We're running into the same issue as we prepare to hit the road next summer. With the ACA dying a slow death, we are looking into Christian Healthcare Ministries health plan which is a lot cheaper and can be used anywhere and is ACA compliant. Basically on their Gold Plan it's $150 per person per month and you are responsible for the 1st $500 per health incident, then you get reimbursed for expenses beyond that. The health care provider bills you and then you submit to CHM for reimbursement which may take 3-4 months. If you are basically healthy, it may be an option for you.

 

Tim

Usually 'Advantage Plans' (Part C) aren't as good for fulltimers in that you are limited to primary care physicians in the area where you are domiciled. While you can get emergency treatment in other areas, it is often limited in scope and then you are expected to return to your 'service area'. Most people find that having Parts A&B along with a Plan F (Supplemental) serve their needs as fulltimers with the least amount of problems.

Our Humana Advantage plan in FL will become a national PPO beginning Jan., 2017. Right now it is a regional PPO.

Thanks to all for your comments. I see ghat a great number of you are using BCBS. I also know there are quite a number of different BCBS plans available through the exchangs. If your willing to share can you provide the plan number for comparison.

I am in the process of enrolling for 2017 and I have found the process for 2017 much more frustrating than 2016.

So much so that I am meeting with a Health Care Navigator on Tuesday 11/21 to review options and questions.

Healthcare.gov does not seem to "advertise" this option, but it is there on the web site. There is NO charge to meet with a Health Care Navigator.

As I turn 65 in 2017 I will also be enrolling in Medicare mid year and in doing that research I read "Medicare for Dummies" which was very helpful. As a full timer it appears that my best option will be a Medicare Supplemental plan thru AARP ILO a Medicare Advantage plan which limits my choices of doctors and facilities. We still travel outside of Florida between summer and fall.

We are both relatively healthy, no major medications so medical coverage at this point for us is to cover any major medical expenses that may occur.

I will let everyone know my thoughts after meeting with the Health Care Navigator on Tuesday.

Susan

We are Florida residents and ended up with FloridaBlue Select PPO.  This will enable us to travel and still (hopefully) get medical coverage through the Blue Cross Blue Shield Network.

 

Trace

We are Florida residents and have Plan F Hi deductible. The deductible is $2180 per year. The premiums are ridiculously low for someone our age. Once we reach the deductible then our insurance converts to a regular Plan F. So far we haven't come close to reaching the limit of our deductible. We save approximately $150 per month per person over regular Plan F.

BiggarView wrote:

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Do you save the 150 per month and allocate it to deductible medical expenses? if you have less expenses than your 2180 limit, then it's money in the bank... so to speak, if I understand what you said. We are approaching retirement but not medicare for another 5 years, I/we are trying to get a handle on how to "design" our healthcare plan and the budget for it when we hit the road. We'll need some kind of healthcare option for a couple of years until medicare kicks in.

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 We save $300 a month combined and we re-allocate those funds to things that help us stay healthy - Rum, vodka, beer, wine, and yoga and fine dining.