Jaydrvr

https://www.rvupgradestore.com/Garnett-Technologies-Model-709P3-SeeLeveL-II-p/709-P3.htm

These for the tanks, get a compatible state of charge monitor for your batteries. Jay

2 hours ago, Dutch_12078 said:

That's an interesting situation, Rod. I'd suggest talking to a Medicare specialist to find out how the Medicare premiums would be handled if you don't take the SS payments.

If you're not yet taking social security but you're signing up for Medicare, you just send a monthly premium check to cover the $170.00 Medicare premium, or whatever it is each year. Pretty common scenario. Jay

SOK 12 vdc, 100 a/h lithium iron oxide battery, new in box. No longer needed. Located in central-north central Florida. $500.00 Thanks, Jay

25 minutes ago, GlennWest said:

Wow. You guys make me question if I made a good choice. I thought I did good getting Blue Sea switch.

Blue Sea products are great, well engineered and well built. You can't go wrong with them. Jay

7 hours ago, 2gypsies said:

This may shed some light on your questions:

https://www.medicarefaq.com/faqs/why-medicare-advantage-plans-are-bad/

And right there continuously at the bottom of the screen is their 800 number so they can sell you a new and expensive plan. The article doesn't exactly seem unbiased or accurate to me. The fine print says "powered by Elite Insurance Partners". Jay

3 hours ago, Kirk W said:

But which way is right, discharging or changing? Old John is avoiding that part of the question. 

If you potentially can expect roughly the same current levels in and out, I don't see where it would make any difference. If your discharge currents are expected to be substantially higher than the charge currents, you MIGHT consider that to be a priority. Jay

1 hour ago, Mark and Dale Bruss said:

Remember Medicare Advantage is a form of a HMO and not the best kind of plan for an RVer because of travel outside your medical area.

There are multiple Medicare Advantage PPO plans that work across the country. Many of us have and use them. Very happy with our Medicare Advantage PPO plans that we've been on since we've been eligible. Our out of pocket costs are negligible. Jay

This resource shows the thinking behind different methods of wiring battery banks. Jay

http://smartgauge.co.uk/batt_con.html

3 hours ago, Chalkie said:

Sometimes I wonder how these hospitals and doctors make any money at all. Clearly they do, but the amount paid is likely why doctor offices seem to run patients through like cattle through a chute. 

When I was hospitalized for COVID I had one of the really bad cases, not ventilator bad but close. Anyhow the bill for my stay just from the hospital was $144,246 and Medicare paid only $14,931, roughly 10%, and I owed nothing.

Not to be a tin hat conspiracy theorist, but there's no doubt in my mind that there is a lot going on behind the scenes that ordinary people are not privy to. I've watched hundreds of millions of dollars worth of hospital expansions and new construction, plus I've seen doctors live very comfortably, in addition to paying off their enormous student loans. I do know there are contracts with teaching hospitals, for example and I'm sure there are other significant revenue streams. There's no way they're making ends meet on the drastically reduced bills we see at the consumer end. What the real story is, I have no idea.. Jay

1 hour ago, Chalkie said:

This is straight from the Medicare website as regards part C and D. So the same timeframe exists for Parts C and D. Open enrollment periods do not apply if this is the initial sign up for coverage.

 

If you join	Your coverage begins
During one of the 3 months before you turn 65	The first day of the month you turn 65
During the month you turn 65	The first day of the month after you ask to join the plan
During one of the 3 months after you turn 65	The first day of the month after you ask to join the plan

This is all true and accurate, but doesn't change the "late enrollment penalty". I've seen this several times where the Medicare recipient doesn't see any need for part D and doesn't want to pay for it. That's all well and good, but each year that goes by without having part D brings an additional penalty that stays with you as long as you're on Medicare, so forever.... It IS a fairly modest penalty. Jay

1 hour ago, jenandjon said:

Posting pics on here is easy. Only take a few seconds. use this site then take off the img from both sides. RV.NET: Photo Posting (is-great.net)

 

It may be easy on some devices, but since I do most everything on my phone, I'm forced to jump through several hoops to get there. I can do it, I just don't like to. 😃

YMMV 

Jay

Limits apply means they have specific limits for specific procedures. They don't always make sense. For example, they wouldn't pay for my shoulder surgery at our local Orthopedic Institute, so we had to go down the street to the hospital, for which they paid handsomely. My surgeon told me the hospital charges a high enough flat rate that lots of things get covered. I had seven suture implants placed, which were $450.00 each. They were covered under the flat rate.

Re plan approval, I think that's pretty standard. Amy major procedure or surgery I've had required the provider's office to call for approval. I've never been turned down for any procedure that I know of. 

Re theory or practice.. In practice, my expenses are so low and reasonable that I haven't kept track, but 2 surgeries this year, plus diagnostics and specialists, etc, I still can't imagine I'm out even $1000.00 so far. The copays are all as described, plus I routinely get a discount for prepaying the copay. I think it's 20% at the hospital. My primary visit is $5.00, labs are usually free, etc.

Of course, I'm coming from very expensive insurance I've purchased out of pocket, usually at a $10,000.00 deductible, before I became eligible for Medicare. So this all seems ridiculously inexpensive for me.

Jay

12 minutes ago, Blues said:

For me, the value is not being restricted to a network (and especially a local network), not having a gate-keeper determining what care will be covered, and not having to have a primary care physician.

It sounds like your Advantage plan avoids all of this.  What company is it with?  What state?  Is there a particular name for this plan?  I'm interested.

I have Humana Choice PPO, but before that I/we had Blue Cross based in Ohio, but FL Blue usually administered it since we were most often in FL. You can just look up your options on the Medicare page and filter for PPO. We have several options in FL, but since I haven't shopped in some time, I can't really tell you how many. I do have a primary because I like her methodology, but I can choose any provider or specialist I want. Good luck! Jay

29 minutes ago, GlennWest said:

Jay, my wife is older than me. Has soon medical issues. She and I now have same provider and coverage. She has paid nothing even with her cancer scare.uper lip became ugly. Cancer. Removed and it was deep. Paid plastic surgery and all. We were in Virginia when this happened. Reason I went with this. It is $113.00. I intend to retire in spring reason I went ahead and got this. Now staying in one spot mostly makes an Advantage plan look promising. But I will do lots of research before hand

I'm really glad you've found a product that works well for you. My late wife was also older than me, by 8 years. We had excellent coverage and all went well. You're exactly right that's it's important to do plenty of your own research. Jay 

You can easily spend up to a half hour jumping through hoops to upload pictures here, while on Facebook it's done in a few seconds. I have to use one browser to create the link and then go back to the other browser to post it. That makes more than enough difference for me. Jay

There's this common misconception that Medicare Advantage is all HMO, but that's not an accurate representation of what's available. We've had Medicare Advantage PPO since we first turned 65 and have used it to great success in multiple states nationwide. I'm still trying to determine the attraction to supplements and their steep premiums, plus the requirement to medically qualify. I know there must be some value there, since so many prefer that route. Jay

2 hours ago, Vegas Teacher said:

No problem Jay, I am a high school teacher and I am used to kids not reading instructions. No harm, no foul you get used to it after 25 years of teaching.

Later,

Cory O

At least I have a good excuse - I'm a really old f@&t. What excuse does a teenager have?? Jay

5 hours ago, Mark and Dale Bruss said:

The HH RV Resource Guide,  https://www.hhrvresource.com/node/44.html was created to stop all the wife's tales about commercial, non-commercial, and other driver's licenses.  It has copies of the state codes that define the need for licensing.

Your state of residence, which also be the state of your driver's license, determines what you need to drive your rig.

 

Of course that's true and very helpful. Corey likes to ask a lot of questions and many like to respond and be helpful. Jay

Well, I blew that.. I was sure Corey was asking about a CDL yet again, but apparently I misread it. I seem to be doing that more as I "mature". Jay

Corey, I've had my CDL since its inception. Nevada does not require a CDL. Having one will only expose you to additional scrutiny, expense and regulation, for what benefit exactly? I can't imagine any scenario where the CDL has any value for you, unless you plan to put it to good use. Jay

https://www.hhrvresource.com/node/44.html

"The only “evidence” presented was an “analysis” apparently conducted by the Florida Department of Health."

While I agree with your overall premise, I'm not seeing where this analysis was the product of a single individual. What am I missing in your view on this? Jay

1 hour ago, ARGO said:

Yeah, I got TERMINATED. But not for the floor thing, I made reference to a spice smell common to certain ethnicities

Yes, I remember that as well. Seems you're in good company. Some of our greatest contributors have been around the block a time or two. Jay

19 hours ago, Alie&Jim's Carrilite said:

I got a BIG time out for saying that a few years ago.... 

That was you?!? I wondered when I read that line if someone was gonna get in trouble, then I never saw that forum member again. Learn something new (almost) every day. Jay

I spent $17,000.00 at the dealer for my N14 in-frame. That included the turbo and a couple other items I hadn't replaced yet. Jay