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Contributor ⭐
October 22, 2020

Medicare for Veteran's.

  • October 22, 2020
  • 18 replies
  • 18498 views

I have been going exclusively to the VA. What should I sign up for? Do I really need the alphabet of medicare? Will parts of the medicare packages effect my VA coverage? I am a disabled veteran for hearing and have been receiving 100% of my medical services through the VA. What won't the VA cover if I do not sign up for medicare other than part A?

Thank you,

John

    18 replies

    EliteInsPartners
    Contributor ⭐
    October 22, 2020

    You should enroll in Part A since it's premium-free and will allow you to get coverage at a non-VA hospital. Part B is not considered creditable coverage, so the VA does recommend you enroll so you're not penalized in the future and again, can get coverage at a non-VA doctor. This article breaks it down.

    MarkL413231
    Contributor ⭐⭐
    August 5, 2021

    Oh no you're right, I will definitely signup for a Medicare Part A.  My lengthy discertation is more about the Veterans that can't afford to signup for a Medicare Part B and reasons why I think that the law should be changed to consider VA Healthcare creditable coverage for Medicare Part B.  If people want to see a change, they can do what I did and write their congressional representatives for their state and district.  

    ReTiReD51
    Contributor ⭐⭐⭐
    August 6, 2021

    @MarkL413231 

     

    “My lengthy dissertation is more about the Veterans that can't afford to signup for a Medicare Part B…” @MarkL413231 

     

    I totally understand your point about VA healthcare coverage not being considered creditable coverage for Medicare part B.

     

    But as far as needing help with Medicare premiums there are at least 4 or 5 programs available that I’m aware of for veterans and nonveterans to get assistance in paying Medicare premiums.

     

    Every state has their own established Medicare “extra help” program with income limits and qualifications that vary from state to state.

     

    Every state has a Senior Health Insurance Information Program (SHIIP). It’s funded by congress and free to use.  Usually, they are part of your states Department of Insurance. They are unbiased and do not sell you insurance. SHIIP employees and volunteers specialize in Medicare issues and can answer most all your questions and assist you in applying for extra help with Medicare. They also employ veterans’ healthcare specialists.
    https://www.shiphelp.org/#.html

     

    An individual can contact a number of places to see if they qualify for Medicare “extra help”.

     

    GailL1
    Community Champion ⭐⭐⭐
    October 22, 2020

    The VA does encourage you to sign up for Medicare - Part A (premium free for most people), Part B can also be also be advantageous as well as Part D. (both will have premiums unless you have very low income) 

    The VA healthcare system does not bill Medicare for anything.  But having your Medicare coverage can open other medical doors to you if need be -

     

    Reasons:

    • We don’t know if Congress will provide enough funding in future years for us to provide care for all Veterans who are signed up for VA health care. If you’re in one of the lower priority groups, you could lose your VA health care benefits in the future.
    • Having Medicare means you’re covered if you need to go to a non-VA hospital or doctor—so you have more options to choose from.
    • If you delay signing up for Medicare Part B (coverage for doctors and outpatient services) and then need to sign up later because you lose your VA health care benefits or need more choice in care options, you’ll pay a penalty. This penalty gets bigger each year you delay signing up—and you’ll pay it every year for the rest of your life.
    • If you sign up for Medicare Part D (coverage for prescription drugs), you’ll be able to use it to get medicine from non-VA doctors and fill your prescriptions at your local pharmacy instead of through the VA mail-order service. There’s no penalty for delaying Medicare Part D.

    You will need to choose which benefits to use each time you receive care.

     

    To use VA benefits, you’ll need to get care at a VA medical center or other VA location. We’ll also cover your care if we pre-authorize you (meaning we give you permission ahead of time) to get services in a non-VA hospital or other care setting. Keep in mind that you may need to pay a VA copayment for non-service-connected care.

     

    If you go to a non-VA (or VA authorized) care facility, Medicare may pay for other services you may need during your stay. Or, if we only authorize some services in a non-VA location, then Medicare may pay for other services you may need during your stay. Check your Medicare plan, so you know which care locations and services you’re covered for.

     

    VA Health Care and Other Insurance 

    IT‘S ALWAYS SOMETHING . . . . .. . . . Roseanne Roseannadanna
    MarkL413231
    Contributor ⭐⭐
    August 3, 2021

    You know what I don't get?  The ACA considers VA Healthcare benefits as creditable coverage; but, Medicare Part B does not.  VA Healthcare is creditable coverage for Medicare Part D.  What this means for the Veteran enrolled in VA Healthcare, if they don't sign up for a Medicare Part B during that initial seven month enrollment period, the Veteran could incur a 10% penalty and that penalty can compound 10% for ever year delay.  What if there were no penalty for Veterans enrolled in VA Healthcare?  Let's examine the arguments for having Medicare other than the penalty.  If I had group health insurance at 65, I wouldn't incur that penalty for what is it up to 8 months after leaving the job.  If Congress suspended funding for the VA Healthcare program, why couldn't I be allowed to sign up for Medicare Part B.  Thanks to the Mission Act, I can go to a non-VA facility if there doctor can't see me in a 20 day period.  I can go to urgent care without approval or the ER in an emergency, I just need to let the VA know.  Last year, I got my flu shot at a local non-va pharmacy.  If I don't use the VA pharmacy, I can pay a small fee to get my prescriptions from select non-VA pharmacy, approved by the VA.  More to the point, there are no Monthly premiums, out of pocket maximums before coverage kicks in 100%, or donut holes like with an Medicare Advantage Plan that include prescription drugs.  And if someone had rriginal Medicare A, B, D, supplemental, monthly costs add up.  I've written my congressman.  Would AARP advocate for such a change to Medicare rules to consider VA Healthcare creditable coverage?

    GailL1
    Community Champion ⭐⭐⭐
    August 3, 2021

    @MarkL413231 

    Simple answer - Medicare Part B covers cost for physician services, outpatient hospital care, and home health care that Part A does not pay for.  It also covers:  physical, speech, and occupational therapy, second opinions, certain drugs administered by a doctor, and some durable medical equipment among other things.  Depending upon the type of Medicare one picks, it is covered the same way.

     

    Because of the way the VA healthcare system works in who's covered and how, where the coverage takes place including the community care option, it is NOT considered credible coverage by Medicare.  The VA system can prioritize who gets what, for how much and where.

     

    Not this way in the VA prescription drug coverage - it is not prioritized - thus the VA prescription drug coverage is credible coverage for Medicare.

     

    Because Medicare Part B is a beneficiary premium based funded program - A separate Medicare SMI TRUST FUND - the whole part works when everybody eligible pays premiums or if one is late signing up - the premium + the forever penalty to catch up on what one may owe the program in back pay, so to speak.

    Premiums from beneficiaries cover about 25% of the Part B program - the government out of the general fund covers about 75% of the cost of the program.  

    Of course, considering the SS "hold-harmless" clause and the (if applicable) annual COLA.

     

    By using your rationale

    Why should a Veteran ever have to pay into the Medicare Part A system via payroll taxes while working in their younger years?

    Or why should an employer even offer Veterans coverage if they can sign up for the VA Healthcare system?

    The VA system isn’t just for the old – it is for any person that qualifies via their service designation and priority level.

    But it can change because it is a program that is dependent on Congressional budgeting and in that regard - the VA has to have some options for prioritizing care cost by specific groups - groups that are based on need and income - and thus associated cost for certain services, and now where that service may be provided under some conditions.

     

    You don't have to sign up for Medicare Part B if you are enrolled in the VA health care system - you can just take your chances.  But it is for your benefit, regardless of the Mission Act including the community care provisions.  By taking Medicare Part B when 1st eligible, the Veteran can expand their options of care especially with their choice of providers and coverage especially for those non-service connected health concerns.  Then the Veteran can pick and chose the benefits (Medicare or the VA) that are the best for them by using whichever coverage is the best for their care at the time.

     

    Just like any other insurance, one needs to pick the plan that is best for themselves and their healthcare needs. 

     

    Watch using those outside urgent cares or any other allowable care under the VA system - they have to be within their network of outside providers.

    VA Community Care  

     

    Yes, Walgreens, I believe is a provider of VA community care like immunizations.

     

    If you are on maintenance meds which are covered generically under the VA formulary  - try the VA Meds-by-Mail - FREE.

     

     

    IT‘S ALWAYS SOMETHING . . . . .. . . . Roseanne Roseannadanna
    somarco
    Contributor ⭐⭐⭐
    October 22, 2020

    @Graduate2010 some of this reply will overlap the reply by @GailL1 and some will enhance what she posted. Put the two together and you should have a good picture of the way Medicare and VA benefits work.

     

     

    If you have or can get both Medicare and Veterans’ benefits, you can get treatment under either program. Generally, Medicare and VA can’t pay for the same service or items. Medicare pays for Medicare-covered services or items. Veterans’ Affairs pays for VA-authorized services or items.

    When you get health care, you must choose which benefits to use each time you see a doctor or get health care.

     

    Note
    To get the U.S. Department of Veterans Affairs (VA) to pay for services, you must go to a VA facility or have the VA authorize services in a non-VA facility.

     

    If the VA authorizes services in a non-VA hospital, but didn’t authorize all of the services you get during your hospital stay, then Medicare may pay for the Medicare-covered services the VA didn’t authorize.

     

    For active-duty military enrolled in Medicare, TRICARE pays for Medicare-covered services or items, and Medicare pays second

     

    For inactive-duty military, Medicare pays first for Medicare-covered services and TRICARE may pay second.

     

    TRICARE pays first for services or items from a military hospital or any other federal provider

    https://www.medicare.gov/supplements-other-insurance/how-medicare-works-with-other-insurance

     

    In the FWIW department, I helped a Vet secure coverage earlier today. He is turning 65, has A & B and has used the VA for a dozen+ years for primary and specialty care as well as Rx.

     

    Due to COVID most of his VA "appointments" are virtual and he wants the ability to see providers in person, in the private sector in lieu of using the VA teleconference system. He has a number of health issues, compounded even more by a recent stroke. Virtual appointments are not his friend.

     

    He selected a Medicare supplement plan which, in conjunction with original Medicare, allow him unfettered access to health care. No networks, no referrals, no pre-authorization.

     

    The supplement plan limits his OOP to the Part B deductible.

     

    He also opted for a low premium ($7) PDP so he can use a retail pharmacy when needed. Most of his med's (including insulin) are SHIPPED to him by the VA clinic. VA filled Rx has very low copay's, especially for insulin.

     

    He isn't my only VA/Medicare client, just the most recent one, and his situation is not unique.

     

     

    One more thing . . .

     

    Medicare A or B IS creditable coverage however the following are NOT creditable if you are applying for Part B outside of your IEP.

     

     

    Examples of Coverage that is NOT Creditable Under Medicare
    TRICARE
    Veterans Benefits
    COBRA
    CHAMPVA
    Retiree plans
    FEHB

     

    One curious side note, while COBRA is not creditable coverage when applying for Part B it IS considered creditable if you are applying for Part D.

    Bark less. Wag more.
    GailL1
    Community Champion ⭐⭐⭐
    October 22, 2020

    Whoever said that DETAILS weren't IMPORTANT !!!

    Thanks for the added info - I will file it in my brain under VA/Medicare and other stuff

    IT‘S ALWAYS SOMETHING . . . . .. . . . Roseanne Roseannadanna