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About GoodOlDan

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  1. So many great experiences and opinions here... thanks to everyone! It's been about a year now since I opened this thread, and while I still haven't "hit the road" (due primarily to some health problems that are better handled close to home before heading out), I am still convinced that fulltime RVing would be a good thing for me and I'm getting things lined up to do that. Almost two months ago, I suddenly lost my 36 year-old son (and father to my grandkids) to an as-yet undetermined health problem (the coroner is still working on this). It again points out the shortness and unpredictability of life, and the importance of just getting out there and living life. The comments about volunteering and/or workamping at the national and state parks have got my attention... think I'll check that out! Thanks again! Dan
  2. Hi all... I currently have a high-deductible Plan F medigap policy. As with all Plan F policies, travel outside the US is covered with an annual $250 deductible, and 80% of eligible expenses are paid up to a lifetime maximum of $50,000. Coverage is provided for the first 60 days of a trip outside the US. I've been searching for more information on that last item.. the 60-day limitation of coverage. I haven't been able to find out much at all so far. I'm looking to find out... 1.) When does the 60-day clock start? Presumably at the point you leave the US? How is that documented (a receipt for some expenditure in the US just before you leave the country?) 2.) When does the 60-day clock stop (and reset)? Say I travel in Canada for 59 days, and then drive back across the border for the day to do some shopping or visit a doctor in the US and return to Canada that evening. Does this reset the 60-day clock? I'm thinking the best documentation here might be a record of the US doctor visit (which would be processed as any other claim in the US under medicare/medigap). Anyone have some info or experience with this? Thanks! Dan
  3. Thanks all for the responses so far. WIN sounds interesting, and adds a nice element of community and safety. I suppose my thoughts were more along the lines of (what I assume to be) generally couples traveling as full-timers, an how well a single traveler fits in. My experience is that in the "stick and bricks" world, some of the "meet-up" groups (especially focused on widows/widowers work pretty well without the pressure to pair off and date. Otherwise, even getting involved in church and other groups, it's amazing how "invisible" I've become at times. All in all, I still like the prospect of full-timing... and maybe the WIN caravans are one thing I'm looking for. Dan
  4. My wife and I had talked about becoming full-timers when we retired... but the good Lord apparently had a better program planned for her when he took her home last April (on her 62nd birthday) after a two-year fight with brain cancer. I'm 62 as well, but I'm on SSDI and have Medicare, and have the resources to make the full-time thing work. I especially like that I could maintain my current FL domicile (by "moving into a mailbox") and spend as much time with my adult kids and the grandkids out in Reno as I like, and then wander the rest of the time. I'm mostly wondering how folks in a situation like mine (a widower) find the single full-timing life to be working out for them. Not really talking in terms of meeting someone new on the road (although I suppose I'm open to that)... but what is day-to-day life like? So often in the "sticks and bricks" world I find that a widower is a "fifth wheel".. and not the kind many of you think is a good thing. Dan
  5. That's my plan exactly... as soon as I reach age 65 I'll use that open enrollment to enter a new Plan F Supplement (at a much lower price) that I can move to anywhere in the country should I choose to park the RV and do so. Until then, by maintaining my Florida domicile, I can continue to buy my current Hi-Deductible Plan F that is offered here for pre-age 65 Medicare enrollees. I think that should work out pretty well for me.
  6. The thing is.. for Medicare Supplements offered to folks under age 65 (i.e., those who are on Medicare due to disability) not all plans are available everywhere. The plan I can buy in Florida is not even offered in Nevada, or may be be much more expensive somewhere else. Hence my idea to hold onto the relatively inexpensive supplement in Florida (where I want to domicile anyway) until I turn 65, when I can get the plan anywhere if I want.
  7. I currently reside (leased "sticks and bricks") in the Naples, Florida area... so I am already a "Florida resident" and have my domicile here. I am considering going fulltime RV about July of next year, and see no reason that I wouldn't want to continue maintaining Florida as my domicile. But, as always, the devil is in the details... 1.) As I begin full-timing, I will necessariy no longer maintain a "sticks and bricks" residence here. My thought is to contact a mail-forwarding firm such as St. Brendan's Isle here in Florida and "move" from my existing Naples address to their physical address (in a different Florida county) as my Florida domicile and for forwarding services. Vehicle registration, insurance, etc would also be relocated to the forwarder's address. It's a process, but not a terribly complicated one. 2.) By reason of a disability, I am eligible for Medicare before age 65 and currently am on original Medicare and purchase a Humana "High Deductible Plan F" supplement policy that works very well for me. Such policies (for pre-65 Medicare users) are not available in all locations (especially out of Florida), and certainly not at the reasonable prices offered here. I have already verified that the same Humana High-Deductible Plan F supplement is available to me at the St Brendan's Isle physical location (at an even lower price than I currently pay), so once again I should simply be able to "move" from Naples to the St. Brenda's Isle physical address and notify the insurance company of my "move". MY CONCERN IS THIS: How many of you Medicare users (older or younger than 65) with supplement plans have done a similar thing. Has anyone been questioned by their insurance carrier about all virtually all claims coming from out of state, etc? My understanding is that it makes no difference at all... so long as your "residence"/domicile is in a location where the policy is sold and you pay the bill, it's all good, right?.. one of the wonderful things about Medicare!. This is a key point for me. Would appreciate hearing your thoughts on this, especially anyone involved in the Medicare supplement business... Thanks! GoodolDan
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