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04-25-2022, 04:56 AM #31
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- Mar 2019
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- Tampa Florida
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We recently faced the same issue with one of us not being 65 and eligible for Medicare coverage. We chose to go with the plan offered by the Family Motorcoach Association FMCA (Travel Trailers and 5th Wheels are now eligible to join).
The plan was offered by Philadelphia Life and it worked out very well for us. A couple of suggestions if you choose this plan (note: this is based on our experience and the plan(s) might be different now and also be different because you are in TX): the plan is different than other insurance plans. By this I mean that it is more of a self-administered plan, so, you will need to take an active role in managing your health care. For example: the plan has a limit on how much lab work is covered on a daily basis., consequently, you don't want to let your doctor simply draw blood and submit it to his lab of choice and wait for the bill to arrive, you can get some nasty surprises that way. Instead, there are private lab companies that you can order your labs from and have your blood drawn locally that have a preset price for the lab work you are ordering, you pay that lab by credit card and submit a claim to the ins company for reimbursement. Consequently, the labs your doctor would have sent in, cost only $69 instead of $500. It's not difficult to deal with, just something to be managed.
Additionally, depending on which state you live in, there is a ryder that essentially doubles the coverage, I highly recommend adding this coverage if it is available in your state.
We had this coverage for 3 years and we saved a ton of money based on the insurance we had previously from the employer.
If you would like to talk to the low pressure lady we purchased from, send me a pm and I can get that info out to you.
Additionally, it sounds like you are moving your domicile to Texas to start your full time RVing adventures. Because of the insurance issue, you might want to delay moving your domicile, or consider moving it to a different state than Texas until you are both 65.
Bottom line; we were very pleased with the FMCA/Philadelphia Life insurance for the years we had it.David and Peggy
2019 Ford F350 Lariat, 6.7L Diesel, Dually, Long Bed
Running with 20k Reese Goosebox (Love It) and Ford Factory "Puck" system.
Stopping with 8,000 lb Disc Brakes and Titan Hydraulic over Electric Brakes system.
Powering all this fun with 1200 Watts of Solar, two Tesla, Model S, battery modules, 24 volt Victron Inverter.
2018 Solitude 310 GK
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04-25-2022, 04:36 PM #32
- Join Date
- May 2017
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- Texas Fulltimers
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Navigating the health care thing is a mess especially for fulltimers. Also the whole domicile thing with fulltiming. We looked at the same kind of policies you have but through the Escapee's group. We looked into them and decided against them.
We were always Texas residence, at least for the last 20 years, when we sold our Texas home we just had to change our address to Livingston Texas for our USPS mail service through Escapee's.
Using the health care market place and our zip, the Wife was able to get a good new health policy this year for zero copay and good coverage, Blue Cross BS of Texas. The Wife will go on Medicare next year.
I've got a Medicare Advantage Plan endorsed by AARP through United Health Care. Its new for our area Texas this year and is excellent coverage, we both can still keep our Doctors out of Austin in network that we have had for the last 20 years. Mine is primarily a Medicare Advantage HMO but does have good emergency medical care if I need it outside of network. We always return to the Texas area for winter every year Jan-April to get our yearly exams and blood work done, our eye exams and the Wife 's Allergy Dr visit. Its also convenient to get the RV safety inspected and license renewed in Feb
Both of our plans have excellent RX coverage and we have refilled our medication prescriptions all over the country using either CVS or WalGreens, we like Wal Greens the best, we could use WalMart but haven't. Mine cost $6 for a 90 days supply. The Wife's policy just picked up the cost of her Inhaler. Of course it all could change next year.
For our truck, the license plates are due in June and we are not usually in Texas at that time so we renew on-line and self certify we are out of the state so it doesn't need inspected. We get the renewal sticker in the USPS mail forwarded by Escapee's mail service. Once we hit Texas again we have a few days to get the truck safety inspected.Last edited by Steven@147; 04-25-2022 at 04:56 PM.
Steve & Tami Cass - Escapee's, FMCA Members, Texas Fulltimers Since July 2020
2019 Solitude 3350RL S-Class, 2018 Ram 3500 DRW, Laramie Longhorn, B&W Companion, Texas Class A Non-CDL Drivers License
Sharing the Fulltime Lifestyle - www.youtube.com/@tsrvadventures3219/videos, Nonprofit Channel
New Grand Designer Owner to be
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