I'm planning to full time in an RV again starting next Spring and I am covered by Medicare now. Last time I had no health insurance (I've usually been healthy and I've been 'naked' before). I've been on a Medicare Advantage plan (MA) which reduced my Part B premium by about $79 a month. They've canceled that plan so next year (now, starting Oct 15) I need to find a new one. I see some other MA plans that give me a Part B refund and I would like to start off with one of those. I plan to hit the road at the end of March and I don't know what to do then.Will an MA plan offer any coverage while I'm traveling? I've heard that regular Medicare would cover me anywhere in the US. If I go MA would HMO or PPO work better? I will probably spend the Summer in one general area up North and then travel back South in the Fall, so I think I could switch my MA plan to a different zip code in the Summer and then again in the Winter, but part of the time I will be on the road traveling. How would you do this?

There are several posts here promoting AARP insurance. I was an AARP member a few years ago. They would periodically send me mail promoting their car insurance or health insurance. When I compared the prices for those insurance products with what I already had they were much more expensive. You would think that if AARP was using its millions of members as an incentive to insurance companies, that they would get better rates than non-AARP insurance offers. I wonder where that extra money is going? Maybe into the pockets of the executives at AARP?

ItsyRV wrote:The issue some have with these "any network provider" Medicare Advantage "nationwide" plans are in some parts of the country, there are too few providers let alone any specialist. Even when there are providers, the next available appointment for non in-state enrolled patient is a month or more out. Humana, like all "networked" Advantage plans is provider deserts, no provider within any reasonable travel distance. Yes, you may be able to go out of network in some cases and have a portion covered, but often they use the network requirement for coverage as an excuse to deny payment.I don't think is really a case of "gambling", more like a careful needed evaluation of risk vs rewards. For the rewards of saving substantial money, can you tolerate the risk of a possible no or denied coverage and expense?I understand the concern and it is a valid point. So I picked a small town in the area where I plan to spend the Summer next year, Franklin NC. It's only about 4,000 people. There are no other big cities near it. I went to Humana's provider search page. I selected the Medicare PPO. There are about 20 Family practice doctors and about 20 specialists in network in the small town of Franklin. I'm surprised there are so many doctors in a town of 4,000, but that's good. And if I need a hospital the Angel Medical Center in Franklin is in network. I looked at their website and their facility seems large, modern, professional. The plan even has psychiatric care in the area if I go crazy. :-) Finally, I'm not going to choose places to visit based on how close they are to a plethora of doctors and hospitals. If I'm that frightened of a medical emergency I should give up full time RV life and go back to Dallas, or at least find an RV park close to a medical center in a large city and live there until I die.

Before extensive RV travel years ago I checked into this and decided to use original Medicare with AARP supplemental plan F and now plan N and i did receive full coverage for everything throughout the western USA and no or small copays and NO NEED FOR REFERRALS FROM A PCP.I also have full medical coverage to include dental and eyecare from the Veterans Health Care System but perfer private medical for serious issues such as cataract surgery, etc.My research showed that MA plans were to limited and restricted for nationwide full time travel.

Ask an independent insurance agent.

You have received the best information from the above post with the exception of AARP.

Medicare For Full Timers | Good Sam Community

arhayes
Explorer
Oct 14, 2022
Medicare plans avbl are state specific, so important you closely review MA plans in your state. In our case, TX does not offer any that are in network nationwide, so we have used Part G plans which have worked out very well. Costs more, but I need no referrals and the coverage is excellent. We’ve been FT for 8 yrs (3 while covered under Medicare) and it has worked for us. Choose wisely.
JimK-NY
Explorer II
Oct 14, 2022
I also went Medicare plus AARP United Healthcare Plan F. Plan F is no longer available for new subscribers but I would recommend the most comprehensive plan available. Avoid any managed care/HMO/PPO plans especially if you do a lot of travel. You certainly don't want to be stuck with a plan that requires restrictions and referrals.
bgum
Explorer
Oct 13, 2022
You have received the best information from the above post with the exception of AARP.
Lwiddis
Explorer II
Oct 13, 2022
Ask an independent insurance agent.
NamMedevac_70
Explorer II
Oct 13, 2022
Before extensive RV travel years ago I checked into this and decided to use original Medicare with AARP supplemental plan F and now plan N and i did receive full coverage for everything throughout the western USA and no or small copays and NO NEED FOR REFERRALS FROM A PCP.

I also have full medical coverage to include dental and eyecare from the Veterans Health Care System but perfer private medical for serious issues such as cataract surgery, etc.

My research showed that MA plans were to limited and restricted for nationwide full time travel.

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