[Songs] welcome to medicare school daily where we help you comprehend medicare conserve money prevent mistakes and also most of all else get one of the most out of your medicare advantages currently today'' s subject is both medicare choices for professionals meaning you'' re coming close to 65 as well as you served in the army you have va advantages or you are past 65 but you'' re obtaining it all set to retire and also you likewise have those va advantages so you'' re eligible for for va benefits therefore let'' s look at these 2 choices and also provide you several of the details surrounding them leading va is not tricare for life if you offered in our country you even more than likely are qualified for some type of advantages with 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 however you offered in the army as well as incidentally we'' re grateful you did that thank you for your solution to our nation currently that'' s va benefits anyone that has tricare for life or champs va what does this suggest this suggests that you relinquished the armed forces you really retired you place in your twenty years or 25 or three decades nonetheless long you served our country again we'' re happy that you did and also the federal government gives you this tricare and after that as soon as you'' re medicare eligible it ' s called tricare for life possibility va would be for those that are the spouses of uh retired or also dead professionals all right so i wish to ensure you'' re clear that when i discuss va benefits today i'' m not discussing tricare permanently or champs of ea and those of you that might be watching this that are qualified for tricare forever or champs va my encouragement to you is this i would certainly if i were you i would register in an as well as b only and after that what'' s mosting likely to happen is medicare an as well as b is mosting likely to pay initial as well as your champs or your tricare forever will fill out all the spaces medicare pays very first champs va or tricare permanently will fill in all the remaining voids you ' ll have quite much 100 protection and also they will certainly also include a prescription medication plan so as you listen to talk concerning supplemental strategies benefit strategies or prescription drug strategies my suggestions to you is wear'' t get any of those due to the fact that'you wear ' t need them there ' s no factor to pay a premium for those you actually genuinely have the very best circumstance right here as long as you enlist in a b and also let them pay second consisting of a medicine plan you have wonderful protection all right to ensure that ' s for tricare forever in champs va yet anyone else that is qualified for va you served our nation currently let'' s go to the second element here do you know your va advantages and eligibility for those advantages which implies what have you completed the application the documents that'' s necessary had you have you had your interview and have they identified what sort of eligibility you have i suggest great deals of professionals who offered our nation in the in the army yet they actually have actually never ever jumped via the hoops that are required to identify precisely what their benefits and qualification uh would certainly be currently for some it'' s wonderful in truth sometimes you obtain 100 other times it'' s not that much therefore you want to make certain put on ' t think that you ' re eligible for va advantages till you'' ve done the process and also the paperwork that'' s essential for them to establish that so we are thinking then that you'' ve experienced the essential paperwork and the process to determine what those are as well as currently you'' ve been also using some of those benefits that takes us to examine number three are you really delighted keeping that va coverage to put it simply you'' ve remained in that system for some time as well as you say yes i truly delight in as well as if you are pleased keeping that my suggestions to you is this i would certainly sign up in medicare an and also b now there will be some within the va system that claim oh wear'' t bother with getting b listen i think that'' s a significant blunder and also the reason is for this since if you obtain b currently you do need to pay a premium for that however you have a great deal of insurance coverage for 144.60 a month and also so i would motivate you to get an as well as b and after that what i would do as opposed to obtaining like an extra strategy since once more we'' re saying you are pleased with the va coverage what i would do after that is i would certainly just get an advantage plan these are called sea plants sea plants or substitute plants and also the factor i would certainly do this primary is since you can obtain these for zero premium so you have a great deal of insurance policy by having just b premium and also there'' s no costs on many advantage plans therefore now what you have is you have 2 choices you can make use of the va when you want if you intend to and afterwards you can use your noncombatant option which would certainly be your benefit plan because we have va because we served in the military yet we have benefit strategy due to the fact that'we paid into the medicare system we have our 40 quarters that ' s paid in therefore we can use this whenever we want so you can kind of decide on you have the ideal of both globes you might desire a 2nd point of view and you might intend to most likely to private doctor for that 2nd opinion a great deal of people that get on va have their medications covered at either 8 or nine dollar copay whether they'' re expensive or cheap eight or 9 bucks you may have a pair of very economical medications on the advantage strategy that will be a no costs therefore again you you you have the benefits of that advantage intends include some health club membership a little oral vision that may not be covered by va so again you just sort of pick when you intend to use this and also as long as we have b we can obtain that benefit plan at no charge so that'' s for those of you that are pleased with the va i just wouldn'' t get an extra plan in this circumstances since uh to me'it ' s simply a bit excessive insurance policy you ' re sort of overinsured if you'' re not pleased with the va then what i would certainly suggest you do is i'' d obtain an and b once again we ' ve reached pay that premium 140 460 right they subtract out of our social safety and security checks so they bill you bill us for this quarterly correct times three here and after that we obtain a supplemental plan those supplementary strategies are like a plan f strategy or a g strategy or an in plan and those are a little various in in plan choices but the factor is this your extra strategy is going to complete the space so medicare pays initial which something little plan depending on what you purchase is mosting likely to fill out those voids completely or virtually completely okay as well as the factor i would certainly do this is because when you'' ve began your an as well as b something else has begun that'' s really very vital you have what is called a medigap open enrollment duration so once we begin b we have 6 months which'' s it where we can actually have any kind of medicare extra strategy of our selecting any person that'' s marketed in our area we wear'' t and also during this six months we wear ' t have to medically certify so let'' s say i begin my medicare b uh 1-1 20-21 as well as that'' s my b date january 1 2021 for six months i can have anything i desire which means what january february march april may june i have six months where the insurer have to issue that supplemental strategy no wellness questions asked but after 6 months in my example now 7-1-20-21 for the remainder of my life if i ever intend to obtain an additional strategy i have to clinically certify to do that 25 health questions check your medications to see what you'' re being treated for obtain a declaration from your physician which process is essential after our six months open enrollment period has actually ended so from this in this instance from july 2021 on currently i need to clinically qualify therefore if you have any type of health and wellness concerns i imply some just a few minor ones and certainly any kind of major health and wellness problems you would never be able to obtain that supplementary plan really for the rest of your life as well as so it'' s in your benefit if you particularly have health issue and also we'' re not satisfied with the va we get an as well as b we obtain a supplementary strategy to load in those spaces all right so those are the two options that you have if you have va eligibility to find out more watch the associated video clip or have a look at our latest video also be sure you 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