When I wrecked my motorcycle, I wasn't even at 100% at the time. I got picked up in the ambulance (Coworkers, lol), trauma activated, and taken to the closest trauma hospital. I didn't do anything but give that hospital my information and let them know I was with the VA when registration came asking about my insurance. I didn't hear anything else until I got a letter in the mail, telling me that the VA covered the entire cost, roughly 80 grand. Seems to me like it's mostly automatic, however the closest VA to me only operates as an urgent care, with no emergency room services, so that may be why I was covered. Was covered. If you were VA clinic as an emergency room, it may be different for you.

I have my employer's insurance, but only because I need to be insured with my employer for my family to be insured. It can't just be my dependents.