Did you know that you can combine Medicare with your veteran’s insurance to not only receive unchanged VA benefits, but also consistent, additional, and inexpensive healthcare coverage?
What Veterans Insurance Covers On its Own
Veterans are provided with a variety of insurance options. Three of the most common plans and providers are Veterans Affairs (VA), ChampVA, and Tricare.
According to VA’s website, each benefits package is unique to the individual. Coverage, however, will include items and services that:
- Treat illnesses and injuries
- Prevent future health problems
- Improve your ability to function
- Enhance your quality of life
You can also receive benefits if they are recommended by a healthcare professional, or if you qualify for additional coverage to receive limited dental, vision, and hearing care.
VA, ChampVA, and Tricare will also offer more specific benefits such as:
- Ambulance services
- Durable medical equipment (DME)
- Inpatient, outpatient, & mental health services
- Nursing care
Veterans Insurance With Medicare
If you know anything about Medicare, you may have noticed that many of these specific benefits are very similar to Medicare Part A and Part B benefits. You may be wondering, then, what would change if you were enrolled in both at once.
The short answer is, nothing—you will not experience any negative cost increases, coverage changes, or loss of benefits if you have both Medicare and a VA plan. If you were to receive a service or benefit covered by both VA and Medicare, you get to choose which plan will cover it.
Say, for instance, you have to use an ambulance, a service covered by both VA and Medicare. Based on the cost of the service, your deductible, and how much each plan covers, you can decide which insurance plan will benefit you the most.
Medicare for Veterans—Why You Should Consider Both
Besides added flexibility and coverage, having both Medicare and VA guarantees an insured future. Having both plans, of course, means added benefits—some things covered by VA are not covered by Medicare, and vice versa. You will, then, have extra help for a lot of your healthcare costs.
Not only that, but you are also more flexible to see more doctors. Some VA plans have a limited service network—if that happens, but you still want to see that specific healthcare provider, you may be able to have it covered through Original Medicare instead, and vice versa.
However, one of the most important reasons to have both, and the reason why the VA program encourages you to have both if you’re eligible, is for security. VA benefits, unfortunately, are not guaranteed to last forever. With changing government funds and shifting laws, your VA coverage could end abruptly. With a Medicare plan to back you up, you will never experience a lack of coverage.