Gavino said that some people with VA health care decide to go with a Medicare Advantage Plan, which includes Parts A and B, and typically D. These plans often come with extras such as dental and vision coverage, or gym memberships.
"Some of those plans have a low or no premium," Gavino said. "If you never want to use the plan, you don't have to."
This would mean that it costs nothing unless you use it and face a deductible or copay (or both), depending on the particulars of the plan. You'd also have an out-of-pocket maximum.
Meanwhile, some people with VA health care who sign up for Medicare Parts A and B decide to get a Medigap policy instead of an Advantage Plan (you cannot have both).
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This type of supplemental insurance helps cover the cost of deductibles, copays and coinsurance associated with Medicare.
However, you only get six months to purchase a Medigap policy without an insurance company nosing through your health history and deciding whether to insure you. This "guaranteed-issue" period starts when you first sign up for Medicare.
After that window, unless your state allows special exceptions, you have to go through medical underwriting. And depending on your health, that process could cause the Medigap insurer to charge you more or deny coverage altogether.
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