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About Blues

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  1. Are you sure? My Norcold 1200 has two heaters of 225 watts each, and the Amish cooling unit replacement for it also has two 225-watt heaters. The thing about absorption (propane/electric) refrigerators on electric is that they are energy hogs. My Norcold uses about 8 kwh of electricity a day, while a much larger electric residential refrigerator uses about 1.5 kwh/day.
  2. I actually don't care who caused it. But I do care about facts and truth, and it appears that the "fact" that Good Sam was behind it is based on an article that doesn't actually say that. People love to say Good Sam was behind it, but I have to find anyone who says it who actually has any proof of that whatsoever.
  3. Don't you think you should? They didn't just pull "specified disease/sickness plan" out of thin air, as a catchy title for it. It means something. The materials available to the public don't explain it, so I would think the agents could. But apparently not. Here we go again. You first said it was a "major medical plan." But when I took the initiative to try to look into the details and quoted the language from the plan's website that said it was not a "traditional major medical plan," you said I was correct, that it was a "major medical type" plan. But now you're back to saying it's a major medical plan. Even though the plan's own website says it's not. A website, I might add, that is woefully (and I'd assert purposely) lacking in details but does at least make this clear. Well, clear, if you include the fine print in the footnotes. I think most people agree that ACA plans are better than non-ACA plans. They may be more expensive, but we're not talking about cost here; we're talking about coverage--what the plans actually are. And if a major medical plan (which ACA plans are) were not better than what you have, you wouldn't keep trying to make people believe that what you sell is a major medical plan. And here's the thing. What you sell might very well be a suitable option for someone. But people get into loads of trouble because they don't understand what they're buying, and it doesn't help when they can get details only from someone who has a financial interest in selling it to them. Offering to answer all questions sounds great, but it also provides an out by someone who finds out what they bought isn't what they thought they were buying: "I answered all of your questions." You came into this discussion offering what you said was a major medical plan with nationwide coverage, and offering to provide details. If I hadn't pressed, repeatedly pressed, that would have been the end of it for you, as you sit back and take calls from people to whom you can sell insurance. I'm sure it's better for you than paying for leads. But it's not better for the users of this forum.
  4. It's hard for me to tell--are you saying that Good Sam was behind Pilot/Flying J cancelling their discounts to TSD? If so, can you point to where either of these articles actually says this? The closest I could find was that the press release "went far and wide, eventually ending up in the offices of the Good Sam Club." How do they know this? And the next thing they say is that TSD "got a call from Pilot’s management." But they don't say that Pilot implicated Good Sam. The article is written in a way to lead people infer that Good Sam caused the cancellation of the discount. But that's far from presenting evidence and facts that support the conclusion that Good Sam was behind it.
  5. So the only way for us to get information on this plan is to talk to you, and you don't actually know what it is. And in fact called it a "major medical plan" until challenged. Wow.
  6. I see this stated a lot, but without any substantiation. Or, well, maybe statements that he's the type to do this, or why else would P/FJ drop TSD. But no proof that Good Sam forced P/FJ to drop TSD. Do you have some?
  7. I think that's the point--make people have to talk to a salesman to get information. And my problem with saying that all questions will be answered is that the customer has to know there's a question to be asked. Like what is the significance of the plan being called a "Specified Disease/Sickness Plan"? I asked upthread what this means, and didn't get an answer. Major medical plans as we know them aren't called "specified disease/sickness plans," so what's the difference? It's common wisdom that when buying an extended warranty on an RV, it's better to buy one that covers the RV but with certain stated exclusions than one that limits its coverage to specific items listed. And I notice that you didn't call it a "specified disease/sickness plan" in your first post. You called it a "major medical plan," which we now know it isn't, but only because I pressed. Even if there are variations from state to state, there apparently is a basic framework for the plan, and there's no reason why the basics couldn't be explained on a website or in a post. And there's definitely no reason to call it a "major medical plan" when it is not, if the only reason for lack of transparency is that plans differ from state to state. It would also probably be best not to post in a public forum, "I am willing to share all the details if you are interested," if those details are available only to people from one of five states who have to call you to get the details. That's not sharing with others--that's selling to individuals.
  8. You don't need to review everything, because indemnity plans are a dime a dozen, and usually that's about what they're worth. What you said was that you knew of a major medical plan with a nationwide PPO, and would share the details if anyone was interested. So I posted expressing interest, because a major medical plan with a nationwide PPO is the holy grail for fulltimer RVers. And it's taken how many requests for you to explain the plan at all? It took multiple requests just to get the name of the insurance company, and I had to figure out myself which plan it was you were selling, which I did by finding the company's website and then examining each plan myself and finding the one that had a deductible. And it's not, in fact, a major medical plan as most people understand it. Then I asked you some specifics about that plan, and still don't have an answer. Instead, you gave information about a bunch of other products that you sell, including indemnity plans, which are often mistaken by people to be actual insurance. And I asked in particular about why these plans are called "specified disease" plans, and you not only haven't answered, you haven't used that term in any of your descriptions, even though that's what each of these plans is called on the insurance company's website. This is frustrating. I've spent hours trying to figure out what exactly it is you're selling, which shouldn't be the case when you offered to share "all the details" in your first post. Then again, you've perfected getting your contact information inserted into your signature line, so there is that. The problem for the health insurance consumer is that there's no way for him to find out he doesn't have what he thought he had until it's too late. Sure, sure, caveat emptor, etc. etc. It'll be our fault for not reading the policy, or for not understanding the policy. It's bad enough on the ACA exchanges, where sometimes you can get plan documents and sometimes you can't. But at least with ACA plans, there's a basic framework for the products offered, and there are known requirements and expectations, so you're not flying completely blind even if you can't read the actual policy before signing up. But that's not the case with the plans you're selling. Every single thing in there is because someone at the insurance company wants it there, and consumers would be extremely foolish to assume anything about what's in them or how they work. In fact, consumers need to put aside everything they think they know about how health insurance works when dealing with plans like this; I think that's how a lot of people get confused when these plans are pitched. Given this landscape, it's disappointing to feel like I'm pulling teeth to get any information about the plans at all, especially when I'm asking only because I've tried to find the answer myself, on the US Health Group website as well as websites of other agents selling the products, and have been unsuccessful. This lack of transparency, especially coupled with offers of one-on-one consultations in lieu of specifics, doesn't inspire a great deal of confidence.
  9. Okay, major medical type coverage, not major medical, as most of us understand it. Which plan are you selling? The only one I can see that has a deductible is the SecureAdvantage, and for that one, you get a specified disease/sickness plan, and apparently have to get an additional plan to cover "doctor office visits, x-ray, laboratory and prescription drug coverage," and yet a third indemnity plan to get "wellness and health screening services." Is that the one? If so, what is the significance of its being called a "Specified Disease/Sickness Plan"? Are only specified diseases covered? If so, what are they? I can't find a list anywhere on the website, or even a description of what it might mean with respect to the type of coverage is offered.
  10. I hope he's dead wrong on the rally atmosphere.
  11. I went to the website for US Health Group. On the first page, it says, "Apply anytime of the year." My understanding is that major medical plans (what most of us consider to be "health insurance") are available only during open enrollment or if a person qualifies for a special enrollment period. Enrollment any time of the year is usually a hint that a plan is not major medical, and is probably short-term insurance or an indemnity plan or somesuch. So I dug some more, trying to find a major medical plan. I couldn't. There are three that look like health insurance: "PremierChoice," "SecureAdvantage," and "HealthAccess." But all of them are called "Specified Disease/Sickness Plans" (without any indication of which diseases will be covered), and state that they are not "traditional major medical plans" (in footnote 2 of each plan's description). Where can we get information on the major medical plan with a nationwide PPO network that US Health Group offers?
  12. What is the insurance company that's offering these plans?
  13. Not the ACA, so not pertinent here, not to mention the fact that the vast majority of traveling fulltimers are on Medicare, presumably with supplements, and they don't report any problems. Regardless, apparently these people you mentioned were living somewhere where they could get a supplement based on where they're actually residing. That's not the case for a traveling fulltimer who changes location too often to meet the requirements to get a plan in those various locations. This has nothing to do with what a traveling fulltimer who has a plan with a nationwide network faces. In fact, it's the opposite. These people live in Arizona but chose to have a plan that would cover them only in California. Turns out they needed more care than they anticipated, which is annoying and costly for them, but Kaiser is still covering them. That has nothing in common with traveling fulltimers who pick a plan with a nationwide network. In fact, it shows that even in an obvious case like the one you present, where the people actually live fulltime in one place where they could/should get health insurance and choose to use a bogus address to get a policy elsewhere, the insurance company won't have any issue at all providing extensive care. That's great news for traveling fulltimers. It's nice to be able to fall back on the fact that basing their insurance on their domicile is the only practical option, but apparently that's not even necessary, based on the example you gave.
  14. Actually, Zulu says that it's not your permanent residence/domicile that counts, but where you're physically located. This has been discussed at great length in previous threads, and Zulu's conclusion is that fulltimers can't base their ACA insurance on their domicile, but hasn't offered a solution for people who travel fulltime and can't meet the requirements to get a different plan each time they change location, never mind the burden of resetting deductibles and out-of-pocket limits each time a person gets a new policy.
  15. So what is the major medical plan with a nationwide network that you're referring to? All the details would be really nice to have. Even using the Exchange, it can be hard to figure out a given plan's network, never mind subtleties, so it's invaluable when people post, for example, that Florida Blue has worked for them nationwide for routine care with no hassles.
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