I saw more new “Followers” this morning and I sure do appreciate you tagging along with me on this incredible journey. So, Welcome aboard to Judy and John and also to Tom. THANK YOU to everyone for giving my blog the opportunity to inform or entertain you.
I received several comments regarding yesterday’s post about camping fees here in California where we are at the moment. First of all, those “whopper parks” I mentioned with fees as high as $400 are not the norm. They are real, they exist…..but they do not reflect the majority of parks in California. I guess I didn’t make that very clear, sorry.
I did post some information on places where the daily rate is as low as $27 for FHU. OK now…this was also meant to reflect the daily rate and not a monthly rate. I think we know that if you can spend a month in one park you will usually qualify for the cheaper monthly rate. The original question posted by Judy led me to think she was questioning the daily rate fees. Most folks that are RVing on a vacation don’t always spend a month in one spot and so that daily rate may be more of what they will be facing. Also…California has a lot of trendy or touristy locations (near vacation hot spots) and those rates are hefty. If you stay in the more rural, or small town areas in California, you can find lower rates.
I didn’t mention the super-low daily rates at the membership parks because everyone doesn’t belong to a campground membership program. That is a whole different kettle of fish and I’ve posted, in great detail, information on that already. I hope this clarifies any lingering questions or debate on California dreamin’.
What a surprise we had this morning when Bruce did some online checking on our bank account! Not a good surprise either. He always looks to see when a planned automatic payment comes out of the account to make sure that it did, in fact, get taken and there hasn’t been a bank error that would leave us with a late payment. Today was his day to check to see if our auto-pay for our health insurance premium was taken. It was! That’s the good news. The bad new is that he saw a monthly premium increase of $154.00. That would make our total monthly premium for us being $1,093.00. That sort of put me into a bad mood right away.
And I thought the great health-care debate and new legislation passed was supposed to “help me” not screw me over with higher premiums. See what I know! Thanks for making things better for me now!
After breakfast Bruce did get on the phone to our insurance company to see what we could do to help ourselves. We already have a $5,000 deductible, but do have some prescription coverage which is helpful. We can no longer raise our deductible he was told. The rate increase was due to a federal mandate to cover the new things that the law made necessary….covering adult children in your home until the age of 26, different and better maternity coverage, etc. All stuff that no longer applies to our situation, but it is all lumped into the whole plan.
What Bruce did find out was that we were eligible for a different policy within the same company (so pre-existing conditions don’t matter) and we are looking into that today. If the new policy looks to be a good deal for us, we may make the switch and it could save us about $175.00 per month over the increased rate on our current policy. Sounds too good to be true (and it probably is).
Before I get comments on this: we have over the years applied to other insurance companies and groups. In Washington we have a plan called Group Health, which is like Kaiser in a lot of places. We applied. REJECTED. Those pre-existing conditions knock us out of the ballgame every time. Once you’ve had a heart attack and bypass surgery that puts a black mark against you. Bruce will be eligible for Medicare and a health supplement in a couple of years. That may help.
I hope everyone has been having a good day. Summer is almost over and fall is approaching. You snowbirds out there are probably looking closely at the calendar for your own “blast off” day. Hope it comes for you soon!
Until next time…..so long for now!