Ask Your VA Claims Question | Current Forum Posts | Search | Rules | View All Forums
VA Disability Articles | Chats and Other Events | Donate | Blogs | New Users
- 0
Ask Your VA Claims Question | Current Forum Posts | Search | Rules | View All Forums
VA Disability Articles | Chats and Other Events | Donate | Blogs | New Users
Question
blahsaysme2u
so wife finally using Champva. first claim processed and we get a bill in the mail. its $50 more than the doctors services tally up to.
we call champva today and they let us know this is the deductible. but this doesn't makes sense to me. i worked in the insurance field for few years dealing with medicare and medicaid along with biggies like HUMANA and BCBS etc. from what i understand the doctor bill us for about 2k. champva paid their 75% and then they added the $50 bucks on top of our 25% co-insure payments(they didnt like me calling it a copay on the phone btw...they kept correcting me saying its "cost share")
so, after we get off the call because i could see we were going no where and my wife was getting very frustrated, i did some googling just to make sure i wasnt crzy. i cant find any definition of the deductible in any of the champva info. i did however double check other insurances definitions and they all said something to the effect "pay for approved services billed at insurance allowables by the doctor up to the deductible amount and then coinsurance kicks in until max out of pocket"
so what is going on here? why is champva defining a deductible as a separate billed line item on a doctor bill, completely separate from services provided by the doctor? and who is getting this money? seems like the doctors office is? are they sending our deductible payment to champva after champva has paid our bill? this all seems so hooky!
HELP?!?!?
Link to comment
Share on other sites
Top Posters For This Question
9
4
3
2
Popular Days
Jan 13
13
Jan 12
6
Top Posters For This Question
blahsaysme2u 9 posts
Berta 4 posts
Buck52 3 posts
pwrslm 2 posts
Popular Days
Jan 13 2022
13 posts
Jan 12 2022
6 posts
Popular Posts
Berta
Maybe this will help. I get CHAMPVA. They used to send the large phamplet out by mail but stopped-I guess due to COVID and it is available at the CHAMPVA web site and full of excellent things your wif
Buck52
MY SPOUSE USE TO USE CHAMP-VA (*SHE PASSED AWAY OCT 6TH 2021) SHE USED CHAMPVA FOR THE LAST 20 YEARS AND EACH YEAR THEY HAVE A 50.00 DEDUTABLE IT COMES OFF FIRST EVERY NEW YEAR. AFTER THE 5
broncovet
Yes. Champva is a 50 dollar per YEAR deductable. I have never seen better insurance than Champva. Some of them charge a 50 dollar copay per doc visit. Most other plans are 80/20. This means
18 answers to this question
Recommended Posts
Create an account or sign in to comment
You need to be a member in order to leave a comment
Create an account
Sign up for a new account in our community. It's easy!
Register a new accountSign in
Already have an account? Sign in here.
Sign In Now