dave's meds yet because they are still changing them out to find the right combination to keep his heart and kidneys happy.
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Old 10-15-2021, 02:25 PM   #10
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Regular medicare and AARP suppliment have been accepted everywhere we travel. When we sold our FL home we bought an RV lot in FL so that is our address of record. The park forwards our mail to wherever we ask them to. We use a mail order pharmacy for all prescriptions and the ship to anywhere we ask them to. Actually owning property simplifies a lot of things like banking, insurance and health care. If we decide to winter somewhere else, renting out a FL lot is easy.
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Old 10-15-2021, 03:06 PM   #11
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I’m surprised ship …state health insurance assistance program …. ( other names like shiba shick or other names ) wasn’t more help for you. I suppose it depends on the state. All states are required to have the program , some must be better than others. Oregon (SHIBA) was very clear and even had a thick booklet with info.
Supplements are all by law equal. Not in price as ea insurer sets the price but in benefits. Look carefully at deductibles of any in the alphabet plans and make you decision on that. For example all G plans are exactly the same.
The only issue I had was many Drs aren’t accepting new patients on Medicare. They service and take their existing patients under Medicare however some won’t see you as a new patient . I certainly found several that were so it was no issue in the end. Only point is they aren’t forced to accept new Medicare patients . Emergency or clinic care was and is no issue to be seen and paid for
I’m now based in Florida with a Florida address and plan is based on my zip code there but my Dr is in the town my sister in law is , in Oregon. We fly to or are traveling in the area at least once a year. No issues. Walmart fills all scripts as their database is nationwide and I can call any and get then filled wherever I am.
Being on Medicare solves a bunch of problems health insurance wise.
We have a permanent rv resort lot address now but I never had an issue with banks when we had a mailbox service and if they wanted a “hard” address , I gave them my sister in laws and used the mailbox as a “mailing address” almost all will allow you to have the two different addresses. They just need a hard address where they can connect to you or knows where you are if needed. Part of homeland security rules.
My sil knew our location at all times. For security we texted our daughter and sil every day ( still do) that we were on the move with our new location, and how long we were going to be there
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Old 10-15-2021, 04:23 PM   #12
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We use St. Brendan's Isle in Florida for our address and have AARP supplement . We use it all over the country with no problem.
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Old 10-16-2021, 08:21 PM   #13
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I’m surprised ship …state health insurance assistance program …. ( other names like shiba shick or other names ) wasn’t more help for you. I suppose it depends on the state.
The program in Iowa is called SHIIP, and I did meet with one of them. She apparently hasn't worked with someone who lives FT in an RV and couldn't answer my question. I told her I was on some RV forums and would post my questions there, and she just said that was a good idea. It looks like it IS a good idea considering the information I've gotten from all of the responses! Thanks for taking the time to write! This is really helpful!
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Old 10-16-2021, 08:28 PM   #14
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Originally Posted by B52Rnav View Post
We have been full timers for almost 2 years. Our previous permanent address was in Texas so we changed our domicile to Livingston, TX with Escapees mail service. We have had only one issue with one bank (Ally), all of our other financial institutions (credit union, investments, insurance) had no issue.

We changed our Medicare/Medicare supplement addresses to be Livington, TX and have no issues with Medicare while traveling. Last summer (2020), I had 2 major issues; ER visit in Dickinson, ND, and brain surgery in Colorado Springs - absolutely no issues with Medicare. I also need to have blood work done every 30-45 days - no issues, except finding a lab. We use Walmart pharmacy for our medications and getting refills has worked well - somewhat of a hassle to have to xfer Rx between Walmart pharmacies.

We use BCBS of TX as our supplement for Medicare. Again, we have had no issues.
Thank you for the information! I see a few people are using Escapees mail service in Texas. Is there any particular reason why you went with that service? Since I'm from the Midwest, I was planning on going with SD. I'm so sorry you had to have brain surgery, but I'm glad to hear everything went well and you didn't have any problems with Medicare. I hope you're doing better now!
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