Medicare enrollment with VA benefits

Do You Need Medicare if You Have VA Benefits?

Medicare Part A (Hospital Insurance)

It is encouraged to enroll or keep your Medicare Part A coverage in addition to your VA benefits. You usually don't pay a monthly premium for Medicare Part A, sometimes called "premium-free” Part A, if you meet the eligibility requirements.

Medicare Part B (Medical Insurance)

Medicare Part B can provide you with medical coverage and services outside of the VA health system. Therefore, it is recommended that you enroll in Medicare Part B in addition to your VA benefits. If you wait to enroll in Part B when you are first eligible, you will likely experience gaps in coverage and incur a penalty

Part C (Medicare Advantage)

Medicare Advantage plans offer additional coverage, like vision, hearing, dental, prescription drug coverage, and/or health and wellness programs. These services are usually offered through your VA benefits too, however, a Medicare Advantage plan might be a better choice depending on the facility locations and your travel needs.

Part D (Prescription Drug Plans)

With VA health benefits, you typically get premium-free drug coverage. However, if the VA-approved pharmacy locations or the Consolidated Mail Outpatient Pharmacy Program (CMOP), doesn’t work for you, then you may consider a Part D prescription drug coverage.

Medicare Supplemental (Medigap)

When you sign up for Medicare during your six-month initial enrollment period, you have the option of purchasing a Medigap policy to help supplement the portions of your medical bills that Medicare doesn't pay, such as deductibles and copayments.

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Daniel Vujinovic
Daniel - Senior Agent

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