Yes, that is the issue. And yes, open ended credit cards are the norm for health care financing. Medicare and Medicaid as well as the VA. I mean it is common sense. What if you were paying for your health care with a credit card. You whip it out and pay for your physical, no problem. You have a heart attack and visit the emergency room, you whip it out again, no problem. You need triple bypass but the doctor comes in and says, "your card has been denied, so sorry".
We know what happens when government programs are funded with discretionary funding. Take financial aid for college. It is a race, every college will tell students, get that FAFSA completed as soon as possible, the money runs out. It is first come first served. Do we really want to treat our Vets that way?