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  • 14 Questions about VA Disability Compensation Benefits Claims

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    When a Veteran starts considering whether or not to file a VA Disability Claim, there are a lot of questions that he or she tends to ask. Over the last 10 years, the following are the 14 most common basic questions I am asked about ...
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  • Most Common VA Disabilities Claimed for Compensation:   

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  • Can a 100 percent Disabled Veteran Work and Earn an Income?

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    You’ve just been rated 100% disabled by the Veterans Affairs. After the excitement of finally having the rating you deserve wears off, you start asking questions. One of the first questions that you might ask is this: It’s a legitimate question – rare is the Veteran that finds themselves sitting on the couch eating bon-bons … Continue reading

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You do have some options.  

1.  You can pay the penalty and get the insurance.  Check Social security to see how much, if any, penalty you have.  

2.  Ditch medicare part b and use VA exclusively.  

3.  Wait until you are 65 and then opt into part B.  

For more information read this:

https://www.medicare.gov/sign-up-change-plans/how-do-i-get-parts-a-b/should-i-get-parts-a-b

People have different situations, and what works for you may not work for your neighbor, and vice versa.  

There is a section there if you have VA benefits, in the medicare page, above.  

My insurance advisor told me that Champva insurance is the best money cant buy.  I would agree with that, my wife has been on it about 5 years, and, altho there were glitches, its still much better than any private insurance I have ever had.  

"If" you are happy with your local VAMC, for all your care now and in the future, you may not need medicare part B.  

Again, while I started opting out of part B (and went with VA care exclusively) I know Vets who wont set foot inside a Vamc.  I generally have had good care with my VAMC, but it has improved a lot in the past 4 years. 

For example, I had a total knee replacement at my VAMC about 18 months ago.  I got a great result, my knee has "almost" zero pain.  It probably didnt hurt at all that my wife is a retired nurse, and she made me comply with all doctors recommendations, physical therapy, ice, meds..everything.  

If you are uncomfortable with VA care, or MAY need non VA care in the future, then you should opt in for part B, "at least" when you turn 65.  That is what I did.  

So far, its mostly been a waste of 130 bucks a month.  But, so are my car insurance premiums..I havent had a car insurance claim for decades.  

Again, for me, even tho I mostly go to VAMC, I still opted into part B when I turned 65 at no penalty.  

At your age 58, you will pay "about" 10,000 dollars in insurance premiums in the next 7 years before you turn 65.  7 years equals 84 months times 130 a month equals a little over 10,000 dollars.  So, if you spent $1000 on non VA care in the next 7 years out of pocket, then you would be ahead 9000 dollars PLUS any penalties you wont have to pay.  

Edited by broncovet
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It sounds like you are confused.  Maybe I can help.  Maybe. 1.  You can get medicare Part B, if you so elect, when you are 65 without penalty.   2.  There are rules for VA to pay your medica

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