Request A Health Care Review To Get Your Extra Benefits

"All About Veterans And Medicare"

Interview With Medicare Expert Mark Snihurowych Reveals 12 Little Known FREE Benefits That Would Improve Your Tricare or VA Health Care Coverage.

Request A Medicare Review To Get Your Extra Benefits Now

Benefits Of A Review

Extra Benefits

Many Medicare advantage plans offer little know additional free benefits. Which could include some or all of the following.

- Increase Your Treatment Options
- Purchase Your Drugs Below VA Prices
- Free Gym Membership
- Dental
- Vision
- Hearing

- Free Stuff: $20 a month in over the counter items like Tylenol, Band-Aids, - - - - Sunscreen

- Transportation to or from the doctors

- Quit smoking assistance

- Nursing hotline

- Health and wellness coaching

- Discount medications by mail

- Medicare part B cash back

Low Income Assistance

Many Medicare advantage plans give you extra help through the federal government to lower the cost of Co pay's and prescriptions. Plus, if you are eligible you can change your plan at anytime and don't have to wait for the annual open enrollment.

Health And Medication Changes

If your condition is more or less severe or if you are taking more, less or different medication.

Medicare Plan Options

Some states have up to 20 different plans that change. The price goes down or another plan may have changed and is now a better fit for you. There are even age specific plans.

For example, let's say you could save just $50 a month, that's $600 you should have had in your pocket. Don't spend money you don't have to.

Protect Your Benefits

Using The Silver Sneaker Free Gym membership included in most Medicare Advantage plans shows that you are doing the best you can to stay as healthy as possible.

Using your Gym membership does much more that maximize your wellness it also protects your benefits because most Social Security Disability recipients are subject to a review. See your award letter or SSA.gov for details.

Showing that you are making a conscious effort to get treatment and attend the gym for wellness is a big step and solidifying your continued benefits in the event that they are reviewed.

It keeps your medical records current, showing SSA that there are no gaps in treatment makes it difficult for SSA to terminate your benefits.

In the event that your case does come up for review, you will have the piece of mind that you have done the best you can do to optimize your health while protecting your disability income.

Help Is 100% Free, Saves Time And Money

This is a 100% free service. Medicare agents do not charge you. They are compensated by the insurance companies they represent.

There service is like using and online travel service. Check all the options and chose on if it is a fit for you.

How Medicare Advantage Plans work with Tri care for life
From Aaron McCoy
Veterans Executive | Strategic Alliance
Region 3 – Cleveland, OH

Thanks for the phone call. Here is the best way to describe what putting an MA plan in front of Medicare does.

With original Medicare and Tricare (Tricare for Life), Medicare pays first and Tricare is the second payer. The provider bills Medicare and then Medicare automatically bills Tricare for the patient’s cost share. This is a seamless process and the beneficiary can see any provider who accepts Medicare. This changes when original Medicare is replaced with an MA or MAPD plan.

As we spoke about I would avoid an MAPD plan entirely as an option for someone who has Tricare and Medicare. Their drug coverage is pretty robust and doesn’t have a coverage gap. There really shouldn’t be a need for other drug coverage that would complicate their coverage.

When talking about an MA only plan there are some things agents need to be aware and cautious of. Once original Medicare is replaced by an MA plan the person now has network associated with their plan which they didn’t with original Medicare. The biggest complication to their coverage is now going to be the claims process. Now when the provider bills Humana they are not going to automatically pass on the patient’s cost share to Tricare. They will send it back to the provider and the provider will have to coordinate with the patient to get their payment. This could happen two ways;

1. The patient tells the provider they have Tricare and the provider bills Tricare. This is dependent on the provider knowing how to do this and/or the patient knowing how to explain it to the provider.

2. The provider tells the patient they have to pay the copay/coinsurance and then the patient has to fill out a reimbursement form and mail it to the Physician services.

While we understand that Tricare beneficiaries are going to be attracted to the benefits that MA plans offer, we encourage agents to be cautious here. Tricare beneficiaries basically have a Plan F with built in drug coverage already. Because of this we don’t really encourage agents to reach out to this population to enroll them.

However, if the Tricare beneficiary wants to enroll in the plan because of the many benefits it offers it will not get rid of their Tricare. I encourage agents in that situation to make sure that both they and the client are comfortable and understand how enrolling into an MA plan is going to impact their coverage, and most importantly their claims process. Also, they need to be able to assist them with any issues they may run in to if with the plan. Some of the benefit packages in the MA only plans are very robust so it’s understandable that agents are going to be getting questions from Tricare recipients.

Sorry for the lengthy email, but hopefully that is helpful to you and your team. If you need anything from me please feel free to give me a call anytime.

Thank you,

Aaron McCoy
Veterans Executive | Strategic Alliance
Region 3 – Cleveland, OH
“A Country that creates Veterans should be prepared to care for them”

For More information see page 12 of the Tri Care for Life Handbook:
https://www.tricare.mil/~/media/Files/TRICARE/Publications/Handbooks/TFL_HBK.pdf