DIY Dental Plan Worksheet to see if VA-sponsored plans offer value

dental plan compare worksheet

Preventative or preventive care? Word preferences aside, no matter how it’s sliced and diced, you’re going to have to deal with annual co-payments, deductibles, and
maximum benefits as part of the dental game.
Hope this is printable.

In case you missed this post, the VA has partnered with Delta Dental and Met Life to offer dental plans to veterans beginning January 1, 2014.  The most expensive Met Life plan offers the best coverage but it costs almost as much as my monthly car insurance premium so that’s pretty crazy.  On the other hand, oral health is extremely important and until these body parts get mainstreamed into the whole body, like brains have recently (new mental health rules), we are stuck with lousy dental insurance options.

Aren’t you glad we don’t have to buy a separate insurance policy for every region of our anatomy? Foot insurance.  Knee insurance.  And so on. Or if you only be covered for ear infection every 2 years, one broken bone, every 8 years…etc. That’s the absurdity we see in the contract we call dental insurance.

I created the worksheet above for myself so I could compare the VA plans with the AARP Delta Plan and AAA Automobile Association of America (MN)   Delta dental plan.  We’re leaning towards the VA cheapest “standard” plan for $9.73 per month.    It will cover two prophylaxes (cleanings), within a 12 month period and exams and x-rays.  After reviewing his new treatment plan, he can upgrade to a better plan.   We would be spending more out-of-pocket if he had to pay 100% for these services than the premiums.

He’s already seeing a Delta Dental PPO network dentist on their list so they’ll file the claim for us and won’t “balance bill” for more than the negotiated in-network fee. Sometimes private standalone dental plans resemble cell phone plans.  You have to commit to a time period.  In the case of Delta, you must commit to the VA plans for 12-months of coverage and then you can re-enroll on a month-to-month basis.  You have to pay via required electronic funds transfer (EFT).

A reasonable online tool to estimate dental costs by region is here: http://www.bracesinfo.com/dentalcosts/

Grievances 

Can you take your dental insurance company to small claims court if they don’t pay your dentist as per contract?  First you have to read and understand your plan(s) fine print. You can’t rely on a customer service conversation or chat session for your information about your contract.  If you have dental insurance through an employer, you might be covered under ERISA. Does the VA have a similar fiduciary role in these dental contracts–to make sure the insurance companies are working in veterans’ best interests?

Although these plans, like all dental plans, are grossly deficient, the VA has taken an important first step in helping non-SC veterans and CHAMPVA dependents, get access to some basic dental care and get screened for oral cancers.  The VA will probably get a little money per veteran for the VA’s coffers too.

Update:  My DH is enrolled, via the VA’s Delta page, in the standard plan for $9.73 per month (in our zip code).  For $116.76 total premium, he can get 2 cleanings, exams, x-rays which is a reasonable charge.  The treatment plan will indicate if he should buy a more comprehensive plan later after doing some simple arithmatic.  Most importantly, he can stay with the same sanitary dental practice.  If he buys another plan, he will enjoy an extra cleaning or two.

Posted in Guest authors, HCV Health, VA Health Care | Tagged , , , , , , , , , | 6 Comments

BVA WIN–I’M #48

download (1)Wow. Talk about VA backlogs. Here it is. Hot off the presses. A red hot win… or is it? Time will tell soon enough when they begin the staged ratings.

BVA decision on earlier effective date sanitized

As we all know, semantics are everything in VAland. Thus even while you read of my illustrious win, you see the utter disgust dripping from the words of the VLJ, Mark Hindin,  at having the Office of General Counsel bushwhack his poorly reasoned legal flimflam for the denial. Nowhere is there any discussion of the seminal VAOPOGC Precedent 9-97 or 38 CFR §3.156(b) that this hinges on. Also, no explanation for the blatant assertion about my claiming to have submitted new and material evidence after the issuance of my SOC.

My NOD clearly stated I  attached the new evidence with the document. It is clearly documented in my Record Before the Agency (RBA) and there is no rebuttal of it. They merely gloss over the eight hundred lb. gorilla and move over to make room for him on the sofa.  It is clearly recorded  as to the time it occurred in my BVA hearing face to face as well. No one with a JD could possibly misconstrue this timeline unless… they just don’t like ol’ Asknod.  I think they feel I was just too smart for my britches and a little comeuppance was in order.

imagesNineteen years, five months and twenty five days ago I filed my claim. I received an icy, adversarial decision today that in essence states the Veterans Law Judge had a gun held to his head and was force to relent and grant a claim he felt was unlawful.  To wit,

“Although the parties (OGC and counsel for the appellant) left it to the Board to determine whether the Statement of the Case was sufficiently complete, the parties agreed that the Statement of the Case was sufficiently confusing and they could not see how the Statement of the Case would have permitted the Veteran to provide an appropriate response. The Board is bound by the stipulations and instructions contained in the Joint Motion.

As such, the Board is constrained to find that the January 1995 Statement of the Case did not comport with 38 CFR § 19.29, and therefore that the November 1994 rating decision did not become final. The appropriate effective date for the grant of  service connection for Hepatitis C is March 31, 1994, when the Veteran filed his initial claim and by which time entitlement had arisen.”

downloadAh, mea culpas. How sweet thy sound. Five years and  five months to get them to admit it after they finally granted in June 2008. What is amazing is the semantic sweater they are weaving to say I failed to file my Form 9 on part of this (Porphyria Cutanea Tarda)  in 2010 while I was an inpatient in the Seattle VAMC. They maintain that I am not entitled to that date back to 1994 because I failed to appeal it ( a decision not yet made in 1994) in 2010.  Sound confusing?  Or, how do you file a substantive appeal on a decision that won’t be in appellate status for another fifteen years? You’ll need to borrow a DeLorean with a bodacious Flux Capacitor to make this legal epiphany work. VA really doesn’t see the dichotomy in all this.  That’s what Adobe Acrobat is for.

By the way, Miriam Webster defines constrained  as:

con·strain

transitive verb \kən-ˈstrān\

: to limit or restrict (something or someone)

: to use pressure to force (someone) to do something

 Full Definition of CONSTRAIN
1
a :  to force by imposed stricture, restriction, or limitation

b :  to restrict the motion of (a mechanical body) to a particular mode

2
:  compress; also :  to clasp tightly
3
:  to secure by or as if by bonds :  confine; broadly :  limit
4
:  to force or produce in an unnatural or strained manner <aconstrained smile>
5
:  to hold back by or as if by force

Seems not everyone down at the BVA Ranch is all smiley faces today. There is no joy in Vermin Lane this evening. Mighty Mark has plumb struck out.

And lastly, we would not be having this discussion if not for the prodding of a woman-Cupcake. She was the enlightened one who said “Hey. Did you hear that? Charles Kuralt just said something about Porphyria Cutanea Tarda and how it’s related to Agent Orange in Vietnam.” That was April 1992. Like any normal man, I procrastinated until I went in for an Agent Orange Registry exam in September 1993. Smooth move, Exlax. Thank goodness for the significant other other in my life, Charles.

download

Posted in BvA HCV decisions, CAVC Knowledge, Tips and Tricks, Veterans Law | Tagged , , , , , , , , , , , , , , , , , | 10 Comments

THANKSGIVING FACE HUMOR

1425796_10152008625480700_514809523_nFound this on Facepage this morning. It’s the kind of thing a Vet would find amusing. Well, this Vet, anyway. Enjoy the stuffing on Thursday and think of my weird, twisted humor.

 

P.S. Here’s the best one yet:

1452391_10151867297263370_638175756_n

 

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IT’S BEGINNING TO LOOK A LOT LIKE CHRISTMAS-#47

WacoMember John who has been among us many years has finally been graced by the VA tooth fairy. It took nothing less than Virginia Girard-Brady to effect it, though. John was becoming rather disheartened after waiting for what felt like a century for the Waco RO to do his long-sought rating. You know the VA. When it comes time to cut the check they look down, stutter and scrape their feet like your prom date in your sophomore year. Getting a kiss out of them is like pulling teeth out of a live alligator-a big one. Second base might as well have been on Jupiter.

So it is with much fanfare we announce John has bearded the dragon for an 80% rating (currently) and may improve it with a well-fought Fenderson staged rating as he proceeds from here. Obviously, if he’s unemployed X 12 months, TDIU is on the table. We’ll keep you up to date as we get it from John.

downloadOddly, it took the threat of Ms. Girard-Brady to  file for an Extraordinary Writ that got them off their asses. Living proof that if you want to open a can of whoopass, write a check for $50 and proceed to Go!

Here’s his transmission.

Thanks for your advice to request a writ it help! After 7yrs 2 Appeals to the CAVC and back to the BVA not once but twice .

File Nov 2006 .First Remand from BVA April 2011 2 issues Sleep Apnea ,Major Depression . 2nd Remand to the BVA after JMR at CAVC on Jun 14 2013 for

Lumbar and Cervical injury was told Claims are all granted waiting for award letter was called by VA Waco and was Confirmed on Nov 22 2013

file a Claim in 1981 never heard anything. May you can explain this stage stuff for Lumbar spine Please thanks for all you help your book and advice

John

Shoot. I wouldn’t have missed this cat fight for all the tea in China. Way cool. Nothing like knowing you set up the perfect booby trap and got all the suckers in one blast. Win or Die indeed. Happy Thanksgiving John from the krazy krewe at Ask Nod. Yes sir. Sometimes it’s just fine to be alive..

Posted in BvA Decisions, CAVC ruling, Extraordinary Writs of Mandamus | Tagged , , , , , , , , | 6 Comments

VA FRAUD ALERT

downloadI get these ever since I made the mistake of giving them my email address. Baaaaad idea.

No_Reply@va.gov

 Nov 22 at 12:43 PM

 FRAUD ALERT: Veterans should be aware of a marketing scam targeting callers trying to reach the Department of Veterans Affairs (VA) National Call Center or GI Bill Call Center. A marketing company has established two fraudulent numbers that differ from the two official VA call center numbers by one digit. If the fraudulent number is dialed by mistake, the answering party will offer a gift card and try to obtain personal and financial information, including credit card information, from the caller. The answering party may even transfer the caller to the VA after the caller’s information is obtained. Note that VA never asks for credit card information during a telephone exchange. The numbers to be avoided are: 800-872-1000 (the VA National Call Center number is 800-827-1000) 888-442-4511 (the VA GI Bill Call Center number is 888-442-4551) VA has notified law enforcement authorities to address this situation, and will provide additional information and guidance as necessary.

 And this from our minders at VA. What? Another VA security breach? Say it ain’t so.

http://www.military.com/veterans-report/warning-va-id-cards-are-easily-scanned?ESRC=vr.nl

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BVA–RAZORS AND PERSONAL THINGS

downloadHere’s a good one from the Vacation capital of the south-Saint Pete’s. There must be more Vets per square mile there than you can count in the bars on a rainy day. He’s got AmLeg repping him but you sure can’t see their fingerprints on this one. Or, actually you can but that’s all. No physical representation as in “Yo, Johnny. You need an IMO, dude”.

Check out the excellent craftsmanship of the final IMO. Johnny Vet  was in the right place at the right time.

Risk factors for hepatitis C include shared toothbrushes or razor blades.

In this case, the Veteran has repeatedly contended that he contracted hepatitis C through exposure to one or more of the in-service risk factors identified in the aforementioned VBA Fast Letters. Specifically, he alleges that he was exposed to unsterilized air gun devices used to administer vaccinations, “infected needles” injected by medical professionals, and shaving razors contaminated with the blood of other service members. Conversely, the Veteran emphatically denies exposure to other hepatitis C risk factors, including high-risk sexual activity and intranasal and intravenous drug use.

The Board observes that the Veteran, as a layperson, is competent to report events within the realm of his personal experience. As such, he is competent to state that he was vaccinated with air gun injectors on examination prior to his entry into service. Similarly, he is competent to report having had blood drawn with needles and having shared shaving razors with his fellow airmen. Moreover, the Board finds the credibility of the Veteran’s account is bolstered by its consistency with his service treatment records, which confirm that that he received vaccinations and underwent blood tests to assess his hemoglobin, packed cell volume, and white blood cell levels. Further, the Board considers it significant that the Veteran has expressly stated that his long-term treating VA provider told him that the above risk factors were the likely cause of his hepatitis C. Though a layperson, the Veteran is competent to report what his treating provider has told him in this regard. See 38 U.S.C.A. § 1153(a); 38 C.F.R. § 3.303(a); Jandreau v. Nicholson, 492 F.3d 1372 (Fed. Cir. 2007); see Buchanan v. Nicholson, 451 F.3d 1331, 1336 (Fed. Cir. 2006) (addressing lay evidence as potentially competent to support presence of disability even where not corroborated by contemporaneous medical evidence).

So here is a good cite to go to prove your claim using a heapin’ helpin’ of lay testimony. Just make sure you’re not talkin’ through the top of your hat.

He was afforded a VA examination in August 2009. Nevertheless, as this examination was considered inadequate because it did not address all of the aforementioned hepatitis C risk factors.

the June 2011 examiner opined that it was less likely than not that the Veteran’s hepatitis C had resulted from the myalgia he incurred in service

Yeppers. It wasn’t the headache that caused the Hepatitis C. I got that one right.

However, again the examination did not adequately address the Veteran’s reported in-service risk factors. On the contrary, while the June 2011 VA examiner summarily concluded that there “was no history of in-service risk factors such as … inoculation by use of ‘infected needles as well as use of shared razors,’” she made no mention of the Veteran’s lay assertions with respect to those risk factors. As such, it was unclear whether the examiner considered the lay evidence of in-service incurrence.

The examiner again determined that the Veteran’s hepatitis C was less likely than not related to his reported in-service exposure to unsterilized air gun devices, infected needles, and sharing contaminated razors because service treatment records were silent regarding this history. However, this addendum opinion is also insufficient because the examiner again did not address the Veteran’s competent and credible lay statements regarding his in-service risk factors.

 

I can imagine that happening back in 1974. What I can’t imagine is a squad of guys looking at each other all bloody after a quick dry shave and having one pipe up “Gee, we’re all bloody and have cross-contaminated ourselves with each others’ blood. Quick!. Let us proceed poste haste to sick call to make sure it is annotated in our records for future generations to gaze on.”

This is also where it gets rich. They actually sent it out to someone who knows what he’s talking about. Worse, he was brutally honest in his assessment. Where’s the usual VA Podiatrist or  Proctologist when you’re in a pinch?

Accordingly, the Board determined that another medical opinion was necessary and referred the case for an expert opinion from the VHA in accordance with VHA Directive 1602-01. In July 2013, an opinion was prepared by a medical doctor with the Division of Infectious Disease, Hepatology, Federal Health Care Center. The examiner opined that it was at least as likely as not (50 percent or higher degree of probability) that the Veteran’s hepatitis C was related to service, specifically his reported exposure to unsterilized air gun devices used to administer vaccinations and shaving razors contaminated with blood from other service members.

The examiner observed that the Veteran’s records showed no documented history of IV drug use or blood transfusion while in service and before 1992. The examiner also noted that the Veteran had persistently denied high risk sexual practices. There was also no documented history of occupational exposure, tattoos or piercings, hemodialysis or organ transplantation. However, the Veteran reported sharing bloody shaving with other service members while in service. Based on case reports, the risk of getting infected with hepatitis C was in the range of 3 to 10 percent when mucous membrane or broken skin was exposed to infected body fluid, which was a significant risk from Veteran’s report. It was also true that these devices were used interchangeably amongst service members without sterilization. Thus, based on the Veteran’s reports of exposure and the lack of any other risk factors, the examiner opined that it was at least as likely as not that the Veteran’s hepatitis C was related to these in-service risk factors.

Sometimes they listen. Personally, I like LawBob squarepants’ description of it as VA knitting … Deny, deny, deny, Grant one. Deny, deny, deny, Grant one….

This guy lucked out. He had a handful on nothing- not even a strong suit for a flush to draw to. AmLeg wasn’t exactly a font of information on this and the weakest link was the VA examiner who was consumed by the vapors every time she got to the actual risk factor. It took two years to get her to still screw it up. Meanwhile Johnboy here has to stew in his juices waiting for someone unbiased who would say the VA (emperor) Examiner was naked.

You’ll see a lot of this if you don’t start learning about how to avoid it here.

 

 

Posted in BvA HCV decisions, Tips and Tricks, Veterans Law, VSOs | Tagged , , , , , , , , , , , , , , , , , , | 1 Comment

BVA–5CCs OF GAMMA GLOBULIN = HCV

download (3)Ooooh, baby. Now we’re hitting a thousand. Too bad this sweet thing lost her man but it shows you how to pick up the pieces when life hands you these lemons. What amazes me is how the VFW managed to shepherd this to the BVA without forgetting to file a VA 9 or if they mailed in all her filings. 

In addition, the claims file includes a March 1972 service treatment record (STR) which shows that the Veteran was given “5 cc of GG [gamma globulin] for “contact with hepatitis.” The STR does not contain any other information regarding the Veteran’s contact with hepatitis, including the details of the reported contact with hepatitis. There is also no medical evidence or opinion of record that addresses whether the Veteran’s hepatitis C is related to the in-service contact with hepatitis noted in the March 1972 STR.

Any port in a storm, right? If VFW got it done, then they deserve a warm welcome.

Posted in BvA HCV decisions, DIC, Nexus Information, Veterans Law | Tagged , , , , , , , , , , , , , , , , , , , | 4 Comments

BVA–USING THE SAME SYRINGE = HCV

download (2)

FROM THE HONORABLE

ELVIS PRESLEY VARO

IN NASHVILLE, TN

Here’s an excellent one to file under nexus. Don’t say they never did it. They did. Some medics back then rationalized that we were all healthy- or sure looked healthy- so what the hey? Let’s have a Gamma Globulin party. Line up, gentlemen. The judge went for a buzz saw buddy letter and granted the claim. It’s a start. This latest batch I’m going through are showing about a 20 % grant volume so it’s always possible to win. So much more is known about HCV now that in the 80s-2000s.

Posted in BvA HCV decisions, Nexus Information, Tips and Tricks, Veterans Law | Tagged , , , , , , , , , , , , , , , | 1 Comment

BVA–TWO DIFFERENT DISEASES

downloadHere’s the absolute latest way to deny a claim. Remember that our good old paternalistic VA is nonadversarial and loves us very, very much. Vet gets hep. Vet files for it. Vet dies from it while waiting to get claim adjudicated. Vet’s wife takes over. Vet’s wife goes to California Department of Veterans Affairs and hires Gomer Pyle to represent her. I smell trouble.

VA examiners know this is too easy- like shooting fish in a barrel. They tell her that hepatitis and gonorrhea are two different animals and you don’t necessarily get both of them together. Kinda like Blue Jays and Cardinals. They don’t much cotton to one another.

From Mrs. Johnny Vet’s decision:

As for hepatitis C, there are several risk factors recognized for contracting hepatitis, including: organ transplants before 1992, transfusions of blood or blood products before 1992, hemodialysis, accidental exposure to blood by health care workers (to include combat medics or corpsman), intravenous drug use or intranasal cocaine use, high risk sexual activity, and other direct percutaneous (through the skin) exposure to blood such as by tattooing.
The service treatment records show that in August 1966, in September 1966, and in October 1966 the Veteran complained of right upper quadrant abdominal pain. On one occasion his temperature was 99 and a gram stain was positive for gonorrhea.

In January 1967 and February 1967, the Veteran was followed for nonspecific urethritis.

In response to a VA Hepatitis Risk Factors Questionnaire he reported that he had engaged in high risk sexual activity and shared toothbrushes and razor blades during service.

In July 2012, the Board obtained an opinion from a VHA physician (expert), who is Board certified in internal medicine and infectious diseases. After reviewing the file, the VHA expert stated that it was less likely that not that hepatitis C or liver cirrhosis was related to any illness, disease, complaint, or event during military service. The VHA expert explained:

The risk of transmission by personal care items is much lower than by the commonly recognized routes of transmission such as injecting drug use, and receiving blood or blood products prior to 1987. Hepatitis C is not transmitted by casual contact or sharing of food or drinks.

Okay, hold the phone. I give. What about high risk sex and jet guns. This old boy doesn’t have a drug history. Here comes the fix.

In an addendum in January 2013, the VHA expert stated that she was not able to find any literature indicating outbreaks of gonorrhea with hepatitis C. The VHA expert explained: That the two diseases have different routes of transmission. Hepatitis C is mainly associated with transmission by contaminated needles or percutaneously by blood. After summarizing various medical studies, the VHA expert stated that: It was less likely than not that there was significantly elevated risk of contracting hepatitis C “due to gonorrhea in 1966.

Hepatitis C and gonorrhea have different routes of transmission? What? Nobody has done a study of outbreaks of Gonorrhea where there was a component of Hepatitis C involved? Well, there you go.  No evidence is definitely negative evidence.

The VHA expert stated that hepatitis C is caused by different micro-organism than gonorrhea with a different usual route of transmission. The risk of incidental sexual transmission of hepatitis C with gonorrhea would only be elevated if it took place among injecting drug users or other high risk individuals.

If  VA paid thirty pieces of silver for this crystal ballgazer then they got ripped off. On the other hand, it was cheap money as an ante to see if Jane Vet’swife take it up to the CAVC. Of course, then they can ask for a Joint Motion for Remand for an equally off the wall IMO from another bubblehead and have her doing the hamster wheel for another ten years. I’m thinking someone is finally going to say “Hey, Jane. What about a nexus letter from your doctor instead of VA’s?

I’ve seen some off the wall VA denials but this one is right up there with alien abduction and black helicopters. If you like fiction, this would be your cup of tea leaves.

VA Specialist in internal medicine and Infectious diseases

VA Specialist in internal medicine
and Infectious diseases          

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3RD QUARTER BVA DECISIONS JUST RELEASED

bva1Just noticed the BVA snuck in the third quarter decisions about two months late. Hey, it’s the congressional shutdown, right? Well, not exactly. Seems they’ve been bedeviled all year with this problem. I suppose the mere threat of a shutdown in October, mentioned in jest in March of this year was enough to give ’em the willies and make them seize up until June. Well. all’s well that ends well. I guess this means all the year-end ratings up to December 31, 2013 will appear sometime next March. If we don’t have another shutdown…

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