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Medicare plan D and mail forwarding question


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#1 PAL

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Posted 17 April 2012 - 04:18 PM

Id like to tap into the experience of full-timer Medigap and or plan D users who use a mail forwarding address.

We have been full-timers for 7+ years now and finally approaching our 65th b-day and looking forward to a much more comprehensive and affordable Medicare health insurance plan.
I am receiving Social Securety already and therefore also already signed up with Medicare.

I currently have my domicile and legal residence in AZ and like to keep it that way. We are using SKPs mail forwarding service from Livingston TX and that causes SS and Medicare to consider me a resident in TX.

I am planning to choose Medicare supplement F (Medigap) and Medicare plan D for drug coverage.
My current insurance broker in AZ (not licensed in TX) tells me that supplement F obtained in AZ with a Medicare address in TX is not a problem.
My insurance broker also tells me that for drug plan D there will be a problem with the fact that SS and Medicare "reside" me in TX at my mailing address, while my legal domicile is in AZ.

Can anyone advise me from personal experience if this is problem and how I should deal with this situation?

Thanks, Peter

#2 Trainer

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Posted 17 April 2012 - 05:10 PM

Peter,

Call my broker, licensed in both Texas and Arizona.

Coleen M. Elkins
Professional Benefits Specialist

Peace Of Mind For Your Health Since 1995
Medicare, and Health Insurance For Individuals Under 65,
Arizona 480-684-4846 or toll free 1-888-337-1705
Texas 817-236-3800 or toll free 1-888-337-1705
fax 1-888-241-5192

Trainer

#3 Scottiemom

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Posted 17 April 2012 - 05:28 PM

We full time. DH has Medicare parts A, B, D, and F. We use SD as our domicile and have a mail forwarding service there. No problems at all.

My parents winter in Texas. Mom's part D plan is Texas based because they are Texas residents. When they went to Indiana for the summer, she changed the address on her part D at the pharmacy since they were in the area. Her Part D plan carrier canceled her prescription coverage because she "moved" to Indiana and her specific plan did not cover Indiana. We had to appeal this so they understood she was just visiting Indiana. When they return to Indiana in the summer now to visit, she doesn't change her address, just fills out the post office mail forwarding for 3 months.

I would be surprised if in your circumstance this will be trouble free. These entities expect your address to be where you live. A plan address and a different mailing address might pose a problem. I fully understand, but I can tell you, there are few out there who do, particularly insurance companies and government agencies.

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#4 Newt

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Posted 17 April 2012 - 06:45 PM

I use Plan D with Medco. When travelling, I just change the address to where ever we are. Of course you have to be there long enough for a delivery. Other than that, no problems.

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#5 Sami's Slave

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Posted 17 April 2012 - 07:39 PM

Id like to tap into the experience of full-timer Medigap and or plan D users who use a mail forwarding address.

We have been full-timers for 7+ years now and finally approaching our 65th b-day and looking forward to a much more comprehensive and affordable Medicare health insurance plan.
I am receiving Social Securety already and therefore also already signed up with Medicare.

I currently have my domicile and legal residence in AZ and like to keep it that way. We are using SKPs mail forwarding service from Livingston TX and that causes SS and Medicare to consider me a resident in TX.

I am planning to choose Medicare supplement F (Medigap) and Medicare plan D for drug coverage.
My current insurance broker in AZ (not licensed in TX) tells me that supplement F obtained in AZ with a Medicare address in TX is not a problem.
My insurance broker also tells me that for drug plan D there will be a problem with the fact that SS and Medicare "reside" me in TX at my mailing address, while my legal domicile is in AZ.

Can anyone advise me from personal experience if this is problem and how I should deal with this situation?

Thanks, Peter


Call my agent who is licensed in Texas and is a specialist in Medicare including Prescription Drug Plans and has a large number Escapee Clients. 1(866) 558-3577 ask for Gerald

#6 Earl

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Posted 17 April 2012 - 10:40 PM

Your Medigap coverage will be no problem. Those are national programs and they don't care where you reside. You agent is absolutely right and your drug program will probably be a problem. That is based on your home address and is not a national program. Your address will probably have to coniside with your residency. At least that was true in my case. I got dropped by Humana because I had a SD address and a OR residency. I ended up changing my mail service back to OR just for that. The DMV was also questioning the two different addresses.

Soon after going fulltime I discovered that it really simplifies things if your residency and mailing address are the same. We snowbirded for years and never had a problem with temporary change of addresses in the winter but once we made a permanent change of address we got into all sorts of issues with differing addresses. My advice: get a mail forwarding address in your state of residence.

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#7 Newt

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Posted 17 April 2012 - 11:03 PM

Your Medigap coverage will be no problem. Those are national programs and they don't care where you reside. You agent is absolutely right and your drug program will probably be a problem. That is based on your home address and is not a national program. Your address will probably have to coniside with your residency. At least that was true in my case. I got dropped by Humana because I had a SD address and a OR residency. I ended up changing my mail service back to OR just for that. The DMV was also questioning the two different addresses.

Soon after going fulltime I discovered that it really simplifies things if your residency and mailing address are the same. We snowbirded for years and never had a problem with temporary change of addresses in the winter but once we made a permanent change of address we got into all sorts of issues with differing addresses. My advice: get a mail forwarding address in your state of residence.


You have Humana. There is a big difference between regular Medicare and Humana.

Newt
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#8 Earl

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Posted 21 April 2012 - 11:00 PM

You have Humana. There is a big difference between regular Medicare and Humana.

Newt


Just to clarify even though this thread is now a week old. I only had Humana for my Plan D drug coverage. I did not and don't have any kind of group coverage. They also said I had to be in OR for at least six months of the year to qualify for their plan D. I found another plan that didn't care where I was as long as my residence and permanent address was in the same state.

2007 Arctic Fox 32.5rds for full-timing, now sold.

2011 23rks Keystone Hideout for the local campgrounds now that we are off the road
2007 Silverado 2500 diesel

Loving Green Valley, AZ (just South of Tucson)