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Old 11-04-2015, 01:12 PM   #1
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Medical insurance for us travelers.

We spend a lot of road time going state to state. We have to change policies at end of year...our current company is changing eligibility. We have Medicare and need to work with that too. Any information would really be helpful. I can always count on fellow RVers for great suggestions.
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Old 11-05-2015, 04:45 PM   #2
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Some people on Medicare who travel full time have told me not to
enroll in an Advantage Plan because they are for a limited area and if you were out of state all that is provided is emergency care and some have had problems getting the Advantage Plan to pay for those claims.
People whom I respect told me to get regular Medicare and a supplement and then your issue will be to find health care providers who accept Medicare wherever you are. Good Luck
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Old 11-06-2015, 09:16 AM   #3
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I really appreciate your help. That gives us more information to bring to the table.
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Old 11-06-2015, 09:45 AM   #4
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Are you full timers or do you still have a S&B residences? If you full time, you may want to look into the ESCAPEES RV Cub for information on health insurance.

Now if you have a S&B residences a plan from AARP might work with a drug plan that works through a mail order pharmacy. This is what my DW and I have and our total combined cost is under $300 a month. We have never had to pay a co-pay nor have I or my DW had to pay any deducible so far.


I am looking at a total knee replacement early next year with zero outlay for me. If I was still working I would have to pay 20 % of the total cost on my end plus I had to pay $350 a month for insurance at work.
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Old 11-06-2015, 09:56 AM   #5
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I was just told that my advantage plan was accepted where ever medicare was accepted, if you are under the age of 65, or what ever your social security retirement age is, in some states you cannot get a medicare supplemental plan, and in the states that you can, the cost of the minimal coverage is outrageous, most states offer a advantage plan for those like me under 65, it is free (no cost), and you pay a maximum of 3,400.00 dollars a year out of pocket, and it covers prescriptions, no need for a part D plan, I called the lawyers office that got me social security, they have a medicare department, and most of all the advantage plans are through AARP, and you don't have to be a member, that is just the info I was told, so take it with a grain of salt, only my story, not a expert of advise,

by the way, my ssd lawyer was Binder & Binder, if that is ok to say,
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Old 11-06-2015, 12:59 PM   #6
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Insurance

Medicare Advantage is not free their is an increase in cost over regular Medicare but includes part d it's a hmo or a ppo plan
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Old 11-06-2015, 04:56 PM   #7
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I'm 63 and thinking retirement next February......This stuff makes my head hurt!!
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Old 11-06-2015, 05:08 PM   #8
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Insurance

Can't get Medicare until you are 65 unless you are disabled and been out of work for two years
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Old 11-06-2015, 05:52 PM   #9
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I have Humana Advantage Plan PPO. I have not had any problems. I live in south TX and have used it in KY while travelling.
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Old 11-06-2015, 06:53 PM   #10
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I am 62 and disabled, I also have the Humana Advantage PPO and before we took off on our westward tour in the summer I checked with them to know what to do should something happen. They told me to call and they would direct me to providers that were in their system and it would be covered. Any emergency would be treated the same as any emergency at home. That is what they said, now if it is true is another question I prefer not to test.
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