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Blues

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About Blues

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  1. Blues

    Splendide 2100 compared to 2100XC

    Last summer I got a barely used 2100 to replace my 15-year-old Splendide 2000, which I loved, but became unrepairable. Since you don't use the dryer much, it may not matter, but one thing I hate about the 2100 it is that on the "highest" dry cycle (the one that produces the most heat), about 10 minutes or so into the cycle, the machine goes into a high-speed spin cycle. It's the dumbest thing I can imagine on a machine that has a reputation for wrinkling clothes--why interrupt a dry cycle to spin them hard against the sides of the drum instead of letting them fluff as much as they can? The result is that I have to either monitor it and stop it every time I hear it start spinning and reset it to start the dry cycle over, and do the same thing the next time it starts that ridiculous spin cycle, or use the next cycle down, and have it take longer for things to dry. Actually, I'd be interested in knowing if the newer machines do the same thing, or if Splendide realized how much it screwed up on that. This is also the model that wouldn't let you open the door during or even after the dry cycle--the clothes had to sit there wrinkling in the bottom of the drum for some number of minutes. I defeated that, but that means the door can be opened at any time during any cycle, which is NOT a good idea. And there are other things I find annoying about it, but these two changes make me wonder if Splendide just totally dropped the ball on the 2100.
  2. Blues

    FMCA PPO plan

    Here's what the website looks like after it was changed, with a new yellow box that wasn't there before.
  3. Blues

    FMCA PPO plan

    Here's what the website looked like before it was changed.
  4. Blues

    FMCA PPO plan

    The honest thing to do would be to say, "You know what? Y'all have a point and I'll add language explaining that the plans on that site aren't major medical insurance." You could even have added something about how you try to be on the up-and-up with people and not mislead them, and that feedback like ours helps you do your job better. Instead, you chose to change the website and then say, "Come on Blues, check the pages again please." How do I know this? Because I have a screenshot of the site as it looked when you originally posted the link (apparently decades of dealing with salesmen has taught me something), and that notice was not there. I'm assuming you did it this way to make me look like I don't know what I'm talking about. I'm disappointed, but I can't say I'm surprised. Regardless, I'll leave it to others to judge our respective credibility and trustworthiness. I'll attach the screenshots in separate posts, due to size limitations.
  5. Blues

    FMCA PPO plan

    right here under the quoting banner: http://www.rverinsurance.com/fixed-benefit-medical-for-rvers/ I was referring to this link that you posted: There's a lot of information about how your plan is better than FMCA's, but I still don't see anything that says that no plan on that page is major medical insurance, and I do think that would be one of "all of the details" of the plans.
  6. Blues

    FMCA PPO plan

    I don't see anywhere on the page you linked to that it says the plans described/compared are not ACA coverage. Fixed benefit, yes, although I'll suggest that probably a lot of people don't know what that means, and might actually be attracted to it because they think since it's "fixed," they're not going to get stuck with scary things they've vaguely heard about like balance billing. Or they think a fixed benefit is better than a coinsurance amount expressed in a percentage because of the certainty. There's awareness developing that an "indemnity" plan isn't health insurance as most people understand it; I hope "fixed benefit" develops a similar reputation, so people will understand from the get-go that what they're looking at is not health insurance as most people understand it. But anyway, can you point to where it says they're not ACA coverage? And it's really not that complicated. You have major medical insurance as most people understand it--health insurance for which you pay a premium and the insurance company pays benefits to the provider, subject to the insured's deductible. And you have everything else, none of which is major medical insurance as most people understand it, and it should be clearly labeled as "not major medical insurance." In the "not major medical insurance" category is fixed benefit/indemnity plans, which I'm gathering were designed as a supplement to major medical insurance--providing payments that will help people cover a high deductible, or to compensate people who lose income because they are sick and can't work. I saw some marketing materials that were targeted at doctors and other high-income earners, who could use the fixed benefit/indemnity payments as replacement income if they're unable to work because of illness. To me, a plan that is marketed to high-income earners would need some explaining to be considered what the average person needs/wants when it comes to health insurance.
  7. Blues

    FMCA PPO plan

    Sigh. No mention anywhere on that page that the products being offered/compared are not major medical insurance.
  8. I should point out that if someone changes his insurance when he switches locations, the deductibles and out-of-pocket maximums reset. Logistics and practicalities tend to rule out people who travel fulltime changing their insurance as they change where they're living, but even if it could be done, it might not be a great idea.
  9. You're asking about healthcare.gov information, but saying you're looking for information on off-exchange insurance, so I'm not sure what you actually want. Anyway, the part about snowbirds is in the FAQ you linked to in your original post. and People who meet the residency requirements in more than one location (snowbirds) can change their insurance when they switch locations, or find a plan that covers them in both places and keep that plan year-round.
  10. Blues

    Texas Class A or B License Upgrade FAQs

    In the irv2 thread, which was linked to here, there was a link to the statute in question, so it didn't take much effort other than digging through a bunch of misinformation in that thread to find it. And I'll note that while the linked-to version of the statute in the irv2 thread looks official, it in fact doesn't match verbatim the actual statute. Beware "unofficial" sources. So here's that whole section: In subsection (b), it says, without needing tricks, that if a person is licensed to drive a "regular" vehicle in his home state, he's licensed to drive it in Texas, too. That's what y'all are saying is the case for big RVs under subsection (a), too, but subsection (b) illustrates that the Legislature knew how to say just that, but chose not to in the case of big RVs. So the question becomes: Why did they do that? Why not use that same language in the case of Class A and Class B licenses, too, if that's what they intended? The fact remains that Texas requires a demonstrated higher skill set for being allowed to drive a big RV than a passenger car, presumably in the interest of public safety. And it's not unreasonable to believe that Texas doesn't want to allow unskilled drivers of big RVs on the road just because they're from another state. So they require people from outside the state to have a license similar to Texas's Class A or Class B licenses, which represent additional knowledge and skills. Here's subsection (a) with superfluous (for this discussion) words elided: It clearly says it's the license that has to be similar, not the vehicles allowed to be operated with a given license. I think it's entirely possible that they assumed that other states had a licensing structure similar to Texas's, and it never occurred to them that someone from Arizona can drive vehicles with a Class C license that would be prohibited in Texas. We don't know that, of course, but it could explain why they didn't use the same language for reciprocity of Class A and B licenses as they used for Class C licenses. But it turns out that some states do allow people with just a Class C to drive a big RV. From a practical standpoint, what's the Arizonan supposed to do to drive in Texas? Texas isn't going to issue him a license, and Arizona doesn't require him to demonstrate special skills to drive his big RV. The answer, again from a practical standpoint, is to assume that if he's legal in his home state, then he's legal in Texas. But you don't get there from just the language in the statute, and that's why I brought it up at all, to rebut the statement that the ability to read is all that's required to know that.
  11. Actually, I think there is a definitive answer: Use where you actually reside if that's possible, but if it's not, then use your domicile. The purpose of the ACA is for people to have health insurance, not deny it to them because they travel around all the time. Healthcare.gov has provisions for homeless people without an address, and for snowbirds who have two different houses. I think traveling fulltimers simply aren't a big enough or obvious enough group for their situation to get specifically addressed, but since all of them have a domicile, there's a definitive default for all of them, so maybe it doesn't need to be specifically addressed. And your link to Marketplace Help is just a form that will get forwarded to an agent or broker, and won't be answered by anyone actually associated with the Exchange. Not much help there for this situation. But for the record, I did call the Exchange phone number and asked a representative what I should do if I want to travel around away from home for the next year, and she put me on hold to ask someone, and came back and said I should use my home address. Makes sense because...where else would I use?
  12. Blues

    Texas Class A or B License Upgrade FAQs

    It's not really all that straightforward. Here's the Texas statute: "Sec. 521.030. RECIPROCAL LICENSE. (a) A nonresident who is 18 years of age or older and who has in the person's possession a license issued to the person by the person's state or country of residence that is similar to a Class A or Class B driver's license issued under this chapter is not required to hold a Class A or Class B driver's license issued under this chapter if that state or country of residence recognizes such a license issued by this state and exempts the holder from securing a license issued by the state or foreign country." Arizona doesn't require any sort of special license for any RVs, so Arizona RV drivers will have a regular old Class C license. That doesn't appear to be "similar" to a Class A or Class B license in Texas, which require a written and driving test in addition to what is required for a Class C license. I think it could be argued that if an Arizona-licensed driver can legally drive his RV in Arizona, he can legally drive his RV in Texas, because any other interpretation just wouldn't make sense. And that's what you're saying. But to get there, you have to go outside the actual words of the statute, so I don't agree that it's straightforward if one has the ability to read. And in fact, actually reading the statute (instead of just believing people when they say your license in one state allows you to drive in any other state), and considering only the words in it in a straightforward manner, will lead to a very different conclusion.
  13. Blues

    Contaminated Fuel - Pilot

    I'm curious--what type of insurance would cover this?
  14. That's no different from a person who lives somewhere in a house but travels a whole lot. I'm asking about fulltimers who travel constantly, and may not be in their domicile state for years at a time. They're not allowed to use their domicile state for health insurance purposes? And if not, which state should they use?
  15. I read the rules on what documentation is required/acceptable to prove a move that qualifies a person for a special enrollment period. I agree. If that's the case, then what state would you suggest the person use to apply for health insurance?
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