Viki Posted March 24, 2020 Report Share Posted March 24, 2020 Was wondering what full timers do for secondary insurance to Medicare. If you don’t live in or close to South Dakota or Texas but have your physical address with escapees, how do you manage regular doctor visits. Quote Link to comment Share on other sites More sharing options...
Second Chance Posted March 24, 2020 Report Share Posted March 24, 2020 If you use the search function on the forums, there are quite a few threads on this topic. That said, we are domiciled in Texas but our providers are all in the Augusta, GA, area (GA and SC) from whence we launched. We route back through the area once a year for our regular appointments and will sometimes get a 6-month dental cleaning and checkup wherever we happen to be. Our situation is simpler than many with Medicare and Tricare For Life as the secondary (retired military). You'll get almost as many answers to this question, though, as there are members on the forum - everyone's situation is different. Rob Quote 2012 F350 CC LB DRW 6.7 2020 Solitude 310GK-R, MORryde IS, disc brakes, solar, DP windows Full-time since 8/2015 Link to comment Share on other sites More sharing options...
Kirk W Posted March 24, 2020 Report Share Posted March 24, 2020 Welcome to the Escapee forums, Viki! While there have been some discussions of where you should use for an insurance address, I believe that most fulltime RV folks do as we did and signed up for our Medigap policy using the same address as ou domicile and our mail service. It has been a while but we were fulltime before we were eligible for Social Security and Medicare. Upon reaching age 62, we each signed up for SS, and we used the mail service address which was also how we had been filing our income tax for 5 years at the time. Upon reaching 65 each of us signed up for Medicare and again used the same address, which is what we used for everything. I believe that our Medigap assumes the address used for Medicare. A member of the forums, Mike.gibble is an insurance agent so perhaps he can join in and help. Quote Good travelin !...............KirkFull-time 11+ years...... Now seasonal travelers.Kirk & Pam's Great RV Adventure Link to comment Share on other sites More sharing options...
Twotoes Posted March 24, 2020 Report Share Posted March 24, 2020 I am a full timer with the Escapees South Dakota address who is on MediCare. I purchased my supplement using the SD address. DO NOT PURCHASE A MEDICARE ADVANTAGE PLAN IT IS A HMO. The supplement plans available last year in SD were United Health Care thru AARP, or a supplement plan thru Mutual of Omaha. I went with Mutual of Omaha’s G plan. I also purchased my part D prescription plan thru Silver Scrip/CVS. When I need a Dr I just go on Medicare’s website, click in the location I am in and find Dr in the area who accepts MediCare. I use Walgreens or CVS for my Rx. Quote 2015 Itasca Ellipse 42QD 2017 Jeep Wrangler Unlimited Rubicon Hard Rock Edition 2021 Harley Street Glide Special Fulltimer Link to comment Share on other sites More sharing options...
D&J Posted March 24, 2020 Report Share Posted March 24, 2020 All supplement plan except a Advantage plan are required to have national coverage, all the plans weather they G, F or any of the lettered plans have the same coverage with the only difference being the price. I just went to a independent agent to find a plan. Just use your domicile for a address. Denny Quote Denny & Jami SKP#90175 Most Timing with Mac our Scottie, RIP Jasper our Westie 2013 F350 SC DRW 6.2 V8 4.30 Gears 2003 HH Premier 35FKTG Home Base Nebraska Link to comment Share on other sites More sharing options...
2gypsies Posted March 24, 2020 Report Share Posted March 24, 2020 Go to the official Medicare site and you can easily find the supplement for you. Good comparison of plans. You don't need an agent. I agree, get a Medicare Supplement; not an Advantage Plan. In 16 years of full-timing we never had a problem finding a doctor in any state we needed one. https://www.medicare.gov/plan-compare/#/?lang=en Quote Full-timed for 16 YearsTraveled 8 yr in a 2004 Newmar Dutch Star 40' Motorhome and 8 yr in a 33' Travel Supreme 5th Wheel Link to comment Share on other sites More sharing options...
whj469 Posted March 24, 2020 Report Share Posted March 24, 2020 An Advantage plan can be at no cost where as they, AARP/United Health Care, want $600 per month for both of us for a supplemental policy. My Advantage Plan is the best health care that I have ever had! They only pay for emergency care if out of area, four counties in SE Texas. So should I pay $7,200 per year for a supplemental policy in case I need to see a doctor while I am on the road? In many places I can see a doctor for less the $100. Quote Link to comment Share on other sites More sharing options...
Kirk W Posted March 25, 2020 Report Share Posted March 25, 2020 Viki, have we answered the questions that you have, or at least helped a bit? Quote Good travelin !...............KirkFull-time 11+ years...... Now seasonal travelers.Kirk & Pam's Great RV Adventure Link to comment Share on other sites More sharing options...
Twotoes Posted March 26, 2020 Report Share Posted March 26, 2020 On 3/24/2020 at 6:27 PM, whj469 said: An Advantage plan can be at no cost where as they, AARP/United Health Care, want $600 per month for both of us for a supplemental policy. My Advantage Plan is the best health care that I have ever had! They only pay for emergency care if out of area, four counties in SE Texas. So should I pay $7,200 per year for a supplemental policy in case I need to see a doctor while I am on the road? In many places I can see a doctor for less the $100. My supplemental plan using the Escapees SD address thru Mutual of Omaha is only $225 per month and is good for everything everywhere and not just for emergencies. It covers everything Medicare does not. I only have to pay my Medicare annual deductible of $195 . Quote 2015 Itasca Ellipse 42QD 2017 Jeep Wrangler Unlimited Rubicon Hard Rock Edition 2021 Harley Street Glide Special Fulltimer Link to comment Share on other sites More sharing options...
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