Posted by Goose on January 09, 2009 at 07:44:18 from (65.208.249.179):
In Reply to: OT- health insurance posted by Dave from MN on January 09, 2009 at 05:49:25:
Bo, I just started this a couple of months ago when my wife retired and we lost the BCBS plan though her employer. You ask a couple of good questions, and I decided I'd rather have a bit of overkill initially and fine tune it later.
One scenario I was alerted to by VA, Medicare, and BC reps is this: Say I had a heart attack and was taken to the ER of a large local heart hospital. The hospital would save me, (hopefully), stabilize me, and call the VA. The VA would take over from there, and from the time they became involved either pay the bills to keep me at that hospital or transfer me to a VA facility. BUT, I'd be responsible for the bills from the time the attack occurred until the VA took over. Even with Medicare paying 80%, that could be a good chunk of money.
This is one of the loopholes I mentioned above. The local situation is, the VA has an outstanding outpatient facility in Lincoln, Nebraska, 20 miles from my home, but the nearest inpatient hospital is in Omaha, 70 miles away. This was one thing I looked at in structuring my insurance. Like I said, I opted for overkill initially with the thought of maybe fine-tuning later.
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