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I Am a Veteran with Health Care Coverage from the VA System. Do I Need Medicare As Well?If you have coverage through the U.S. Department of Veterans Affairs (VA) and are eligible for Medicare, you’re not required to enroll. But you may have good reasons to do so. The VA itself strongly recommends that veterans with VA health care also enroll in Medicare Parts A and B as soon as they become eligible (unless they have group insurance from a current employer). Here’s why:
When it comes to drug coverage, there is less downside to putting off Medicare. VA coverage for prescriptions is typically less expensive than Medicare Part D drug plans, and you won’t be hit with late penalties if you lose VA coverage in the future, provided that you sign up with a Part D plan within two months of that coverage ending. However, If you have both VA and Part D drug coverage, you have the flexibility of using one or the other. This would allow you to get prescriptions from non-VA doctors and fill them at local retail pharmacies (rather than relying solely on the VA's mail-order service) and to obtain medications the VA doesn’t cover. You can apply for low-cost drug coverage under Part D’s Extra Help program if your income is under a certain level. The Medicare and VA systems are entirely separate, with no coordination of benefits between them. You would use your VA identity card at VA facilities and your Medicare card anywhere else. You'll find more information at the VA website on how VA care works with other insurance. Full article: https://www.aarp.org/health/medicare-qa-tool/does-medicare-work-with-veterans-coverage/ Personal NoteFirst, I want to thank all of my Medicare clients for the confidence you have placed in me as your Medicare broker. The world of Medicare continues to remain confusing and difficult to understand. Why? Because there are 55 million people currently on Medicare…going to over 80 million in the next 10 years. With that many people on Medicare the government must make changes to keep up and those changes can be confusing and difficult to understand. My Mission is to help you with your Medicare insurance planning all year long…Making Medicare Easy to understand! Starting March 1, 2021 I will be a regular guest on The Word on Wealth radio program on the 1st and 3rd Mondays of the month at 2pm on AM 1170 KCBQ (or FM 96.1). The host, Marty Schneider, CFP, and I will be discussing and reviewing some of the basics of Medicare as well as some of the myths of Medicare and the mistakes we can sometimes make. I will focus on the three (3) phases of Medicare:
I encourage you to call in if you have questions or comments about your Medicare or any other concerns that you may have. The radio station phone number is (888) 344-1170. I hope to hear from you! |
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