When to Consider Medicare if You Have VA Health Benefits?

Hey there! I know you’re probably sitting back with a cup of coffee, trying to wrap your head around the whole “Medicare thing.” You’re a veteran, you’ve got your VA health benefits, and life’s been good so far—but now you’re wondering: “When should I start thinking about Medicare?”

Great question! You’re not alone—many veterans have the same question. Let’s chat about it and clear up the confusion. Trust me, it’s not as complicated as it seems, and I’ll walk you through everything you need to know, step by step.

The Big Question: When Should You Start Thinking About Medicare?

Okay, let’s get down to it. You should start thinking about Medicare about 3 months before you turn 65. I know, I know. It feels like you’ve got plenty of time, but trust me—those months will fly by!

Here's why: Medicare is available to everyone once they hit 65, but the enrollment window is only open for a limited time. This “Initial Enrollment Period” lasts for 7 months—starting 3 months before your 65th birthday, the month of your birthday, and 3 months after. This means that waiting too long to think about Medicare can lead to penalties, missed opportunities, and a lot of confusion down the line. No one wants that, right?

But Wait, I Have VA Health Benefits—Do I Really Need Medicare?

This is where a lot of veterans get stuck. You’ve got your VA benefits, which offer great coverage, so why even bother with Medicare? Here’s the deal:

Medicare complements your VA benefits. They work together, but they’re not the same thing. The VA provides health services through VA facilities, but Medicare offers a lot more flexibility.

• Medicare gives you access to civilian providers. So, if you live far from a VA facility or need a specialist that the VA doesn’t offer, Medicare gives you the freedom to choose your own doctors and hospitals.

• Medicare covers emergencies. If you're out of town or need urgent care, Medicare has your back when VA facilities aren't around.

What Should You Do Next?

You might be thinking, “Okay, I get it—but how do I know which Medicare plan is best for me?” I’m glad you asked! Here's what to do next:

1. Start by understanding your options.
   Medicare comes in four parts:

   • Part A covers hospital care (usually free if you’ve worked and paid Medicare taxes).

   • Part B covers medical services (you’ll pay a premium for this).

   • Part C (Medicare Advantage) is an all-in-one plan that includes Part A, Part B, and often Part D (prescription drug coverage).

   • Part D covers prescription drugs (if you don’t have prescription coverage through the VA or another plan).

2. Think about your needs.

   • Do you need coverage for medications that VA doesn’t provide? Medicare Part D may be a good fit.

   • Want extra benefits like dental and vision? Medicare Advantage could offer more than what the VA does.

3. Don’t wait until the last minute.
   Start thinking about it early! Trust me, you’ll want to get a head start so you don’t miss out on key enrollment windows.

How Can RMBA Help You?

At Retired Military Benefit Association (RMBA), we’re here to help you make sense of all your options. Our team specializes in helping veterans like you choose the right Medicare plan to complement your VA benefits.

If you’re not sure where to start or which plan to choose, don’t worry! We’re ready to help guide you through the process, answer your questions, and make sure you’re getting the coverage you deserve.

RMBA HOME PAGE - Explore essential resources for veterans' benefits and Medicare guidance here

Read more about VA benefits here

Let’s Get Started!

So, if you’re approaching 65 (or know someone who is), now’s the time to start thinking about Medicare. Don’t wait for the last minute—reach out to us at RMBA, and let’s work together to find the best Medicare plan for you!