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Majority of debtors to US hospitals now people with health insurance

theguardian.com

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Re: Majority of debtors to US hospitals now people with health insurance

#201
post #132

Earlier quoted context omitted.

Compared to a PPO plan? Definitely has been what I’ve seen.

Distances to the VA can be far for many. It can be extremely difficult to be seen by another facility/provider. It can be difficult to get/use your benefits in general. PPOs are basically the same type of restrictions, only the facilities tend to be held to higher state standards.

A lot of veterans live in rural areas. Far more than you’d expect. Anecdotally, literally 100% of all the ones I know, but definitely not all.

If you compared normal insurance and care options where they are at (especially considering their income level) to VA care, it’s actually quite good. Especially if you know how to treat them more like an HMO and work the system.

Private rural medical care is… not great.

And usually requires a lot of travel. And unlike the VA, is rarely in a single facility.

Generally everyone bitches about it though, because that’s how the military works anyway. And yes there are often (changing) systematic issues, though they often get fixed.

Are there better options? Yes, especially if you’re high income and can afford a higher tier private plan, and/or live in a higher population density area where facilities and standards of care can afford to be higher. That is not a typical situation for most Veterans though, for many reasons. And not a typical situation for a lot of the population either.

Re: Majority of debtors to US hospitals now people with health insurance

#202

because insurance doesn't pay full amounts, and often are left with a larger bill than if you didn't have insurance due to the "insurance premiums" that are charged because they know insurance won't approve the full amount

That's what I thought too, but someone who should know told me recently that's illegal (bill more to insurance than what the self-pay amount would be). Is that true or no?

I've been told my out of pocket would be a decent amount before, so I'll hang up and a week later call back and say I don't have insurance I'm going to pay cash and I get better rates. I don't know if it's illegal or not but it has worked for me.
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