Jump to content

DanZemke

Validated Members
  • Content Count

    62
  • Joined

  • Last visited

About DanZemke

  • Rank
    Full Member
  • Birthday 01/11/1949

Optional Fields

  • SKP#
    43228
  • Lifetime Member
    Yes

Profile Information

  • Gender
    Male
  • Location
    Connecticut
  • Interests
    RVing, photography, snow skiing, fly fishing and computers.

Contact Methods

  • Yahoo
    zemke@yahoo.com

Recent Profile Visitors

940 profile views
  1. Dan, pics posted.  Sorry for the delay.  I went from 104f in Alabama to monsoons in Victoria.

    More info if you want it.

    Roger

  2. i've chosen not to buy a TOGO and the associated AT&T data plan. In my case, I already have superior cellular and wifi hardware. And my current data plans are large enough to meet my needs. 25 GB/month on a Verizon plan through FMCA, and unlimited through an AT&T Mobley plan. But for many full-timers, the AT&T $360 per year (unlimited plan) seems VERY attractive. The TOGO seems to be easy to install, and good enough for most folks.
  3. RV_ Good info. I prefer a full keyboard for typing more than a few chars. And have been underwhelmed, by the apps I've tried, for transferring photos to my Window's big storage drives. After I migrate from my old Moto G4+ to the Pixel 3a I just purchased, I'll give the Your Phone app a good try. Thank you!
  4. docj, "Maybe everyone already knows this". I didn't. Thanks for the useful tip. 🙂 update: for me, I preferred just setting the color to red. I tried bolder settings and didn't like them. The problem I seemed to be having increasingly, was being able to locate the cursor, even when moving it around. The red fixed that for me. Again, thank you.
  5. I am seriously interested in what your solution was. I purchased several lever controlled, stainless steel pins and have evaluated various locking pins. You are the only one I've found that has used something other than bolts to secure their ramps. Please tell me, and others, what worked best for you, and why. Thanks, Dan
  6. Sounds like a wise choice. Although the bamboo-based straight ones have their charms, the newer plastic circular ones are probably more appropriate for space constrained RVers. 🙂 BTW, "Android Pay" was rebranded as Google Pay (aka G Pay) in early 2018. Unfortunately, I have an old Moto G4 Plus that does not support NFC. But largely because of your posts, my next phone will. Thanks, Dan
  7. Alloy, Appreciate the info, especially about the EMS. I have a Progressive too, so you probably saved me significant time and frustration. Thank you! Dan
  8. Glenn, I like it too. I bought one this morning at the best price I could find. https://www.ebay.com/itm/Blue-Sea-Systems-9019-65A-240V-AC-3-Pole-Rotary-Switch-New/174053754398?epid=1037666844&hash=item288669861e:g:5Z0AAOSwbqddl9T0
  9. Not in my opinion. But I purchased stuff from them over a decade ago. On the positive side, they provided some interesting information about weight distribution and RV quality ratings. But in retrospect, I didn't actually use any of their information in selecting the RV I bought. Suggest you ask folks on this forum first, and then decide if there are big holes in the information that you wanted were not filled.
  10. IMO, new blood, even with guaranteed issue, trumps a static pool of old folks. No one actually knows how the market will develop. But I plan to change my plan from a Plan F to a Plan G for 2020. In my case, a Plan G HD, seems best for me.
  11. Linda and Kirk, I did a bit more research and I think a Mea Culpa is due. You have it. The description of who will be able to buy a 2020 Plan F is ambiguous for current Medicare, on many websites. But I found some that say anyone currently on Medicare in 2019 will be able to choose a Plan F for 2020. So, from several sources saying you can, versus several ambiguous sources - the "you can sites" seem more probable. It appears that I was wrong. I apologize. However, it's not clear to me why anyone would want to sign up for a Plan F (or Plan F HD) in 2020. Plan G (or Plan G HD) seems to me to be a better option. I am currently on a Plan F and am hoping to change to a Plan G in 2020. Why? Because future younger folks won't be able to sign up for a Plan F. Over time, the risk pool for plan F subscribers will be older. Older folks, in aggregate, have higher medical expenses. I'd rather be in an insurance pool that accepts younger folks. That's why I would like to switch to a Plan G. In my case, a Plan G HD seems best.
  12. Linda, I'm truly not trying to debate with you. But I have a different impression than you seem to have. My impression is that for most folks, the only people who will be eligible for a Plan F plan in 2020 are those who already have a Plan F. "Starting January 1, 2020, Medigap plans sold to new people with Medicare won’t be allowed to cover the Part B deductible. Because of this, Plans C and F will no longer be available to people new to Medicare starting on January 1, 2020. If you already have either of these 2 plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you’ll be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans." https://www.medicare.gov/supplements-other-insurance/how-to-compare-medigap-policies
  13. docj, "Like anything having to do with insurance, it's all a matter of how you prefer to handle risk." Good point. You're right.
  14. "I don't know about any rules for going from an advantage plan to a supplement." Linda, There are no Federal rules about moving from an Advantage Plan to a Supplement. The process and rules are very similar to switching to a new RV insurance company. You shop, they offer you a price if they want to, or tell you they are not interested in insuring you.. The broker, or agent (eHealth is a broker) wants to sell you a Supplement because they, and their agents, get a commission. Typically, about 20% of your policy price for several years and then about half that for the remaining years you stay on their policy. They are intermediaries between you and the company that is actually providing the insurance (e.g. United Health Care, Aetna ...). These underwriters set their acceptance rules. If, in their sole opinion, you're not likely to be profitable, they will reject your application. If you are fortunate enough to not have any chronic health problems, you should at least consider a High Deductible Plan (F+ or G+). Why? Because if your actual medical expenses are less than the HD-Plan's deductible, you're likely to save money by going with the HD version. In my particular case, I've saved more than $6K with a high deductible plan F, over a standard Plan F, since, I became eligible for Medicare in 2014. And a critical point - my catastrophic insurance benefits were identical to a non-HD Plan F during that time. Consider widening your shopping net beyond eHealth. I have no experience with them and am not trying to disparage them. But there may be providers that would be good for you and not profitable for them. For example, the lowest cost Plan F HD plan offered by my (prior employer subsidizsed website) was 80% higher than what I was able to find in the open market. The provider I chose has an AM Best rating of A+. I paid an annual fee of $590 for my Plan F-HD in 2018 and 2019.
×
×
  • Create New...