I am seriously considering pulling the plug on my current job. I am 52 and my husband is 62 so medical coverage is one of the things that has to be addressed. We are eligible for VA medical care as a result of our service although we are not retired military. Bay Pines VA hospital and local VA clinics are available near where we live.
VA medical care will be fine for regular stuff (once a year visit for a physical) but we would have no coverage if we were taken (or went) to a non-VA hospital as a result of an accident/emergency. Our car insurance could cover us if we were injured in a car accident but not if someone ran into us while walking on the sidewalk.
To resolve that issue, I applied for a high deductible policy from Assurant that would cap our expenses ($10k deductible+$7.5k out-of-pocket) and provide for contract rates if we wanted to see a non-VA provider. I was notified today we were approved at a cost of $335 per month. We started at $300 but $35 per month was added because of my chiro visits at the end of last year. My back issues were resolved when we figured out I needed a lift in my left shoe. Supposedly I can apply a year from my last chiro visit (Feb) to have the $30 extra charge removed. I'm not holding my breath.
Does this sound like a good way to deal with the lack of emergency coverage? Any other ideas? Am I worrying too much about something that may never happen?
VA medical care will be fine for regular stuff (once a year visit for a physical) but we would have no coverage if we were taken (or went) to a non-VA hospital as a result of an accident/emergency. Our car insurance could cover us if we were injured in a car accident but not if someone ran into us while walking on the sidewalk.
To resolve that issue, I applied for a high deductible policy from Assurant that would cap our expenses ($10k deductible+$7.5k out-of-pocket) and provide for contract rates if we wanted to see a non-VA provider. I was notified today we were approved at a cost of $335 per month. We started at $300 but $35 per month was added because of my chiro visits at the end of last year. My back issues were resolved when we figured out I needed a lift in my left shoe. Supposedly I can apply a year from my last chiro visit (Feb) to have the $30 extra charge removed. I'm not holding my breath.
Does this sound like a good way to deal with the lack of emergency coverage? Any other ideas? Am I worrying too much about something that may never happen?