Supplemental Insurance to VA

[runnerr]

I have an insurance question. I live in Michigan and can get health benefits from the VA but I have to get to the VA. I am looking for a supplimental policey to cover accidents. Is there a catastrophic or insurance I can get of an accident where I cannot make it the 25 miles to the va facility. The government is great but I would like to cover all bases. I am 56 and could afford private coverage if I could get it. The reason for the VA treatment is service connected disability. And I figure why duplicate what I can get through the VA. Any suggestions would be highly appreciated. Runnerr. I am retired.

[Martha]

Don't know anything about whether insurance is available for emergencies, but from the VA website it looks like the VA may reimburse for emergency treatment in certain circumstances. http://www.pueblo.gsa.gov/cic_text/f...ben-travel.htm

Emergency Medical Care in Non-VA Facilities

VA may provide reimbursement or payment for medical care provided to enrolled veterans by non-VA facilities only in cases of medical emergencies where VA or other federal facilities were not feasibly available. Other conditions also apply. To determine eligibility or to initiate a claim, contact the VA medical facility nearest to where the emergency service was provided.

[JPatrick]

Martha has given good advice. Also at issue is whether you are authorized to use the VA for all health issues or only those service related.

[runnerr]

Thanks Martha, I am rated at 30 per cent and use the va for every thing. If it is not service connected there is a co pay, That might be the catch right there. Thank you

[runnerr]

I know it varies but for a single 56 yr old in michigan anyone have a clue to the cost of a high deductable policey?

[REWahoo]

Originally Posted by runnerr

I know it varies but for a single 56 yr old in michigan anyone have a clue to the cost of a high deductable policey?

Suggest you take a look at http://www.ehealthinsurance.com/ehi/index.htm for info. on policy cost.

REW

[uncledrz]

Originally Posted by runnerr

I know it varies but for a single 56 yr old in michigan anyone* have a clue to the cost of a high deductable policey?

the prices vary widely depending on the company and you. BC/BS will allow everyone to purchase, and thus the costs are higher, for single in the 200-250 per month for a single.

policies with insurers that screen health history, such as Golden Rule, for a single are in the 150 per month range for a single.

deductibles 5200-6000 a year, if you're in network, much higher out of network.