[Songs] welcome to medicare school daily where we aid you recognize medicare save money prevent mistakes and also most of all else get one of the most out of your medicare benefits now today'' s subject is both medicare options for professionals suggesting you'' re coming close to 65 and you offered in the army you have va benefits or you are beyond 65 however you'' re obtaining it all set to retire and you additionally have those va benefits so you'' re eligible for for va benefits and so let'' s take a look at these 2 alternatives as well as offer you several of the information bordering them leading va is not tricare permanently if you served in our nation you greater than likely are eligible for some kind of benefits via the veterans management so this suggests you served in the armed forces it might have been for six years eight years or whatever time period it was yet you served in the armed forces and incidentally we'' re grateful you did that thank you for your solution to our nation now that'' s va benefits any person who has tricare forever or champs va what does this suggest this means that you relinquished the military you really retired you place in your twenty years or 25 or three decades however long you served our nation once more we'' re grateful that you did and also the federal government gives you this tricare and after that when you'' re medicare eligible it ' s called tricare forever opportunity va would be for those that are the spouses of uh retired and even departed professionals okay so i want to ensure you'' re clear that when i talk concerning va benefits today i'' m not speaking about tricare permanently or champs of ea as well as those of you that might be enjoying this that are qualified for tricare for life or champs va my support to you is this i would if i were you i would certainly enroll in an and b just and after that what'' s mosting likely to take place is medicare an and b is mosting likely to pay initial and your champs or your tricare for life will fill up in all the spaces medicare pays first champs va or tricare forever will fill out all the staying gaps you ' ll have pretty much 100 protection and they will certainly additionally include a prescription medicine plan so as you listen to talk about additional plans benefit plans or prescription medicine plans my advice to you is put on'' t obtain any of those because'you don ' t need them there ' s no factor to pay a costs for those you actually absolutely have the finest situation right here as lengthy as you enroll in a b and also allow them pay second consisting of a drug plan you have wonderful coverage all right to ensure that ' s for tricare forever in champs va however anyone else that is eligible for va you served our nation now allow'' s most likely to the 2nd element right here do you understand your va advantages as well as eligibility for those advantages which indicates what have you filled up out the application the documents that'' s necessary had you have you had your interview and also have they established what sort of eligibility you have i imply great deals of experts who offered our nation in the in the military however they actually have actually never ever jumped via the hoops that are needed to establish precisely what their benefits and qualification uh would certainly be currently for some it'' s wonderful in truth in some cases you get 100 other times it'' s not that much and so you want to make certain put on ' t assume that you ' re eligible for va benefits till you'' ve done the process and also the paperwork that'' s necessary for them to establish that so we are presuming then that you'' ve gone through the essential paperwork as well as the procedure to establish what those are and currently you'' ve been even utilizing some of those benefits that takes us to examine number 3 are you really pleased keeping that va protection simply put you'' ve been in that system for a while and you claim yes i truly delight in and if you are pleased with that my guidance to you is this i would certainly enroll in medicare an and also b now there will certainly be some within the va system that state oh put on'' t bother with getting b pay attention i think that'' s a huge blunder as well as the factor is for this since if you get b currently you do need to pay a premium for that yet you have a great deal of insurance coverage for 144.60 a month as well as so i would certainly motivate you to get an and also b and after that what i would certainly do rather than getting like a supplementary plan due to the fact that again we'' re saying you are pleased with the va protection what i would certainly do after that is i would just get an advantage strategy these are called sea plants sea plants or replacement plants as well as the factor i would do this primary is because you can get these for absolutely no costs so you have a great deal of insurance policy by having just b costs as well as there'' s absolutely no premium on a lot of advantage plans as well as so now what you have is you have two choices you can utilize the va when you desire if you want to and then you can utilize your noncombatant choice which would be your advantage strategy due to the fact that we have va due to the fact that we served in the army yet we have benefit strategy because'we paid right into the medicare system we have our 40 quarters that ' s paid in therefore we can use this whenever we desire so you can sort of choose you have the most effective of both worlds you may desire a second point of view as well as you might desire to go to private physician for that second point of view a great deal of people that get on va have their meds covered at either eight or 9 buck copay whether they'' re pricey or low-cost 8 or 9 dollars you might have a number of extremely affordable meds on the benefit plan that will be an absolutely no costs and also so once again you you you have the advantages of that benefit prepares include some health club membership a little oral vision that might not be covered by va so once more you simply sort of choose when you wish to utilize this and also as long as we have b we can obtain that benefit plan at no charge to make sure that'' s for those of you who are pleased with the va i simply wouldn'' t obtain an additional plan in this instance due to the fact that uh to me'it ' s just a little bit way too much insurance you ' re kind of overinsured if you'' re not pleased with the va after that what i would certainly recommend you do is i'' d obtain an as well as b once again we ' ve obtained to pay that costs 140 460 right they deduct out of our social protection checks so they bill you bill us for this quarterly correct times three right here and then we obtain a supplementary plan those supplemental strategies resemble a plan f strategy or a g strategy or an in plan as well as those are a little bit different in in plan options yet the factor is this your supplementary plan is going to fill out the void so medicare pays initial and also that something little plan depending on what you buy is going to complete those voids in complete or nearly completely all right as well as the reason i would do this is because once you'' ve started your an and b something else has actually started that'' s very really important you have what is called a medigap open enrollment duration so as soon as we begin b we have six months which'' s it where we can really have any type of medicare supplemental strategy of our selecting anybody that'' s sold in our area we wear'' t as well as during this 6 months we don ' t need to medically qualify so let'' s claim i start my medicare b uh 1-1 20-21 and that'' s my b day january 1 2021 for six months i can have anything i want which implies what january february march april may june i have 6 months where the insurer have to issue that additional plan no health concerns asked however after 6 months in my example now 7-1-20-21 for the remainder of my life if i ever before intend to obtain an extra plan i have to medically certify to do that 25 wellness inquiries inspect your medications to see what you'' re being treated for get a declaration from your physician which process is necessary after our six months open enrollment duration has actually run out so from this in this example from july 2021 on now i need to medically certify therefore if you have any health and wellness problems i indicate some just a few minor ones and also certainly any major wellness issues you would never have the ability to obtain that additional strategy really for the rest of your life therefore it'' s in your best passion if you particularly have illness as well as we'' re not delighted with the va we get an as well as b we get a supplementary strategy to complete those voids all right so those are both alternatives that you have if you have va qualification to learn a lot more see the associated video clip or look into our newest video likewise make certain you click to subscribe completely free as well as obtain informed every single time we upload a brand-new video clip to watch our complete medicare workshop go to medicareschool.com and also finally when you'' re prepared to contrast all your insurance coverage alternatives as well as secure free enrollment help from one of our medicare college guides call the number on the screen see you following time
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