You have TRICARE For Life.
You are in the same position as your spouse. You keep your coverage, and a veteran plan can sit on top of it.
For spouses and surviving spouses
You stood beside them. This is for you too.
If you are married to a veteran, or you are a surviving spouse, and you have TRICARE For Life or CHAMPVA along with Medicare, the same plans may be open to you.
Who this is for
Three situations we hear every day.
You have CHAMPVA.
CHAMPVA works with these plans much the way TRICARE For Life does. We treat the two the same when we compare plans for you.
You don't know what you have.
That is more common than you'd think. Tell us what cards are in your wallet and we will work it out with you.
Two people, two premiums
Each of you pays a Part B premium. Each of you can lower it.
Medicare is individual. So is the premium reduction.
If you both qualify and both enroll, each of you can see a lower Part B premium. Up to $185 a month each, depending on the plans in your county.
You don't have to choose the same plan, and one of you can enroll without the other. We check each person's doctors and coverage separately.
Come to the call together. We can look at both of you in one conversation, and if it fits, enroll you both on the same call.
Do I qualify if I never served?
Service is not the test. These are Medicare plans, so you need Medicare Part A and Part B and you need to live where the plan is offered. They fit best when TRICARE For Life or CHAMPVA is covering your prescriptions and copays.
Will I lose CHAMPVA or TRICARE For Life?
No. You keep it as long as your Medicare Part A and Part B stay active. The plan is added on top.
My husband or wife has passed. Can I still do this?
Often, yes. Many surviving spouses keep CHAMPVA or TRICARE coverage. Tell us what you have and we will check it with you. There is no cost to ask.
I'm not 65 yet. Does this apply to me?
You need Medicare Part A and Part B first. If you are getting close to 65, reach out a few months ahead and we will have everything ready for when your Medicare starts.
Do we both have to be on the call?
No, but it helps. Each person makes their own choice, and it is easier to answer both of your questions at once.
