Health Insurance - Page 2 - Fiberglass RV


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Old 08-18-2007, 04:07 PM   #15
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What can I say. I hate insurance and love it. It has saved me so many times I really canít complain too loudly.

I just need to do what I need to do and try to be smart about it.
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Old 08-18-2007, 04:27 PM   #16
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Both my wife and I are on Medicare. I also pay $400 a month from my retirement check for coverage by my previous employer that pays 80% of what Medicare doesn't pay and the providers can not charge me more than Medicare allows.

This means that my recent back operation that costs $8,500 cost me less than $100 after all the doctors (3) and the hospital (overnight stay) submitted their bills.

The only downside is my lifetime benefit is limited to $2,000,000.

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My primary care physician is with the VA. I qualified for that under the law signed in 1996 that expanded VA elligibility to those veterans without service connected disabilities.
I am a Korean War veteran and when I went to apply for benefits at the VA hospital in Dallas, TX when I retired in 1999, I was told that without a service connected disability I didn't qualify for any services. I might like to use the VA if I ever use up my $2 million life time benefit.
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Old 08-19-2007, 11:43 AM   #17
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I am a Korean War veteran and when I went to apply for benefits at the VA hospital in Dallas, TX when I retired in 1999, I was told that without a service connected disability I didn't qualify for any services. I might like to use the VA if I ever use up my $2 million life time benefit.
That VA eligibility for non-service connected disability is tenuous, at best. The present administration has been trying to eliminate it, but the congress, so far, has been listening to their constituents. They may have closed it to new applicants, though.
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Old 08-19-2007, 01:51 PM   #18
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A member of my sunday school class told me today to that since 2001 you had to receive either a Medal of Honor, Silver Star, or a combat wound to receive full medical benefits.

Unfortunately my 4 years, 4 Months, and 20 days of war time service counts for zero because I wasn't wounded or even shot at.
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Old 08-19-2007, 03:19 PM   #19
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...since 2001 you had to receive either a Medal of Honor, Silver Star, or a combat wound to receive [b]full medical benefits.
Yes, that is true. Only those persons mentioned above have no out-of-pocket expense.
I only have access. I still have to pay a hefty co payment myself, and they must be able to bill my regular health insurance plan. The big benefit for me is the prescription drug plan, and no residual billing beyond the co payment and the insurance recovery. That was not the case in my other incident. That time I was personally liable for whatever Blue Shield did not pay, because then I was treated outside the VA system.
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Old 08-22-2007, 06:57 AM   #20
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One thing I forgot to mention is that our insurance rate is based on where we live. Our rate went down about $40/month when we moved from Pinellas County, Florida (St Pete-Clearwater) to Polk County, Florida (Lakeland-Winter Haven) ...

Also note that some policies cover only expenses incurred in a specific locality or with listed providers. Those policies are not useful if you travel a lot. Some will pay for expenses incurred outside of your area but you have to pay the bill and then submit a claim for reimbursement. Most policies won't cover you outside of the US either. I don't understand why since services outside the US are almost always cheaper ... I suppose it's the fraud thing.

We've explored health care a little outside the US ... very interesting. In the Bahamas (and most Caribbean Islands), specialists are almost unheard of. Almost all doctors are GPs and treat everything much like we used to do in the 50s and 60s before litigation for malpractice. Many doctors, for example, have their own x-ray machines and routinely set broken bones. No radiologist, no orthopedist, no anesthesiologist. While they might miss a subtle blood clot shadow or a small tumor, they can read the film good enough to set a bone by.

My wife visited a very good chiropractor in Georgetown a couple of years ago for $25 a visit. Some friends postpone dental work and have it done in the islands because it's cheaper.

You can argue about the quality of care or the sophistication of the treatment if you want but most of these island doctors went to the same med schools as the US guys and probably did their internships at US hospitals. They are also more familiar with diseases and injuries common to such places ... infected sting ray barbs, fire coral stings, or poison-wood rash for example not to mention more serious stuff like malaria.

Note too, that drugs in many places can be bought over the counter provided you know what you want or have an empty bottle to be refilled. I'm sure that hard narcotics are controlled better but we bought prescription sea-sickness pills just by asking for them. Drugs in many places are not tied to doctor's prescriptions.

If I was concerned about a serious health issue like a cancer treatment or diagnosis, there's no substitute for one of the premier US specialist hospitals or treatment centers but for routine health care needs, I would actually prefer an MD with a broader perspective especially if I have to pay out of pocket.
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Old 08-22-2007, 12:02 PM   #21
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There are Medicare Supplement carriers that provide coverage in all fifty states.

We have our supplement through AARP and we can get medical care in any state.
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Old 08-22-2007, 12:05 PM   #22
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Being a member of Army Reserve with a deployment to the "Sand Box" in 2004, I am eligible to use Tricare Reserve Select. (the same as Tricare for Active Duty Soldiers) At a cost of $253 a month for Ms "always" Right and I, we are very satisified----but I have to stay in to receive it. (38 years @ the end of this month) But, it will be free when I turn 60, and then kicks in as the supplemental when I am eligable for Medicare. So, we count ourselves lucky, as Blue Cross/Blue Shield type of coverage would be cost prohibitive for us. Larry
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