{"id":1683,"date":"2021-01-25T15:40:56","date_gmt":"2021-01-25T20:40:56","guid":{"rendered":"https:\/\/yourcarerep.com\/YCR-BU\/?page_id=1683"},"modified":"2025-03-13T12:53:21","modified_gmt":"2025-03-13T16:53:21","slug":"veterans-and-medicare-advantage","status":"publish","type":"page","link":"https:\/\/yourcarerep.com\/YCR-BU\/veterans-and-medicare-advantage\/","title":{"rendered":"Veterans and Medicare Advantage"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1683\" class=\"elementor elementor-1683\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5fa6eeb elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5fa6eeb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-655a53c\" data-id=\"655a53c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d28e535 elementor-widget elementor-widget-text-editor\" data-id=\"d28e535\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8220;I\u2019m A Veteran. I Don\u2019t Need Medicare.&#8221;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5400062 elementor-widget elementor-widget-text-editor\" data-id=\"5400062\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You may want to rethink that! Read why below!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5d9ff18 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"5d9ff18\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a33407e\" data-id=\"a33407e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-97609ed elementor-widget elementor-widget-image\" data-id=\"97609ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/01\/VA-page-image-1200.jpg\" title=\"Veterans and Medicare Advantage\" alt=\"Veterans and Medicare Advantage\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d73b05d elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d73b05d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-41cfa57\" data-id=\"41cfa57\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7c6fd85 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7c6fd85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/yourcarerep.com\/YCR-BU\/quote\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Answers with Our Questionnaire<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-7a7299f\" data-id=\"7a7299f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6247451 elementor-widget elementor-widget-image\" data-id=\"6247451\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/elementor\/thumbs\/vet-owned-business-pmjoxx6a0vjkgl0233oahpqs5vpflbnqtd75uv540w.png\" title=\"vet-owned-business\" alt=\"Veteran Owned and Operated Business\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-ccce58b\" data-id=\"ccce58b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8b5a630 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"8b5a630\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/02\/VA-Flyer-YCR.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download Veteran Medicare Flyer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8e17de0 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8e17de0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1e2d6ef\" data-id=\"1e2d6ef\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3befd6c elementor-widget elementor-widget-image\" data-id=\"3befd6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/elementor\/thumbs\/Medicare-for-Veterans-pmjouzwc5i6eomw533eyg93spdmd52psadk4t2hfso.jpg\" title=\"Medicare for Veterans\" alt=\"Medicare for Veterans\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9f54a61\" data-id=\"9f54a61\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6fee20b elementor-widget elementor-widget-text-editor\" data-id=\"6fee20b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Get All the Benefits You&#8217;re Eligible For!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa96685 elementor-widget elementor-widget-text-editor\" data-id=\"aa96685\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Veterans who have VA medical benefits often believe they don\u2019t need Medicare. After all, we are receiving healthcare at the VA Medical Center or clinics, why would we want $164.90 (for 2023) taken out of our social security checks? Our service has earned us benefits and not all are from the VA. Many Medicare Advantage carriers understand our unique needs. Not even the Veteran&#8217;s Administration recommends foregoing Medicare benefits. There are several reasons:<\/p><ul><li>Unless you have a 100% service-connected disability rating, you don&#8217;t get dental coverage.<\/li><li>If you go to an emergency room and it turns out it wasn&#8217;t life threatening, and it wasn&#8217;t caused by a service-connected disability, the VA <strong>WILL NOT<\/strong> pay.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4545c26 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4545c26\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ee11387\" data-id=\"ee11387\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-09dee35 elementor-widget elementor-widget-text-editor\" data-id=\"09dee35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li>The VA health benefit <strong>IS NOT<\/strong> insurance; it&#8217;s a benefit. That means it&#8217;s not creditable healthcare coverage. If you decide you need Medicare Part-B in the future, if you did not enroll at 65, you will incur lifetime penalties of 10% per year you did without it.<\/li>\n<li>If you ever need a second opinion or a service not available at the VA, you will need Medicare to cover it.<\/li>\n<li>Just because you have VA benefits, doesn&#8217;t mean it&#8217;s less expensive than a Medicare Advantage plan. You can be paying more at the VA (will clarify below).<\/li>\n<li>And more&#8230;<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8b6bba6 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"8b6bba6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6dd35217\" data-id=\"6dd35217\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68906182 elementor-widget elementor-widget-text-editor\" data-id=\"68906182\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Subscribe to our newsletter and get the <span style=\"color: #dbae1d;\"><strong>FREE<\/strong> <\/span>Medical Information document for streamlined emergencies or hospitalization.<span style=\"color: #dbae1d;\"><strong> A MUST HAVE FOR CAREGIVERS!\u00a0<\/strong><\/span>Don&#8217;t let changes take you by surprise! Stay in the know.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5c09b6ad\" data-id=\"5c09b6ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3add09f2 elementor-widget elementor-widget-text-editor\" data-id=\"3add09f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<!-- Begin Mailchimp Signup Form -->\n<style type=\"text\/css\">\n\t#mc_embed_signup{background:; clear:left; font:14px Helvetica,Arial,sans-serif; width:100%;}\n\t#mc-embedded-subscribe { background-color: #dbae1d !important; }\n#mc-embedded-subscribe:hover { background-color: #cae4db !important; }\n\t#mc_embed_signup input.email { width: 200px !important; height: 32px !important; }\n<\/style>\n<link href=\"\/\/cdn-images.mailchimp.com\/embedcode\/horizontal-slim-10_7.css\" rel=\"stylesheet\" type=\"text\/css\">\n<div id=\"mc_embed_signup\">\n<form action=\"https:\/\/yourcarerep.us7.list-manage.com\/subscribe\/post?u=2a3859b7a5e60c96ee7af6e82&amp;id=fefb7937e1\" method=\"post\" id=\"mc-embedded-subscribe-form\" name=\"mc-embedded-subscribe-form\" class=\"validate\" target=\"_blank\" novalidate>\n    <div id=\"mc_embed_signup_scroll\">\n\t<input type=\"email\" value=\"\" name=\"EMAIL\" class=\"email\" id=\"mce-EMAIL\" placeholder=\"email address\" required>\n    <!-- real people should not fill this in and expect good things - do not remove this or risk form bot signups-->\n    <div style=\"position: absolute; left: -5000px;\" aria-hidden=\"true\"><input type=\"text\" name=\"b_2a3859b7a5e60c96ee7af6e82_fefb7937e1\" tabindex=\"-1\" value=\"\"><\/div>\n    <div class=\"clear\"><input type=\"submit\" value=\"Subscribe\" name=\"subscribe\" id=\"mc-embedded-subscribe\" class=\"button\"><\/div>\n    <\/div>\n<\/form>\n<\/div>\n\n<!--End mc_embed_signup-->\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ef25b2 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ef25b2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c1e697a\" data-id=\"c1e697a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-96b49a8 elementor-widget elementor-widget-text-editor\" data-id=\"96b49a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Medicare Advantage<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2664b43 elementor-widget elementor-widget-text-editor\" data-id=\"2664b43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Medicare Advantage, also known as Part C, is provided by major, private insurance companies who\u2019ve been vetted and certified by The Center for Medicare and Medicaid Services (CMS) to provide and manage all of Medicare\u2019s parts under one plan.<\/p><p>As a veteran, if you receive your care at a VA medical center, you most likely have prescription drug coverage. However, that does not mean you&#8217;re paying the best price for your meds.\u00a0<\/p><p>Every veteran is put into a priority group:\u00a0<\/p><ul><li>One group for 50% disability or above&#8230;<\/li><li>Another for those below 50% disability&#8230;<\/li><li>Another based on income level, etc.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-af78002\" data-id=\"af78002\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7abcf3c elementor-widget elementor-widget-image\" data-id=\"7abcf3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/elementor\/thumbs\/diverse-seniors-no-background-SMALL-pmjow0k25yyuwq1y1c6b9z3nmiro82udsxe26j01l2.png\" title=\"Happy Your Care Rep Medicare Advantage seniors\" alt=\"Happy Your Care Rep Medicare Advantage seniors\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e73827d elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e73827d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c3ee362\" data-id=\"c3ee362\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-712283d elementor-widget elementor-widget-text-editor\" data-id=\"712283d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Your <strong>prescription copay can be $9 (as mine is) per 30-day supply<\/strong> of generic medications. Rarely is an actual brand name used. But many Medicare Advantage plans have a $0 copay at preferred retail and mail-order pharmacies <strong>(what we are used to already, having our meds mailed to us)\u00a0<\/strong>for tier 1 and tier 2. The majority of the meds we get, on average, are tier 1 and 2. If you take more than one medication per month at this copay rate, that&#8217;s a lot of money you don&#8217;t need to be spending.<\/p><h4>PCP and Specialist Copays<\/h4><p>Many veterans also have copays for doctor appointments. They can be <strong>$15 for a PCP<\/strong> (primary care physician) visit, to <strong>$25 to $50 for a specialist visit<\/strong>.<\/p><p>Many Medicare Advantage plans have a<strong> $0 copay for PCP visits<\/strong> and as low as $10 to $20 for Specialist visits.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c0c8f5d elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c0c8f5d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5a0c61b\" data-id=\"5a0c61b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21c77a6 elementor-widget elementor-widget-image\" data-id=\"21c77a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/02\/veteran.jpg\" title=\"veteran\" alt=\"Happy Veteran with Medicare\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f9c5d18\" data-id=\"f9c5d18\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-66a4f7f elementor-widget elementor-widget-text-editor\" data-id=\"66a4f7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4>Additional Supplemental Benefits<\/h4><p>Depending on the plan you choose, you could receive:<\/p><ul><li>Dental benefits with <b>first-dollar coverage<\/b>, at the dentist of your choice, as long as the dentist accepts Medicare.<\/li><li>Chiropractic care for lower back pain.<\/li><li>Acupuncture for lower back pain.<\/li><li><b>FREE gym membership<\/b> to stay in shape.<\/li><li>Between<b> $30 to $300 for over-the-counter\u00a0<\/b>medications and products <b>(things we buy at Walmart, Walgreens and\/or CVS)<\/b>, per quarter.<\/li><li><b>Worldwide ambulance transportation<\/b> in case of an emergency.<\/li><li>Emergency coverage while traveling.<\/li><\/ul><p>All this may be available at $0 premium <b>or even with a Part-B premium credit from $50 to $164.90 per month, back in your social security check<\/b>\u00a0(varies by plan and location). So, if you were to get a $100 premium credit or giveback, your Medicare Part-B would cost only $64.90 per month, instead of $164.90, plus any penalties if applicable.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9ae998e elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9ae998e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9d15363\" data-id=\"9d15363\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79d4812 elementor-widget elementor-widget-image\" data-id=\"79d4812\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/elementor\/thumbs\/happy-patient-pmjowdpstnj3fcbsjy3lsvag8upfwgq5h2esf9s2to.jpg\" title=\"happy-patient\" alt=\"happy-patient\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b076ced\" data-id=\"b076ced\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-86506b0 elementor-widget elementor-widget-text-editor\" data-id=\"86506b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Will I have to change my doctor?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-271d137 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"271d137\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4caa3b9\" data-id=\"4caa3b9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f8c1a8 elementor-widget elementor-widget-text-editor\" data-id=\"5f8c1a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you have VA benefits, you do not have to change doctors. You see, you will have two plans that DO NOT talk to each other. You can keep your VA doctor, or choose one from your network, or have both. If you have Tricare For Life, if your doctor is not in the network of your Medicare Advantage plan, then you would have to change doctors.<\/p><h3><strong>Get Services the VA Doesn&#8217;t Provide or Get a Second Opinion<\/strong><\/h3><p>If you need a procedure or service that the VA doesn&#8217;t provide, you can use your Medicare Advantage benefits and go to a different doctor or facility to get what you need. If you&#8217;re <strong>filing a claim for disability<\/strong> and keep getting turned down, <strong>get a second opinion<\/strong> using your Medicare Advantage benefits.<\/p><p>You have nothing to lose by getting your questions answered!<\/p><h4>Contact Eddie Velez and find out if having Medicare Advantage would benefit you.<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4daf2c elementor-widget elementor-widget-image\" data-id=\"a4daf2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/elementor\/thumbs\/vet-owned-business-pmjoxx685s0fzx7x233zcuyzzudf4r731mdagg0vqg.png\" title=\"vet-owned-business\" alt=\"Veteran Owned and Operated Business\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3320beb\" data-id=\"3320beb\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0f6db18 elementor-widget elementor-widget-text-editor\" data-id=\"0f6db18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Have A Question?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de38bee elementor-widget elementor-widget-text-editor\" data-id=\"de38bee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"wpcf7 no-js\" id=\"wpcf7-f2018-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"2018\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/YCR-BU\/wp-json\/wp\/v2\/pages\/1683#wpcf7-f2018-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"2018\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.7\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2018-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<div class=\"column one\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"column one\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"E-mail\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"column one\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"Agent\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"Agent\"><option value=\"Who referred you to this site?\">Who referred you to this site?<\/option><option value=\"No one. Found by myself\">No one. Found by myself<\/option><option value=\"Eddie Velez\">Eddie Velez<\/option><option value=\"Denise Simanca\">Denise Simanca<\/option><option value=\"Felix Rosario\">Felix Rosario<\/option><option value=\"Heather Strasheim\">Heather Strasheim<\/option><option value=\"Jason Green\">Jason Green<\/option><option value=\"Natasja Hardy\">Natasja Hardy<\/option><option value=\"Mike Laubert\">Mike Laubert<\/option><option value=\"Shar&#039;Breona Bryant\">Shar&#039;Breona Bryant<\/option><option value=\"Wayne Parker Jr.\">Wayne Parker Jr.<\/option><\/select><\/span>\n\t<\/p>\n<\/div>\n<div class=\"column one\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"Services\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"Services\"><option value=\"Pick one (Click here)\">Pick one (Click here)<\/option><option value=\"Schedule Appointment\">Schedule Appointment<\/option><option value=\"Medicare Advantage\">Medicare Advantage<\/option><option value=\"Medicare Part D (Drugs)\">Medicare Part D (Drugs)<\/option><option value=\"Veteran Benefits and Medicare Advantage\">Veteran Benefits and Medicare Advantage<\/option><option value=\"Extra Help LIS\">Extra Help LIS<\/option><option value=\"Hospital Indemnity Ins.\">Hospital Indemnity Ins.<\/option><option value=\"Final Expense Ins.\">Final Expense Ins.<\/option><\/select><\/span>\n\t<\/p>\n<\/div>\n<div class=\"column one\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"2\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"How can we help you?\" name=\"your-message\"><\/textarea><\/span>\n\t<\/p>\n<\/div>\n<div class=\"column one\" style=\"text-align: center;\">\n\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Send Message\" \/>\n\t<\/p>\n<\/div>\n<div class=\"column one\" style=\"text-align: center;\">\n\t<p><!-- Mailchimp for WordPress v4.15.0 - https:\/\/www.mc4wp.com\/ --><input type=\"hidden\" name=\"_mc4wp_subscribe_contact-form-7\" value=\"0\" \/><span class=\"mc4wp-checkbox mc4wp-checkbox-contact-form-7 \"><label><input type=\"checkbox\" name=\"_mc4wp_subscribe_contact-form-7\" value=\"1\" checked=\"checked\"><span>Give me your newsletter!<\/span><\/label><\/span><!-- \/ Mailchimp for WordPress -->\n\t<\/p>\n<\/div>\n<div class=\"column one\" style=\"text-align: center;\">\n\t<p><span id=\"wpcf7-6af0a057c9ee8-wrapper\" class=\"wpcf7-form-control-wrap cf7apps-honeypot-wrap honeypot-948-wrap\" ><label for=\"wpcf7-6af0a057c9ee8-field\" class=\"hp-message\">effective dates<\/label><input id=\"wpcf7-6af0a057c9ee8-field\"  placeholder=\"MBI number\"  class=\"wpcf7-form-control wpcf7-text\" type=\"text\" name=\"honeypot-948\" value=\"\" autocomplete=\"off\" tabindex=\"1000\" data-cf7apps-tabindex=\"1000\" \/><\/span>\n\t<\/p>\n<\/div><input type=\"hidden\" id=\"ct_checkjs_cf7_65b9eea6e1cc6bb9f0cd2a47751a186f\" name=\"ct_checkjs_cf7\" value=\"0\" \/><script>setTimeout(function(){var ct_input_name = \"ct_checkjs_cf7_65b9eea6e1cc6bb9f0cd2a47751a186f\";if (document.getElementById(ct_input_name) !== null) {var ct_input_value = document.getElementById(ct_input_name).value;document.getElementById(ct_input_name).value = document.getElementById(ct_input_name).value.replace(ct_input_value, 'c9668077a3e74341251b7db2cc2d52d4799fe175befd9c41c78ae705425675e8');}}, 1000);<\/script><input\n                    class=\"apbct_special_field apbct_email_id__wp_contact_form_7\"\n                    name=\"apbct__email_id__wp_contact_form_7\"\n                    aria-label=\"apbct__label_id__wp_contact_form_7\"\n                    type=\"text\" size=\"30\" maxlength=\"200\" autocomplete=\"off\"\n                    value=\"\"\n                \/><input type='hidden' class='wpcf7-pum' value='{\"closepopup\":false,\"closedelay\":0,\"openpopup\":false,\"openpopup_id\":0}' \/><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d954553 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d954553\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-78f3726\" data-id=\"78f3726\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-499663c elementor-align-center elementor-widget elementor-widget-button\" data-id=\"499663c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/yourcarerep.com\/YCR-BU\/quote\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Answers with Our Questionnaire<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0edde55\" data-id=\"0edde55\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-37a00f9 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"37a00f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/02\/VA-Flyer-YCR.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download Veteran Medicare Flyer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>&#8220;I\u2019m A Veteran. I Don\u2019t Need Medicare.&#8221; You may want to rethink that! Read why below! Get Answers with Our Questionnaire Download Veteran Medicare Flyer Get<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":110,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-1683","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/pages\/1683","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/comments?post=1683"}],"version-history":[{"count":1,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/pages\/1683\/revisions"}],"predecessor-version":[{"id":8522,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/pages\/1683\/revisions\/8522"}],"wp:attachment":[{"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/media?parent=1683"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}