Insurance companies have created Medicare Advantage plans to meet the needs of our Veterans. These plans are designed to work with those who have Tricare for Life. These plans will work with any of your current VA benefits. If you already have a supplemental health plans like dental, you can keep it if you’d like or drop it to save more. It’s up to you!

Medicare will pay insurance companies to manage your Medicare benefits. When you enroll into a Medicare Advantage plan, that plan will become your primary insurance plan. These plans are approved to do so by each state’s health insurance commissioner, who is appointed by the governor.

Tricare will continue to be your secondary coverage. It coordinates benefits with the Medicare Advantage plans like it does with Medicare. Tricare for Life is a wonderful benefit for those who have served our country for more than 20 years. We applaud your service to our country!

Yes, if your spouse has Medicare Part A, Part B, and Tricare for Life, they are also eligible for these same specialized plans. Spouses with Tricare for Life often do not have VA access. In this case, additional benefits similar to the VA can also be accessed by your spouse. Even if your spouse does not have Tricare for Life, we can still counsel on a plan that’s right for their needs.

No. Medicare Advantage plans have to cover everything that Medicare covers. You will not experience a loss in coverage. The reason most elect to have a healthcare company service their Medicare over the government are for the extra benefits and savings found with these plans. Health insurance carriers want to incentivize you to select their plan by giving you more health benefits than you are getting with original medicare.

Yes you can! It is important to work with one of our trained advisors to make sure you select the right plan. Some plans can limit your doctor choices, where others will give you the same open access you enjoy today. Therefore, it is important to speak with an independent Medicare Advantage broker who represents all the plans. This way you can find the plan that’s best for you across all health plan carriers, instead of just one company’s plans.

Sincerely, there is no catch. Insurance companies can manage your Medicare dollars better than the government can, and they pass those savings onto you in the form of better benefits. Let us walk you through the process, so you can better understand how Medicare Advantage plans can be useful in navigating the healthcare landscape for those over 65, or on disability.