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whj469

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Posts posted by whj469

  1. A summer in AZ is not my idea of fun! I sure hope that I can get to the UP of MI by mid May. I just got an email from the President of our Board at our RV park and he said that he was waiting on the state to test our water and we should be go to go. Problem, the water testers and other employees are down for a few weeks.

  2. Loves fuel stations in SE Texas are dirty, have unusable bathrooms, diesel fuel on the ground and the customers look like criminals. They probably are just working people. I just paid $2.26 a gallon for diesel and $1.64 for unleaded at a local Exxon. My brother in law uses that discount at Loves but he has a Motorhome and he uses his bathroom

  3. I was unaware that people selling things, health insurance, were allowed to solicit business on this forum?

    I see those deductibles $4,000 and up and think that before I retired my deductible was $500. They don't seem like a plan that I would want to participate in. For the most part you get what you pay for. Each person has different needs, younger people my choose to take more risk with huge deductibles if they are healthy.

    I think that I am lucky because I only travel about five months per year and am enrolled in a Medicare Advantage plan with no cost and it is the best health care that I have ever had. If I am away from my plan's service area, a few counties in and around Houston, TX, they only cover emergency care. I did look at those nationwide plans but with a supplement at almost $600 per month for two of us, it didn't seem like that was what we were looking for. The Advantage plan that I am enrolled in is the only 5 star plan in Texas. Others may not be as good but I do know RVers who use Livingston, TX as their address and use the same Advantage plan.Good Luck

  4. I have a summer place in Cedarville, UP, MI, where we spend our summers. I have two RV lots on Lake Huron in a RV co-op. We own the land. We try to get there mid-May and leave by mid-October or a little before. Question: who would want to be in MI in late fall or winter?

    By mid October our RV park is closed, water lines emptied and no one there. 

  5. An Advantage plan can be at no cost where as they, AARP/United Health Care, want $600 per month for both of us for a supplemental policy.  My Advantage Plan is the best health care that I have ever had! They only pay for emergency care if out of area, four counties in SE Texas. So should I pay $7,200 per year for a supplemental policy in case I need to see a doctor while I am on the road? In many places I can see a doctor for less the $100.

     

  6. We buy re-insurance that covers large claims and caps our liability at 125% of our premiums. When I setup the self-funding, I was told that 200 employees were enough if you got the re-insurance. I don't think that it should be done without the re-insurance? We had been expending about 60% of premiums on claims and United Health Care got 40%. That is where the savings come from. Ninety seven percent of employees are female and most young, child bearing age.

  7. I have never found what you are looking for, low cost medical insurance, for under 65. Therefore I had to wait until I received Medicare at 65. I find Medicare to be the very best Medical Insurance that I have ever had, by far! Before I retired in September 2016 I was the CEO for a company with more then 500 employees and we were paying more then $900 per month per employee thru United Healthcare. I had wanted to retire when I got Medicare but I stayed on for two more years to get rid of United Healthcare and implement a self funded plan which saved a little more then $250 per month per employee or a total of $950,000 during those two years. The self funded plan is better then what United Healthcare offered and they, the self funded plan, decide what is covered and what is not covered. When we had United Healthcare they decided one day that they will not cover weight reduction surgery. We had no input regarding that and I very much resented that. Good luck, you will need it.

  8. It depends on the type of insurance. Does they policy have replacement cost? Full timing will cost more. If you financed the RV and it was totaled they may only pay ACV and you could owe the difference. People have told me that their RV insurance is some low price and I shop around and I can't get good RV insurance for the price. The numbers stated above by the OP seem about right for a real RV policy and not an auto policy add on. Good Luck

     

  9. There are only a few RV parks near Key West and they are expensive by my standards. Some are tight parking but you should be ok with what you stated. Key West is a first class city and I think it is one of the nicest places in the US. Go and have a great time!

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