Veterans have more coverage options than most people turning 65, which makes the decisions both better and more confusing. Work through these in order.
- Confirm your VA enrollment status and priority group.
- Enroll in Part A. It is usually premium-free.
- Decide on Part B. Remember VA coverage does not prevent the Part B penalty, and TRICARE For Life requires Part B.
- Decide on Part D. VA and TRICARE drug coverage are creditable, so you may not need it.
- Choose supplemental coverage, if any: Medigap or Medicare Advantage, unless you have TFL.
- Check your spouse's coverage. VA health care does not cover most spouses; CHAMPVA may apply in some cases.
Timing
Your Initial Enrollment Period is seven months around your 65th birthday; see the month-by-month timeline. Your Medigap open enrollment starts with Part B.
Getting help
VA benefits advisors can explain VA coverage; State Health Insurance Assistance Programs explain Medicare. For Medigap quotes in Washington or Florida, Maru Insurance is an independent licensed agency.
Questions people ask
Should veterans enroll in Part A?
Yes, it is usually premium-free.
Does VA care cover spouses?
Generally no; CHAMPVA covers some spouses of certain veterans.
When does a veteran's Medigap open enrollment start?
When Part B begins, as for anyone else.
Who can explain VA and Medicare together?
VA benefits advisors and State Health Insurance Assistance Programs.
Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.