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  • Can a 100 percent Disabled Veteran Work and Earn an Income?

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    You’ve just been rated 100% disabled by the Veterans Affairs. After the excitement of finally having the rating you deserve wears off, you start asking questions. One of the first questions that you might ask is this: It’s a legitimate question – rare is the Veteran that finds themselves sitting on the couch eating bon-bons … Continue reading

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DrBarbae

Extra insurance for 100% disabled and self-employed?

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Moderators, please put this post in the correct the correct forum category if it's not in the right one.

Long-time lurker, but I seldom post. So this is a bit of a reintroduction.

I'm 42 years old, 100% disabled permanent and total, have no dependents, but I am self-employed. After a several-year fight with a VA over multiple sclerosis and service connection, I finally got the results that I was looking for. Meanwhile, I had a career shift from working in Iraq and Afghanistan as a contractor, and now I'm a self-employed in real estate. As with most things that are entrepreneurial, there is no guide book. And health insurance is expensive, and I'm not really sure where to start, and don't want to do something that's not in my best interest. My claim was hard enough to put together, and I don't want to screw things up.

Of course I understand I receive the pension money each month, but as far as medical care, I don't think I am 100% covered for anything that may happen to me for non-service connected disabilities. For example, emergency service if I'm in a car accident that requires going to a non VA hospital, or being covered while traveling internationally, there are so many contingencies that I believe that it would probably behoove me to have extra insurance. Sometimes it just comes down to avoiding a hassle even if at the end of the day the VA will cover me.

Also, I do have a bit of a worry that something that may come up while receiving routine care from the VA will trigger another c&p exam, I would rather not have to deal with that. I am approaching the 10-year mark of being 100% disabled, so I believe everything is locked in at that point.

There has to be a few other self-employed people out here that are also and a similar condition, as a hundred percent disabled. What do you do?

Thanks for the help!

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Of course, that choice is up to you.  For the most part, I have not gotten insurance, and, when I get sick, I go to the VA.   If you do go to an emergency room other than VA, be sure to follow their rules.  https://www.va.gov/COMMUNITYCARE/programs/veterans/emergency_care.asp

More recently, however, I got 65 and decided to get Medicare Part B (medicare advantage plan)  also.  Its about 124 bucks or so per month.  

I get the insurance, even with VA, because I dont "have" to go to VA if I think their care is inferior.  I go to a private doc who accepts my medicare advantage, humana.

However, so far I have been on humana about 8 months and have yet to see a private care doc.  I may do so in the very near future, tho.  

Some VEts think the VAMC is the best thing since sliced bread.  Others wont set foot inside a VAMC.  And, every where in between.  

You basically need to decide which is more important: 

1.  The money for insurance.  Private insurance for self employed could get very expensive.  1000 per month, or more.  Get a quote if you like.  

2.  The flexibility of not "having" to go to the VAMC, but to any private doc that accepts your insurance.  

     For me, it was about money.  I wasnt spending 1000 per month, I just went to the VA when I got sick.  But, 124 per month is more affordable and I decided I think its worth that, tho its possible I may drop humana medicare part b, if I find its not worth it.   

Edited by broncovet

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