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56pan

Seaman
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Everything posted by 56pan

  1. "Yes CHAMPVA pays on the same "schedules" as medicare." Thanks, Rattler. That's what I was wanting to confirm. So, we'll keep my wife's supplemental plan. Still going to stop by and see the vet's advocate when I'm at the VA on the 29th and get it all explained. Again.
  2. "CHAMPVA pays 80% you pay 20% up to the $3000 ductable than it pays 100%" So, with CHAMPVA my wife would still need my wife's supplemental insurance to cover the 20% that CHAMPVA does not cover until the $3000 deductible then? If that's true I see no need for her to change from Medicare. "The vets advocate at my local VA medical center told me on the phone that CHAMPVA pays on the same "schedules" as medicare." From an earlier post I wrote above. So, the vets advocate was correct. She'd still need supplemental insurance but I'm not sure if what she has would pay for the 20% left over from CHAMPVA as they're listed as "Medicare supplemental insurance." I'll get the vets advocate on the phone next Monday and get to the bottom of it.
  3. I've got an appt. at the VA med. ctr. in Salisbury, NC in a couple weeks and I'm going to sit with the vets advocate and get the exact story. I was also advised against medicare advantage by an ins. guy we've used for years and I trust. I'd really like to drop the medicare supplemental ins. on my wife once her CHAMPVA is approved. My situation is this: I need to get all this straightened out as soon as I can. I have stage 4 pancreatic cancer and am being told I've got about a year. I will say that the VA in Salisbury, NC has treated me very, very well. They've agreed to pick up all my chemotherapy bills, meds, doc visits, everything from the cancer center that is treating me. Which is going to allow me to drop everything I've got with medicare and save us a few bucks every month. Thanks fellows very much for your time and advice.
  4. There's another thing I'm confused on. My wife has medicare supplemental insurance which covers anything medicare doesn't pay after she pays the yearly medicare deductible. Does CHAMPVA pay on the same limits for medical bills as medicare? Would she need to keep the supplemental ins. policy for what CHAMPVA doesn't cover. The vets advocate at my local VA medical center told me on the phone that CHAMPVA pays on the same "schedules" as medicare. Yeah, I should have asked the guy to explain it further at the time but didn't.
  5. Thank you, sir, for that good explanation of the CHAMPVA drug plan. On the application I sent in last week, it asked if my wife had a prescription drug plan, which she does, Part D medicare and it was shown on her medicare card that I had to scan and attach with the other paperwork. Also, they wanted a scan of her medicare supplemental ins. card. The supplemental has no drug coverage offered however. I figure it will be several months before she gets the CHAMPVA card in the mail. Once I've got it, would it be best to cancel her medicare part D and attempt to get prescription drug coverage through CHAMPVA? I would expect a paperwork hassle. Once that was taken care of, I would just sign her up for meds by mail then? All her prescription drugs come by mail now anyhow. Rarely does she have to have something immediate from a drugstore. And damned if this isn't a helpful forum.
  6. Thanks very much, sir. My answer was on page 2 of the form. My wife can get the CHAMPVA benefit. One more question if you don't mind: I know that CHAMPVA can replace her medicare, but does it cover prescription drugs? Again, thank you for your time and help.
  7. "The spouse or child of a Veteran who has been rated permanently and totally disabled for a service-connected disability by a VA regional office." That's from the VA website covering CHAMPVA eligibility requirements. My disability rating is 80% but my TDIU decision letter states that: "Basic eligibility to Dependents' Educational Assistance based on permanent and total disability status is established from August 8, 2022." I called my local VA medical center, Salisbury NC, about a year ago and asked them if I was eligible for VA dental care and told the fellow there that my TDIU decision letter stated that I was permanently and totally disabled. I had read that you had to have a 100% disability rating for VA dental care. He told me that I was eligible since I was considered permanently and totally disabled. So, I'm getting the dental care. But I cannot find an answer to if my wife is eligible for CHAMPVA with my 80% disability rating but am considered permanently and totally disabled by the VA? I did all the paperwork for her CHAMPVA last week and submitted it along with my DD214 and TDIU decision letter. I'm just wondering if anyone here knows the answer to whether my wife is eligible or not?
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