Driver's license with no permanent home. - Page 6 - Fiberglass RV


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Old 07-31-2016, 05:56 AM   #71
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So from what I'm reading, the only "legal" way to full-time (with my belongings in storage)' is to "move to S. Dakota, Florida, or Texas to have a valid drivers license. Not sure about car insurance though. I recently became a resident of Nevada, and have Medicare. It takes months to find a new doctor on Medicare, so I'm trying not to switch states again. I would drive back to Reno for doctor appointments and medication renewal. Medicare does not go other states when you are traveling. I have no family or friends to use their address, so I'm still at a loss.

Medicare will cover you anywhere you go in the U.S. or its territories. It is your supplemental (Medigap) coverage that may not kick in, depending on your particular plan unless you need urgent or emergency care. I do not know why you are having a problem when you look for a doctor who accepts Medicare; it has been my experience wherever I go that many health care providers accept it. In Florida, those that don't are rare. That's why we refer to this State as "God's waiting room." And insurance is generally obtained in the State where the vehicle is registered. And are you saying you have no family with a permanent address anywhere?


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Old 07-31-2016, 06:46 AM   #72
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Lynn, I'm too lazy to read all the previous posts, but I'm sure that joining the Escapees organization has been mentioned. Look in to it.
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Old 07-31-2016, 10:43 AM   #73
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So from what I'm reading, the only "legal" way to full-time (with my belongings in storage)' is to "move to S. Dakota, Florida, or Texas to have a valid drivers license. Not sure about car insurance though. I recently became a resident of Nevada, and have Medicare. It takes months to find a new doctor on Medicare, so I'm trying not to switch states again. I would drive back to Reno for doctor appointments and medication renewal. Medicare does not go other states when you are traveling. I have no family or friends to use their address, so I'm still at a loss.
Medicare does work in other states when you are traveling if you signed up for the right Medicare type. Then you will also need a supplemental policy that works nation wide such as the one from United Health Care via AARP. Such changes needs to be done during a specific time period which just happens to be the same time period for both Medicare changes and supplemental insurance changes.

I would suggest contacting your local senior center as they often have free social worker type of assistance for understanding all of these issues and resources concerning health care and insurance. If they don't have someone on hand they can at least give you a referral to a group who does that.

It will be much easier to sit down with a cup of coffee and go one on one with personal helper who is trained in health insurance rather than trying to get it all sorted out in a forum that is not focused on the subject of human health care but is instead focused on helping with finding and maintaining molded fiberglass trailers and traveling in them or even selling them. As a nurse you are familiar with consulting a specialist for specific issues versus expecting a specialist to be your GP. So right now you need to consult several specialist to get the best answers to your questions. You need a health insurance specialist, a Little Guy owners forum specialist and your GP will be a forum that is dedicated to the subject of full timing in an RV.
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Old 07-31-2016, 01:15 PM   #74
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The states you mentioned are for income tax purposes.
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Old 07-31-2016, 03:13 PM   #75
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Medicare does work in other states when you are traveling if you signed up for the right Medicare type.

There are NO different Medicare types. Everyone gets Part A (hospitalization). You sign up for Part B (health care specialist visits) which essentially covers 80%. coverage is identical for all Medicare eligible participants.

If you don't want to get stuck with bills, you get a supplemental plan to cover some or all of the other 20% of Part B. Some supplemental plans may also cover Part D (pharmaceuticals, AKA, prescription drugs). It is in the supplemental plans that you will encounter a wide range of costs and a wide range of what is covered and what is excluded. Typically, the better the supplemental plan, the greater the cost. Sort of like "You can pay me now, or you can pay me later."


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Old 07-31-2016, 11:22 PM   #76
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I can see now that it is the Nevada Senior Dimensions that only is valid in Nevada , duh! Although Medicare did tell me I had to declare residency somewhere.
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Old 07-31-2016, 11:40 PM   #77
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My Colorado doctor of 20 yrs dropped me when I switched to Medicare. Physicians are reimbursed around 15 cents on the dollar, so they usually limit their practice volume of Medicare patients to 10% ish.
I moved to Prescott Az and never even asked if the doctors if they accepted Medicare. I simply asked if they accepted new patients. Three must be a doctor shortage there. After 4 months, I ended up finding a doctor to accept me 2 hours away in Phoenix.
But I didn't like Prescott. My apartment was infested with scorpions so I end up in Reno. It took me a month to find a doctor accepting new patients here.

No I have no family. I know it's probably hard to believe. But my parents had me in their 50's and died 40 years ago. I grew up without grandparents, brothers, sister, cousins, etc. and I have no friends to use their address either. I worked in a hospital for 30 years but found out when I became ill/disabled and unable to work, I only had "acquaintances" from work and not real friends.
I'm trying to do the right thing-for drivers license, car insurance, etc. I dont really want to be dishonest. But the system isn't set up to accommodate "full-timers.
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Old 08-01-2016, 12:08 AM   #78
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There are NO different Medicare types. Everyone gets Part A (hospitalization). You sign up for Part B (health care specialist visits) which essentially covers 80%. coverage is identical for all Medicare eligible participants.

If you don't want to get stuck with bills, you get a supplemental plan to cover some or all of the other 20% of Part B. Some supplemental plans may also cover Part D (pharmaceuticals, AKA, prescription drugs). It is in the supplemental plans that you will encounter a wide range of costs and a wide range of what is covered and what is excluded. Typically, the better the supplemental plan, the greater the cost. Sort of like "You can pay me now, or you can pay me later."


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https://www.medicare.gov/sign-up-cha...e-choices.html

If you choose to go with the Advantage plan you are going to be stuck going back to home base the way Lynn is. If you want to be more flexible in where you travel then you choose the traditional plan and add on a nation wide supplemental plan. Does it cost more? Maybe, maybe not, it depends on the state your residence is in. But if you are truly low income and the state of your residency supplements your health care cost then you may be more limited in your choices.

But either way this is something that Lynn needs to take up with a person who is very well qualified to advise her. That is why it should not be something she is asking for advice on in a Fiberglass RV forum. It is financially and health wise too critical of a decision to turn over for advice from non health insurance experts such as ourselves.

A year ago in the spring when I turned 65 I went through all of this decision making about what to do for health care so I could travel full time. So I am set up for it now, I am not tied down to any one doctor or any one health service and can go where I want to in the USA and still get medical care. But I did not end up being able to travel to the Southwest last year as I had cancer and vision problems, 5 surgeries kept me pinned down. Too soon to tell what my plans will be for travel this next 6 months as I have catching up to do with chores and finances so I will just go with the flow and not make firm plans.

Urgent care clinics are good in that you avoid getting stuck with a bill that is not covered by medicare which is called "new patient visit". Doctors love to pull that one you as you have to pay it in full and medicare does not make them cut the charges in half. The insurance companies love it too since they don't pay a single penny towards it. If you are not careful when traveling you could get stuck with a whole string of "new patient visit" bills.
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Old 08-01-2016, 05:08 AM   #79
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https://www.medicare.gov/sign-up-cha...e-choices.html

If you choose to go with the Advantage plan you are going to be stuck going back to home base the way Lynn is. If you want to be more flexible in where you travel then you choose the traditional plan and add on a nation wide supplemental plan. Does it cost more? Maybe, maybe not, it depends on the state your residence is in. But if you are truly low income and the state of your residency supplements your health care cost then you may be more limited in your choices.

It is important to note the Medicare is a government sponsored/supported program, but private insurance companies have their hands all over it. The point I make is that everyone gets "government financed" hospitalization under Part A. Where one goes from there is a personal choice. You can elect Part B and either choose to buy a supplemental plan or not buy one. The point I make is that there are a wide variety of options available (unless one is living in poverty and requires some type of governmental assistance) and I believe the vast majority of those options are provided by private insurers such as Humana and Blue Cross. It is these Medicare supplements that vary greatly in cost and coverage and ability to choose one's providers. I agree that it is wise to discuss coverage with an "expert," but as I see it the bottom line is that you have to make the choices that support your planned lifestyle. I don't mean to be cold or cruel here, but if you cannot afford a medical plan that will do so, then it might be best to reconsider your lifestyle plans.


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Old 08-01-2016, 11:32 AM   #80
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I am AMAZED at how little actual recipients know about Medicare or the supplement plans available. I have talked to many who don't even know what their monthly payments are.
It is difficult at best to gain succinct answers to specific questions from the providers (government or private)
Social Security is another area with the same sort of smoke screens and mazes. Even getting to speak to a representative is an arduous endeavor, often with no answers or false information.
To be fair, we faced the same wall of obfuscation when planning our retirement.
It took about 6 months of research with the help of a fellow employee to get the information needed to make the best choices.

With Social Security it took about three months to gain enough information to apply. After that, four months all told to file and receive first payment.

I am now in the process of navigating the transition from private health insurance to Medicare and Medicare gap. There are certainly pitfalls and mazes to be dealt with and I am sure I will not ever be fully informed since those charged with administration of these programs are seldom fully informed themselves.
We expect to be as well informed on this program as we have on the others , then we will have to make our decisions based on the limited and often wrong information which we are able to gather.
Still, by the very nature of it, you can't know you've been blindsided until it happens.

So perhaps my AMAZEMENT is unfounded and I should understand why so many people enter into these stages of life just accepting what happens to them, like a deer in the headlights (and that is not to say with eyes wide open)

It can be no wonder then that many questions about such things for fulltimers as... tax status, driver's licensing, car insurance, or even the definition of residency, can be hard to navigate, even with the best of intentions from all involved, and I can only be skeptical of that likelihood.
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Old 08-01-2016, 05:06 PM   #81
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There are certainly pitfalls and mazes to be dealt with and I am sure I will not ever be fully informed since those charged with administration of these programs are seldom fully informed themselves.

Actually, some of the best sources of information for Medicare are the billing people in health provider offices. These are the people who have to deal with the screen of confusion daily when billing Medicare for their patients, and can generally provide a good explanation as to what is and isn't covered under any given circumstance. They also can provide valid opinions on which supplemental plans provide good coverage and which ones are crappy. And almost any good CPA can provide better information about Social Security than the program administrators who, as you say, are not always fully informed.


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Old 08-01-2016, 05:33 PM   #82
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Yes, I was a ICU nurse, then Manager, then Hospital Supervisor who managed a 300 bed Trauma Center. But I admit I've been ignorant about Medicare. I had originally signed up for AARP United plan but when I moved to Reno, I didn't realize it wasn't nationwide coverage, and I was dropped, before I even knew it.
I found I couldn't choose Original Medicare w/ a supplemental plan because no one would except my high risks or the premiums were too high. So I ended up with an advantage plan (Nevada Senior Dimension). That's why I had to pick a GP, a local hospital, and need referrals.
I am learning more as I go. My SSDI is just over the "income limits" for affordable housing, health care subsidies, food stamps, section 8 housing etc. I admit I was embarrassed to ask for help, but turns out I didn't qualify anyway.
i do appreciate your thoughts and input though. I'm still learning.
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Old 08-01-2016, 07:07 PM   #83
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That is the unfortunate part of the Advantage plan. It is restrictive and is essentially the Medicare version of an HMO. I guess I am lucky in that I have TriCare as my Medicare supplement. I don't have to get referrals and I am covered anywhere in the U.S. or its territories.


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