Many veterans look at the Veteran’s Health Benefit Program as if it is health insurance. The key thing to note is that VA benefits are not considered health insurance. What this means for veterans is that the services that you receive this year may decrease next year. Congress offers no guarantee that the level of veteran benefits will remain the same or that they will even improve. The message is that if veterans qualify for other health benefits they should considered them for the following reasons:

Medicare Part A and Medicare Part B

Veterans qualify for both Part A and Part B in addition to the veteran benefits that they also receive. It makes a lot of sense for veterans to access to both health systems. A major consideration for Part B is that it costs extra. What many people do not realize is that the Medicare Program will penalize people who are over the age of 65 if they do not have adequate health coverage. In the case of Medicare Part B penalties, those fines never go away. Opting for Part B when you are first eligible can save senior veterans from paying those hefty penalties.

Another benefit of having two health systems from which to choose is that the VA might not be the best choice for all of your healthcare needs.

Not only do many veterans have to travel long distances to find a VA hospital, they may have to wait a significantly longer period of time than people who access traditional hospitals. The benefit to veterans is that they can utilize the VA system to offset costs when it is convenient to do such. The message is that Part A and Part B of the Medicare Program is beneficial for veterans who are also seniors or disabled.

What happens if You Forego Part B

Connect One Health would like to point out that Medicare Advantage Plans are equal to Part A and Part B of Medicare. What happens with Part B is that it completes the health coverage offered by Part A. If veterans forego Part B then they end up missing out on many of the benefits that Part B covers. Those include the costs of doctor visits, therapy, and other out of pocket expenses incurred by using outpatient services. Would you rather see a specialist that is local rather than wait to see a doctor at the VA? Veterans Insurance is good, but adding Part B gives veterans a lot more choices for treatment.

Choosing a Medicare Part C or Advantage plan can add even more options. Some of the advantage plans, which work like Medicare A and B, offer additional services such as preventative health services. Some may allow access to dental, hearing, and vision services too. When it comes time to choose your senior health insurance talk to Connect One Health. There are a lot of options available that can help you find the exact kind of health coverage you need to manage your health care needs.