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Champva

john999

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JR Reihs Mentor

JR Reihs

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john.

I do not think there is a regulation for any provider to accept any type of insurance, other than Medicare, ChampVA is very good,if you are having problems finding a provider to accept it, you may need to educate them, or have them call the 800#, most are suprised to find how good it realy is.

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Pete53 Grand Master

Pete53

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If ChampVA is primary you need to let the Doc know that it pays same as Medicare.

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john999 Grand Master

john999

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ChampVA is secondary to my wife's BC/BS. So far Champ has paid nothing as secondary payor. I have claims that are 7 months old that I cannot get resolved because I cannot communicate with ChampVA except by letter. It is also the hospital's fault but that leaves the vet and spouse running from piller to post trying to get someone to do the right thing.

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Pete53 Grand Master

Pete53

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John:

Email the bastards and ask them to call you or spell out your problem.

Pete

hac.webmaster@va.gov <hac.webmaster@va.gov>

Excuse me being cranky I had the same problem years ago and my frustration is whth ChampVA for not being helpful.

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spike Proficient

spike

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question i expect to get i/u and i heard you get champva how does that work for your dependents. the other thing is, please prepare us on what problems we will have with them. sounds like there is a correspondence/contact problem....dreading this.

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john999 Grand Master

john999

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Pete

Being that ChampVA is the secondary insurance for my wife that is the crux of the problem. ChampVA won't pay until BC/BS pays. Months go by with me calling the providers and BC/BS over and over to see if ChampVA claims have been sent it or not. I will email them and ask about the status. I called the automated line and they do not acknowledge the claims. I understand they are good as secondary payers for medicare but not for other insurance I can tell you.

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JR Reihs Mentor

JR Reihs

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John

hate to see this going on, i guess we are lucky, so far we have not had a problem.

Go over their head to get it fixed....i think your congressman would be enough.

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john999 Grand Master

john999

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JR

Fortunately we have good primary insurance but ChampVA has been a bust as a secondary. I took my stuff to the congress person and they just parroted back to me what ChampVA told them which was a lie. I had a good congressman but he retired and now I have to educate the new aides. They are so dumb they take what VA tells them as the truth. I had thought that if ChampVA coordinated well with my BC/BS my wife would have a tiny co-pay and deductible but that was a dream.

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Cavman Experienced

Cavman

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Is Medicare and Champva enough insurance coverage or do you think I need to keep paying to stay on wife`s policy from her job? We would like to use that money for something else.

Cavman

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JohnM Rising Star

JohnM

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Is Medicare and Champva enough insurance coverage or do you think I need to keep paying to stay on wife`s policy from her job? We would like to use that money for something else.

Cavman

Cavman, this is a good question, I have been trying to get an answer to this myself but so far no such luck, right now we are on John's HMO policy from work and next Feb. he will be able to get medicare I am thinking that we will take a supplementry policy out for us then, just to be on the safe side. This year our insurance cost us 8 thousand and although it is worth it if anything should really happen I believe with John's VA and me having ChampVa a supplement would be sufficent along with medicare. I have plenty of time yet so if I find anything out differently I will for sure let the board now. Right now I am just applying for the ChampVA.

Question on applying for it, does anyone know if you send all the paper work from application to meds to one place and all of them together. or do I need to wait on the meds?

Question on filling out the OHI form. I have been trying to fill this out on line and then printing it but for some reason it says if it scolls it will not print does any one know how to get this printed out after you have it filled? I think printing is better than writting it in. I had my daughter-in-law do it at work and she to had problems getting it printed out.

Thanks

Dianne, JohnM's wife

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john999 Grand Master

john999

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After my experience with ChampVA I have to wonder about them. I am not going to terminate my BC/BS and that is for sure even though I have medicare. I was shocked that it is almost impossible to call and talk with anyone at ChampVa if you have a problem. I can talk to a human being at BC/BS in a few minutes and find out everything that has happened yet for some reason I have a 45 minute wait at ChampVA. This to me smacks of a program that is trying to discourage people from using the service. I would not give up my private insurance if I could help it if it good. I understand that ChampVA is supposed to be a good secondary for medicare but you must find a provider that will accept ChampVA unless you want to file the claims yourself.

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Pete53 Grand Master

Pete53

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ChampVA and Medicare works like a dream/ After a 50 dollar co-pay everything my wife does costs us nothing. Last year Champva paid out 4000 for meds and procedures..

If the VA would offer me ChampVA I would rake it and move on from VA care completely.

I have Medicare and Secure Horizons which has worked well for me. Its a Medicare HMO but limited to some big cities in Texas and California I think.

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spike Proficient

spike

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I was at the Buffalo Hospital at the VSC and they indicated that ChampVA is only for dependents and that means you cant use it for secondary IMOs outside the VA and it only goes until they hit full retirement age of 65. Once your eligible for Medicad or Retirement. It affects ChampVA anyone hear anything to validate this/?

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Guest jangrin

Guest jangrin

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I believe that since the hospitals have to take anyone who comes through thier doors for treatment (insured or not) that they too would take ChampVA whether they like it or not.

Most insurance companies maintain a provider list, even Medicare where a person can find who takes the specific insurance. Does ChampVA have a provider list (maybe on-line)?

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Pete53 Grand Master

Pete53

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ChampVA is actually pretty good insurance and pays on par like Medicare which they all take. As Rich mentioned it lasts for life. In my opinion ChampVA plus Medicare is the Cadillac of Insurance. Its prescription coverage allows the insured to choose generic or brand and does not have a formulary.

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JohnM Rising Star

JohnM

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ChampVA is actually pretty good insurance and pays on par like Medicare which they all take. As Rich mentioned it lasts for life. In my opinion ChampVA plus Medicare is the Cadillac of Insurance. Its prescription coverage allows the insured to choose generic or brand and does not have a formulary.

I just filled out the paper work this week but before mailing it I called, the gentelmen was very nice to talk with. I had questions on my HMO and and renewing it, talked to him about nursing homes. His reply was if I have medicare and champva that's all I would need, and if I could find an insurace co. that would cover for nursing homes then I should snap that one up otherwise I should not need any other insurance.

Although champva does not cover nursing homes.

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