Medicare plans & travel

Question

Confusion here!  Are we better off with Medicare part B, D &amp; Medigap or using a part C like United through AARP?  We would prefer a plan where we can travel and get medical care wherever we happen to be and not be limited to emergency only situations.   We notice few plans where out son lives in Washington. We will be using his address as our domicile and residence address. We already have Medicare part A and are on group coverage so we will be able to convert to whatever we choose when I retire. Thanks for any light you can share on the subject!

barbaraok · Answer

I think that it depends upon the state where you are domiciled and whether or not the Medicare Advantage plan requires a certain # of days (months) in the state and whether they provide in network payments to other physicians, etc., throughout the country. We have traditional Medicare with a supplement and drug plan. Works well for us.

Barb

docj · Answer

I would guess that most full-time RVers on Medicare use traditional Medigap because it is valid anywhere in the US.  Medicare Advantage plans usually have regional providers and that doesn't fit well with our lifestyle.  If you buy a part F plan plus a good prescription plan (part D) along with your Medicare A and B you are pretty much covered anywhere in the US.

wyotraveler · Answer

Just be careful of plans where you assign your meficare to a specific health care provider. Better to have medicare and just supplement that pays 20%.You can go any where. The supplement plans  like kaiser etc. may or may not be limited to areas.

gau_8 · Answer

The happiest day of my life is when I parted ways with UHC.  Would not use them again if you paid me.Stick with Medicare and a supplement.

2gypsies1 · Answer

We use basic Medicare Plan B plus a supplement. We've had multiple surgeries, doctor visits and lab work during our 16 years of full-timing in different states and haven't had to pay a dime. Our supplement is Transamerica through Good Sam. We don't have prescription. We use generics through Wal-Mart at $4 ea.

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Medicare plans & travel

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