About half of all veterans 65 or older have Medicare coverage in addition to their VA benefits. Eligibility for VA benefits is dependent on status, service-connected disability status, income and more. It is also dependent on funding by Congress and location of facilities.
TRICARE for Life provides medical coverage for qualified military retirees that are on TRICARE and have Medicare Parts A & B. TRICARE for Life pays providers (secondary) after Medicare pays first. It generally pays the remainder if it is a TRICARE benefit.
Recipients with TRICARE for Life may also enroll into a Medicare Advantage Plan with or without prescription drug coverage for additional benefits and enhanced provider coverage opportunities. An important benefit of having both Medicare Advantage and VA benefits is that it allows the beneficiary to receive care at VA facilities and at Medicare assigned facilities. That means care where you need it conveniently and at lower cost.
VA prescription drug coverage only covers drugs at VA facilities. Medicare Part D plans only cover prescription drugs in the plans network. So, if a prescription is written by an Advantage plan provider then it will need to be reviewed and rewritten by a VA doctor to receive the prescription at a VA facility. If the beneficiary is in a nursing home, then prescriptions may need to be filled by the nursing home pharmacy which would likely require Part D prescription coverage.
Veterans may want to enroll in a Medicare Supplement Plan if they do not live neat a VA facility, would like to use other providers and hospitals or are in a lower priority group where the benefits may be lost depending on Congress and VA funding.
Joining a Medicare Advantage Plan (Just so you know, zero cost plans are available.), can add additional benefits beyond TRICARE for Life benefits. You do not lose the TRICARE benefits. You will gain the additional provider options including the Advantage Provider network in addition to Military Treatment Facilities.
Medicare Advantage Plans provide more health and wellness benefits including preventive screenings and may provide lower copayments and lower overall costs in times of catastrophic illness.
Here’s some examples of potential additional benefits with Advantage Plans in addition to TRICARE for Life potentially at zero additional cost:
- Hospital and medical charges limited to Out of Pocket Maximum
- Worldwide Emergency Care
- Free Annual Physical
- Free Bone Mass Measurement
- Diabetic Monitoring Supplies at no charge
- Vision Coverage and corrective lenses
- Hearing Coverage and Hearing Aid Allowance
- Dental Coverage in many plans
- No charge Health Club Memberships
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We have offices in Windham and Laconia New Hampshire.
We serve all of New Hampshire including Salem, Derry, Londonderry, Hudson, Nashua, Atkinson, Pelham, Plaistow, Hampstead, Exeter, Dover, Durham, Manchester, Concord and other communities.