Daily News Updates - Health Insurance News

Hidden Dangers of Inadequate Health Insurance, Pt.3 – For those who don’t know.

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Meanwhile, back to the VA…let’s recall how it all started. Remember the promise given by the ambulance service who were liability-bound to deliver their patient to the closest able medical facility. When the victim insisted on being taken only to a VA facility for having no health insurance, the response was, “Don’t worry. We have ways of collecting money from the VA.” Of course, that attempt would be made. A request was made for the Veteran’s Administration to pay the trauma center’s remaining $10,000 claim for the non-Service-connected injury. The end result of that was, because a co-payment had been already made by ‘other health insurance’, namely the no-fault auto-“health insurance”, the claim could not even be considered by the VA.

Had there been no other ”health insurance”, the entire $18,000 and the $5,000 worth of the other claims could have been covered by the VA. All the other criteria had been met. But, because of the extremely-limited presence of no-fault auto-“health insurance”, the patient was disqualified from any help concerning any of the remain claims.

This is a prime example of the damage of having inadequate health insurance. That poor victim was far worse off than if he’d had no health insurance at all. As remote as that scenario sounds, the fact is that nearly all of the under-insured have made the effort to ‘do-the-right-thing’ by obtaining actual health insurance. One would naturally think them to be better-protected. But in so many situations, this is simply not the case. There are countless of accounts of others, that are never realized by those next in line.

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