So I'm a contractor with really bad insurance benefits. So bad in fact I had to drop my insurance because I would of got $1000 of coverage a year after paying in $1350 a year. (yes, I would of got less insurance out than what I paid in) I was going to go the the federal exchange and found an insurance plan for $380 a month. (I make too much many for any subsidies) I was going to bite the bullet and make my first payment when I got a VA letter in the mail about health care benefits. I never signed up for them after the Navy because I always heard that it was a terrible deal where you never saw a doctor and the facilities were crummy etc etc.
Well it was free so I signed up online, but I'm not quite sure what kind of coverage I'm getting. It says no deductibles or premiums, but I'm not seeing what it exactly covers, and how much...
You see I'm going to need hernia surgery pretty quick here and and the last time I had it, I had an insurance plan that covered about $8000 a year expenses. When talking with the doctor, they wouldn't give me a cost of the surgery, but assured my that it will be fine. After that I got hit with a $23,000 medical bill that I had to pay ~$15,000 on. I felt so scammed. (and it wiped out my insurance for the year). After that the most I could ever get from my employer was $1000 a year coverage that I had to pay more in to get and so I dropped it.
Keep in mind, due to Obamacare, if you are uninsured, you have to pay an extra $600 in taxes every year. (and that doesn't go to any insurance or anything, it's for not abiding by the mandate)
So pay $1300 a year for worthless insurance or pay $600 and not have any at all.
That why I went to the exchange, but, like I said, VA benefits looks like a much more attractive option, so what exactly am I getting and how would scheduling surgery work? How much is it going to cost? They paint it like it's some kind of free health care but the don't really say that, so what's the catch?