From Florida Blue
If you’re a veteran, you’re probably familiar with the comprehensive healthcare benefits provided by the Department of Veterans Affairs (VA). However, you may not realize that a Medicare Advantage plan can complement your VA benefits, providing additional coverage and flexibility. Here are three reasons why you should consider a Medicare Advantage plan:
Reason 1: Broader coverage for your care
The VA primarily covers service-connected conditions, leaving you to pay out-of-pocket for non-service-connected care. A Medicare plan can help fill this gap by covering a broader range of medical services, including non-service-connected conditions. This ensures you have comprehensive coverage for all your health care needs.
Reason 2: Expanded provider network and flexibility
The VA has a limited network of providers which may not include your preferred doctors or specialists. A Medicare plan can expand your network of medical professionals, giving you more choices for care. Additionally, many Medicare plans offer flexibility in terms of provider selection, allowing you to see any doctor who accepts Medicare. In addition, many of the doctors, specialists, and hospitals are close to home, meaning less travel and hassle.
Reason 3: Additional benefits and services
Many Medicare Advantage plans include additional benefits and services that may not be covered by the VA, such as:
- Preventive and comprehensive dental coverage
- Hearing tests and hearing aid coverage
- Telehealth care services
- Caregiver support programs
- Fitness benefits
- Vision screening and annual allowances for lenses, frames, or contacts
- Allowance for over-the-counter health items, like aspirin or vitamins
By combining your VA benefits with a Medicare Advantage plan, you can enjoy these additional benefits and services, enhancing your overall healthcare experience without sacrificing any earned benefit.
What to look for in a Medicare Advantage plan
If you are interested in complementing your VA coverage with a Medicare Advantage plan, here are some things to consider:
- Look for a plan that doesn’t include Part D prescription drug coverage: If you already receive prescription benefits through the VA, you may want to avoid paying extra for a benefit you probably won't use.
- Part B premium giveback: Some plans offer a monthly Part B premium giveback, helping to reduce your out-of-pocket costs.
- Additional benefits: Look for plans that include additional benefits, such as vision, hearing, and dental care, and allowances for over-the-counter health items. Extra perks, like caregiver support programs and fitness memberships, can also be helpful.
- Provider network: Choose a plan with a large network of providers, including those within and outside your local area.
Make an informed decision
Medicare’s Annual Enrollment Period (AEP) kicks off on October 15 and runs through December 7. During this period, Medicare-eligible veterans have the opportunity to review and adjust their healthcare coverage for 2025.
Before making a decision, it’s important to understand how a Medicare Advantage plan will interact with your VA benefits. Consider talking with a licensed insurance professional to determine the best option for your specific situation.
In addition, Florida Blue has Florida Blue Centers across the state. Anyone who has questions about their Medicare coverage or needs help finding the best plan can call 1-877-352-5830 or visit a Florida Blue Center for in-person assistance. More information is available at FloridaBlue.com/Center.
