Health insurance question

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Simple Del
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Joined: Tue Jun 03, 2014 12:04 pm
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Health insurance question

Post by Simple Del »

I separated my shoulder. It's definitely a grade 3+ and may require surgery. I feel fortunate to have healthcare through the VA that is practically free. On that note I would also like to get a second opinion outside of the VA.

Ethics aside, if I were to buy an ACA plan and get surgery and then terminate the plan the following month are there any repercussions? Thanks, just trying to explore my options without buying an obamacare plan for the whole year.
Last edited by Simple Del on Fri Dec 11, 2015 11:38 pm, edited 1 time in total.

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Ego
Posts: 6359
Joined: Wed Nov 23, 2011 12:42 am

Re: Health insurance question

Post by Ego »

Ouch. We had a crash in our cycling group a few weeks ago and one of the guys joined the separated shoulder club. Not fun. Sorry to hear it happened to you.

You might call a few orthopedic clinics in your area and ask if they offer a free initial consultation. That way you will know what you are up against. Often the cash price for a common surgery like that is less than the insurance deductible.

Did
Posts: 693
Joined: Mon Apr 01, 2013 7:50 am

Re: Health insurance question

Post by Did »

Not up on American plans but isn't that a pre existing condition? Or is that what's good about the recent changes?

From afar, it sounds problematic.

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