How Medicare Works With The VA, Tricare and ChampVA
VA, TRICARE & CHAMPVA: Maximizing Your Benefits with Medicare
If you’re a veteran or a military family member, you may already have healthcare coverage through VA Benefits, TRICARE, or CHAMPVA—but did you know that adding Medicare can help expand your healthcare options, lower costs, and provide more flexibility? Many veterans and their families choose to enroll in Medicare to ensure they have comprehensive coverage both inside and outside the VA system.
How VA, TRICARE & CHAMPVA Work with Medicare
VA Healthcare & Medicare → VA benefits cover care at VA facilities, but Medicare allows you to see doctors and specialists outside the VA system, giving you more flexibility.
TRICARE For Life & Medicare → If you have TRICARE For Life (TFL), Medicare becomes your primary coverage, while TRICARE acts as secondary insurance, covering most remaining costs.
CHAMPVA & Medicare → If you qualify for CHAMPVA, Medicare is your primary coverage, and CHAMPVA helps cover copays and deductibles, reducing your out-of-pocket expenses.
Why Consider Adding Medicare?
✔ See More Doctors & Specialists – Medicare allows you to get care beyond VA hospitals and clinics.
✔ Extra Benefits – Medicare Advantage plans include Money give back, dental, vision, hearing, fitness programs, and over-the-counter benefits, which VA, TRICARE, and CHAMPVA may not fully cover, find what you qualify for.
✔ Save Money with Giveback Plans – Some Medicare Advantage plans, like the Humana USAA Honor Giveback PPO, offer a Part B premium reduction, putting money back in your Social Security check.
Featured Plan: Humana USAA Honor Giveback PPO
For veterans looking to enhance their Medicare benefits, the Humana USAA Honor Giveback PPO is a popular option. Designed specifically for those who already receive VA healthcare, this plan offers extra coverage and cost-saving advantages.
Key Benefits of the Humana USAA Honor Giveback PPO:
✅ Part B Premium Reduction – Get money back in your Social Security check every month (amount varies by location).
✅ Nationwide Provider Network – Access Medicare-covered doctors and hospitals outside the VA system.
✅ Prescription Drug Flexibility – Since VA prescriptions must be filled at VA pharmacies, this plan doesn’t include Part D, allowing you to continue using VA drug coverage while benefiting from Medicare’s additional healthcare options.
✅ Extra Perks – Includes dental, vision, hearing, fitness programs, and other valuable benefits not covered by VA healthcare.
Get a Free Benefits Review
Every veteran and military family’s situation is unique. A quick, no-cost benefits review can help determine if Medicare can save you money and expand your healthcare options.
Click below to learn how VA, TRICARE, CHAMPVA, and Medicare work together to protect your health and finances!