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How Medicare Works with VA & TRICARE
If you’re a veteran, you may already receive healthcare through the VA system or through TRICARE (for military retirees). The good news is: Medicare and VA benefits can work side by side. Medicare does not cancel or replace VA coverage—it complements it, giving you access to civilian doctors and hospitals outside VA facilities.
Medicare can also provide benefits the VA may not cover, such as routine dental, vision, and hearing services. Many veterans choose at least Part A (premium-free for most) and Part B, and then consider Medicare Advantage plans designed for veterans. These plans often have $0 premiums, exclude drug coverage (since VA or TRICARE cover prescriptions), and instead focus on extras like dental, vision, and hearing benefits—sometimes even giving Part B premium rebates.
For Amarillo veterans, the bottom line is this: having both VA and Medicare gives you the best of both worlds—coverage at VA facilities plus flexibility in the community.
Greater Flexibility
Access to civilian doctors and hospitals nationwide
Extra Benefits
Dental, vision, hearing, and wellness programs
Keep VA Coverage
Medicare doesn’t replace your VA benefits
Peace of Mind
Emergency and local care when VA isn’t nearby
Is Medicare Right For You?
For many Vets, Medicare compliments VA or TRICARE coverage.
This could be a great fit for:
Veterans using the Amarillo VA Medical Center but wanting more choice
Vets who want civilian care options for emergencies or specialists
Those seeking dental, vision, or hearing benefits not covered by VA
Veterans who live far from VA facilities or travel frequently
Retired military personnel with TRICARE For Life (Medicare required)
Veterans who want $0 premium Advantage plans designed for vets
Individuals who want Part B rebates or extra allowances
Veterans who want to avoid late enrollment penalties by enrolling at 65
Schedule a Free Consultation
VA healthcare is excellent, but usually limited to VA hospitals and clinics, like the Thomas E. Creek VA Medical Center here in Amarillo. Medicare broadens your access, letting you see any Medicare-participating doctor or hospital nationwide. That’s critical if you live far from a VA facility, need urgent care at a non-VA hospital, or simply want more options for specialists and routine care.
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Frequently Asked Questions
Do I lose my VA benefits if I enroll in Medicare?
No. Medicare is separate and does not replace VA coverage. You can continue using VA for medications and service-connected care, while Medicare gives you access outside the VA system.
Can I use VA and Medicare for the same service?
No. You must choose one for each episode of care—but having both gives you options.
What about TRICARE For Life (TFL)?
If you’re a military retiree with TFL, you must enroll in Medicare Parts A and B at 65. TFL then works as a supplement, covering most of what Medicare doesn’t.
Should veterans enroll in Medicare Part D?
Usually no. VA and TRICARE drug coverage are considered “creditable,” so you won’t face penalties. Instead, most veterans skip Part D and keep their VA or TRICARE pharmacy benefits.
Are there Medicare Advantage plans for veterans?
Yes. Some $0 premium Advantage plans in Texas are designed for veterans. They often exclude drug coverage (to avoid overlap) but include extras like dental, vision, hearing, fitness programs, and even Part B rebates.
Why does the VA recommend enrolling in Medicare?
The VA itself advises vets to sign up for Medicare at 65. Having both ensures coverage even if you’re far from a VA facility, traveling, or in an emergency.
Government Disclaimer: We are not connected with or endorsed by the U.S. Government or the federal Medicare program (Centers for Medicare & Medicaid Services). This is a solicitation of insurance.
Prominence Medicare is a Medicare Advantage plan with a Medicare contract. Enrollment in Prominence Medicare depends on contract renewal.
TPMO Disclosure: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227), TTY: 1-877-486-2048, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Prominence Medicare is a Medicare Advantage plan with a Medicare contract. Enrollment in Prominence Medicare depends on contract renewal.
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