Medicare Plans for Veterans
Medicare Advantage plans for veterans are private plans that can complement the healthcare benefits provided by the Department of Veterans Affairs, giving you additional coverage options alongside your VA care.
We can help you understand how Medicare Advantage coordinates with VA benefits and TRICARE for Life, what these plans typically cover, and whether one fits your situation.
How Medicare Advantage Works for Veterans
Medicare Advantage plans are offered by private insurance companies approved by Medicare. They include all Original Medicare (Part A and Part B) benefits, plus additional services — and are available to any Medicare-eligible veteran, regardless of your VA enrollment status.
Many veterans use VA healthcare and Medicare together, choosing whichever coverage makes sense for a given need — this gives you more options for where and how you get care.
Veteran Coverage Basics You Should Know
Works Alongside VA Benefits
A Medicare Advantage plan doesn't replace your VA benefits — it works alongside them, and you can generally continue using VA facilities as you do today.
Coordinates with TRICARE
If you have TRICARE for Life, your Medicare Advantage plan becomes the primary payer, and TRICARE typically covers much of what's left.
May Add Extra Benefits
Many plans add dental, vision, hearing, prescription drug coverage, wellness programs, and gym memberships on top of Original Medicare.
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Answer a few questions and a licensed insurance agent will follow up — no cost, no obligation.
Check to see what benefits you are missing
Step 1 of 2 — Basic Info
Eligibility
You must be enrolled in Medicare Part A and Part B and live in the plan's service area. Any Medicare-eligible veteran can enroll in a Medicare Advantage plan — it's available regardless of whether you also use VA healthcare.
Enrollment Periods
You can enroll during your Initial Enrollment Period, the Annual Enrollment Period (October 15 – December 7), the Medicare Advantage Open Enrollment Period (January 1 – March 31), or a Special Enrollment Period after a qualifying life event.
Cost Structure
Monthly premiums vary by plan, and some offer $0 premiums. You'll still see deductibles, copays, and coinsurance, but an annual out-of-pocket maximum caps what you pay in a plan year.
VA & TRICARE Coordination
If you have TRICARE for Life and enroll in Medicare Advantage, your plan becomes the primary payer. TRICARE typically steps in as supplemental coverage for much of what's left, including remaining deductibles, copays, and coinsurance.
Comprehensive Coverage
Coverage can include inpatient and outpatient care, skilled nursing facility care, diagnostic tests and surgeries, home health care, durable medical equipment, and preventive services.
Frequently Asked Questions
Speak with a Licensed Insurance Agent Today
Get help reviewing Medicare Advantage options that work alongside your VA benefits. There is no cost and no obligation.