Russell Ratuszny Insurance

   Your Veterans Health benefits are determined by the length of your service and discharge status. The benefits range from Tricare for life- for those who put their 20 in, and there others who also qualify. You can call to discuss your specific scenario. 
  Most veterans will qualify for standard VA benefits and each veterans benefits package is unique to them. So your benefits will depend on your priority group among other things.
   When it comes to Medicare, the VA encourages veterans to sign up for parts A and B- From the VA Web site >

Yes. We encourage you to sign up for Medicare as soon as you can. This is because:

• Having Medicare means you’re covered if you need to go to a non-VA hospital or doctor—so you have more options to choose from.
• Funding for VA health care could change in the future. We encourage you to sign up for every health care benefit that you’re eligible for so you have options if you need them.
• If you delay signing up for Medicare Part B (coverage for doctors and outpatient services) and then need to sign up later because you lose your VA health care benefits or need more choice in care options, you’ll pay a penalty. This penalty gets bigger each year you delay signing up—and you’ll pay it every year for the rest of your life.
• If you sign up for Medicare Part D (coverage for prescription drugs), you’ll be able to use it to get medicine from non-VA doctors and fill your prescriptions at your local pharmacy instead of through the VA mail-order service. There’s no penalty for delaying Medicare Part D as long as you enroll when you’re first eligible or within 63 days of when you no longer have VA health care or other creditable prescription drug coverage. Learn more about how to avoid the Part D penalty on the Medicare website<

Learn about Medicare advantage plans that can provide additional benefits and possibly qualify for a "give back" to your Social Security check.
Call Russ at 516 343 1905