How Medicare Works with TRICARE for Life

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If you have TriCare for Life or ChampVA it is my opinion and the opinion of the insurance company to which I have alluded, that you keep your TriCare or ChampVA, and keep Original Medicare. Do not trade your Medicare in for a Medicare Advantage Plan, do not trade your Tricare or ChampVA in for a Medicare supplement, and do not get a stand-alone Medicare Part D plan.
I believe you cannot improve on your healthcare by messing with your TriCare. If you replace your original Medicare with an Advantage plan you are actually reducing your insurance coverage and increasing your financial risk.
That’s the short answer. That’s my firm opinion.
Tricare For Life is Like a Medicare Supplement
For Tricare for Life to be active, you must also have original Medicare. That is Medicare Part A (inpatient coverage) and Medicare Part B (outpatient coverage). Original Medicare becomes your Primary insurer and with Tricare being secondary, just like a Medicare supplement plan. Tricare for life is premium free. You earned it.
The part of this that is most important and the reason I made this video is that Original Medicare, that red, white and blue Medicare card is your primary insurance.
Why is it important that original Medicare remain your primary insurance? Because you get to keep the benefits of original Medicare.
There are two benefits of original Medicare that are critical to your healthcare.
First, with original Medicare being your primary insurance, you are not limited to any network. You can see any doctor or visit any medical facility in the country as long they accept original Medicare. That’s pretty much every doctor and every medical facility in the US. or US territory. There are very few exceptions.
Second, no insurance company can interfere with your care. Your medical decisions are between you and your doctor. The goal of both Medicare and TriCare is to cover everything that is medically necessary. Your doctor does not need to get prior approval from the insurance company. You do not need to get a referral from your doctor if you wish to see a specialist. No insurance company can stall or prevent your medical treatment based on their internal rules. All medical decisions are between you and your doctor.
When you have Original Medicare, Tricare for Life and Medicare work hand in glove so that your annual maximum out-of-pocket financial risk is limited to near zero. In fact, the only expense for inpatient or outpatient services would be if TriCare approves a treatment that Medicare does not. I have never seen that, but I guess it’s possible. In that case TriCare will cover the service with a small potential out-of-pocket from you. Please see your TriCare benefit details online for specifics. I have a link to the government site below.
As I mentioned, TriCare for life is like a Medicare supplement Plan on steroids. In addition to the standard Medicare supplement benefits, your TriCare includes prescription drug coverage. You do not want to get a separate Medicare Part D plan. In fact, doing so can cause harm to your TriCare, especially ChampVA.
By the way, did you know that the drug coverage you have through TriCare is not subject to the expensive coverage gap that is a feature of Medicare Prescription drug coverage? You have no coverage gap, no donut hole like those with Part D have to deal with.
Tricare For Life & International Coverage
One of the enhanced benefits I like about TriCare is that it offers significant healthcare coverage overseas. Medicare only operates in the US and US territories. Some Medicare supplement plans offer limited emergency coverage if overseas. When you have TriCare for life and are visiting or have moved overseas, TriCare becomes your Primary Insurance for overseas healthcare. Very cool.
#Tricareforlife #ChampVA #MedigapSeminars

[@MedigapSeminars]

Please see www.tricare.mil/ for details on Tricare

[@user-yh6ec2bc3k]

I am 64 and will be under Medicare very soon. I went to the VA and there was a large insurance company (don't know that I can say their name) that was selling their "Heroes" Advantage Plan. I was confused because the agent insisted that his company processes TriCare and it was basically the same thing. In addition I would get dental care and $75 in my pocket every month. This same company was in the Keesler AFB Commissary selling the same Advantage Plan. Initially the agent said they worked with TriCare, so I thought they were Tricare. When I pressed them for answers, they admitted that they actually worked for a large insurance agency. Again, the same promises of increased benefits, and the claim that they actually handle TriCare claims. I think that I will be keeping my TriCare For Life. I really appreciate your honesty. Thank you.

[@MedigapSeminars]

I am glad you made the right decision. His comment "...his company processes TriCare and it was basically the same thing.' is 100% false. That company is marketing this stuff hard because of what they get out of it. Not what you get. Keep in mind, whenever you see an agent at a store, the VA or wherever, these are rookie agents with limited knowledge and no real experience. An established agent would never spend their time in such places hoping for business. This is why I made this video.

[@myfavoriteflutes9059]

Thank you so much for this. My wife and I have Tricare for Life with Medicare and we both have received all the come-ons from Medicare Advantage plan companies. I'd heard from fellow veterans that it doesn't get much better than TCL and Medicare but it's great to get this reinforcement. I really appreciate it.

[@uarisk]

Thanks Mathew, I am getting ready to sign up for Medicare and currently have Tricare. I have had all of my questions answered by your video. I was truly impressed with your honesty about how valuable my Tricare really is. I was also impressed with the way you encourage our veterans to not be fooled by unscrupulous insurance agents. Thanks for your valuable video.

[@MedigapSeminars]

you are welcome

[@geralyndaniel7359]

This is my second year with Medicare. When I sought out an advisor I was sold the Advantage Plan. I talked to two other advisors and they told me the Advantage plan was the best plan for me with my Tricare4Life. I have a new advisor now and she shared this video with me. Sadly, we missed the deadline this year to switch to original Medicare but next year we will take care of this. I treasure your honesty. Thank you SO much!!

[@MedigapSeminars]

You did not miss your window. You can switch to Original Medicare from January 01 through March 31 of each year. Call Medicare 1-800-MEDICARE they will do it for you.

[@lep32456]

Thank you for making this video. I’ve been specializing in helping people navigate Medicare for over 16 years. When I go into someone’s home, and they tell me they have TRICARE, I thank them for their service, and then I spend the next hour explaining to them why they don’t need anything else. With the exception of Medicare Part A & B.

[@amilcarvillanueva7469]

Outstanding video. This gentleman has summarized in less than 20 minutes just about everything you need to know regarding TFL and Medicare. Heed his advice!

[@MedigapSeminars]

Thank you

[@FranksPH]

As an agent, the thank you's I receive when I turn people on to listen to your vlogs is unbelievable. You demonstrate that doing and saying the right thing may not be easy for some, but it's the only thing to demonstrate. You practice great ethical business behaviors, and at 65 years old I am proud to say you are my teacher and hope to meet you some day. God bless you and please be safe.

[@MedigapSeminars]

Thank you. I appreciate your very kind comment.

[@edcluchey4105]

I second that comment above. You emulate “ INTERGRITY” which a lot of agents backslide on…it is with great Honor I “ Salute” you!

[@josephrogers5337]

I am 81, have TCL and Medicare, I have had a quad bypass, a tumor on my pitituary gland, bladder cancer and have paid almost nothing (under 100$). Even the hospital I used said i had great medical coverage. I will keep original medicare part a and b and TCL.

[@MedigapSeminars]

My father lived into his 90s, in part because of all the great healthcare he could get at little to no cost because of TFL. If it were a plan available to everyone, it would be the #1 selling Medicare supplement in the country. Glad you chose TFL and glad your still kicking!

[@keithmorris9465]

Great info. Have passed on numerous attempts to get me to switch to Medicare Advantage. But someone like you informed me of the commissions and suspect coverage. Thanks. I will share this valuable info.👍🏼🇺🇸

[@MedigapSeminars]

😊

[@cojack021484]

Thank you Sir for helping me understand this area of medical insurance coverage! I turned 65 July 2022. I’ve been totally confused on switching from Tricare to Medicare and Tricare for life. I’m a 22 year Army vet, and again I thank you for this excellent information! GOD bless you!

[@eagletransport]

Cannot thank you enough for making this video! It’s truly a service to the retired military community. I myself would be on an advantage plan had I not seen this video. Thanks again!

[@tonyvela123]

Thank you, sir, this video has been so informative. Not only that, I truly appreciate you for unselfishly having our "Six" and making veterans aware of the sales tactics that can cost us valuable benefits coverage. Semper Fidelis!

[@MedigapSeminars]

Thank you

[@Slowhiker-xw2kp]

Medicare and Tricare for life is the best coverage you can possibly get today! Great video, thanks!!!!!

[@wvldent]

I am a Medicare agent and I find your video extremely helpful I am also a veteran. Thank you!

[@chuckpotter1209]

I am expected to enroll in Medicare this month and confused about all the options, especially re. Part D since I need a specialty drug. This video is the best one online that explains how Tricare plays into all this, especially making the mistake of adding Part D. I also appreciate your honesty. Thank you and thanks to your USN father.

[@michaelromines7531]

Wow! By far you have been the most informative of all the other videos. This video answered the questions I had as being retired military. I wanted to know if I really needed part G and now I know I don't. I was already wary of Advantage plans and this video verified my suspicions. Thanks for this video!! I have other retired military buddies I will pass this on. Thank-You!!!

[@MedigapSeminars]

You are welcome, and please do share. There are way too many wolves out there.

[@joneshouse2]

You answered ALL my questions by simply letting me know that it doesn't get any better than Tricare for life. If it ain't broke don't fix it (or listen to the lies). Thank you so much, greatly appreciated.

[@MedigapSeminars]

Glad I could help

[@JoseRamos-Lopez]

Im a retired Army with 22 year of service. On January 1, 2024 I will start with Medicare and Tricare for life.This videos answered many questions that I have about Tricare for life and Medicare and also have 100% VA disability. Thank you great video.

[@MedigapSeminars]

you are welcome

[@747dude]

Thank you very much for this service to us "old soldiers." I am turning 65 in a few months and am receiving a ton of information about the changeover in coverage. This really clears things up!

[@sharonstroud7941]

Thank you! Thank you! this video is the most important video I have ever watched! I am so thankful your father was in the military and had Tricare for Life. I feel like that could have been your motivation for the video. Thank you for being so honest and concise about the difficult decisions about Medicare and Tricare!

[@MedigapSeminars]

You are welcome. And yes, my father and my respect for those who earned their TFL is my motivation for this. More and more insurance companies are targeting veterans to sell Advantage plans without discussing the negative impact it has on their choices. It's like a feeding frenzy. They even have specific training programs teaching military verbiage and how to counter common questions so that people think you have military experience and first hand knowledge. Please share this video to help protect others from the feeding frenzy.

[@frigginbeaner1354]

Excellent video. I have been an agent in New Mexico for over 22 years and licensed in 4 states. I can say with confidence that the information in this video is accurate and very well put. So much of our time is spent combating bad information on the market or fixing problems caused by agents who are uninformed. Keep up the great work.

[@juliescaparra2940]

Wow! Thank you so much. My husband is turning 65 in May and has been approved for A & B. He will have Tricare for life when he turns 65 and we were confused (not anymore) if we should get part D and we have been receiving tons of advertisements. This is an awesome video. Thank you for taking the time to make it.

[@MedigapSeminars]

You are welcome

[@KathyGutierrezlythauslvr]

You explained in a nutshell what I needed to do, calming my doubts about the need for Medicare C & D. As a military veteran, I have gained more knowledge and a greater understanding watching your 19:51 min/sec video than the many hours I've spent reviewing literature and reading official gov't websites. My head was spinning causing me to second guess myself. Never knew that paying for an advantage plan would lessen my already stellar Medicare Original and TriCare for Life healthcare insurance. I enjoyed hearing about your Veteran Dad and Mother as you spoke from the heart! Many thanks for your excellent presentation.

[@arepagan6714]

I came to the same conclusion after researching the options. However, I still had doubt and was hoping I had made the right decision. It turns out the simplest was the best choice. I was automatically enrolled in part A & B because I started collecting Social Security at 62. And that kicked off the auto enrollment for Tricare for Life. So I had to do nothing. Sweet! 😅 But having seen your video gave me the fuzzy feeling of closure. Thanks a million for the black and white clarity you've provided to many of us. God Bless!

[@SilverSergeant]

You just gained a new fan. Thanks for making this video. I think Medicare Part A, Medicare Part B, and Tricare For Life is a perfect combination for my wife and me. I see no down side at all.

[@ace1926]

Thank God I watched your Video. And here I am, I was planning to add Part D to my Tricare for Life - Silly me. Thank you for the info.

[@MedigapSeminars]

whew. Glad you watched this!

[@joemcniel3999]

Outstanding I'm 3 months from Medicare and you answered all my questions Thanks very much.

[@keithjones6945]

I suspected your premise to be true, but didn't have enough information to reason out the why. Your video was very informative and valuable. Thanks so much for your frank discussion and advice that benefits us, and not your profits. Your ethic is outstanding and your service to those who have served is awesome. Thanks so much.

[@samstone9498]

Thank you for the information. My Tricare for life starts in August and I've been getting tons of solicitations about advantage plans. You're doing a great service for folks that don't understand all of this.

[@MedigapSeminars]

You are very welcome!

[@ronaldgoodall3840]

Outstanding information coupled with a strong ethical stance. I served 30 years in the military and I truly appreciate this outstanding video. Thanks for protecting the men and women in uniform. I thank you!

[@MedigapSeminars]

You are welcome.

[@dlarson8698]

I'm going to add onto everyone else's comments. I too have been overwhelmed by the myriad of confusing information and direct contact I've gotten as I near my 65th birthday. I too am retired military and have Tricare standard that will convert to TFL when I turn 65. I too have seen all the wonderful benefits of the advantage plans and have been very skeptical. Its probably that I feel like I've been pushed to one direction that I wasn't sure I wanted or needed. When that happens, I usually back off entirely because I don't feel comfortable. Your video was exactly what I needed and provided the information I wanted in a no-pressure format. Thank You Very Much!

[@MedigapSeminars]

You are welcome. Sad, there is so much money (our tax money) in Medicare Advantage plans that it leads to greed and crooked sales practices.

[@user-ni5dl6wk4s]

Thanks for this video. One of the most important considerations would be the loss of control of my medical decisions. With a recent artery blockage I would not have wanted a delay in my heart cath waiting upon the insurance cover's approval. Thanks for emphasizing this most important factor in considering original Medicare vs Medicare Advantage.

[@MedigapSeminars]

you are welcome

[@laurag7565]

As a SHIP counselor in training I thank you for providing unbiased, ethical and easily understandable information about how our military health benefits work with Medicare. Kudos to you and thank you.

[@betodagraca]

Thank you for your honesty! I will pass it on to other retired veterans. God bless you!

[@barbwilk2710]

So glad I found your video. I was almost blinded by the shiny add ons. You brought the goal back in focus. BCBS agent was ready to sign me up yesterday. Said Tricare for life works great with medicare advantage because Tricare picks up the copays. I'd have 0 monthly premiums for Advantage, $50 a month reimbursement of my medicare payments making it ~$120 instead of ~170. Dental cleaning 2x a year, Eye exam and $100 on glasses, and Silver &Fit(gym membership). You really make me feel better about mankind!

[@MedigapSeminars]

Way too many agents have no idea of what they are selling or how it impacts TriCare for Life. I am glad you found the truth before it was too late.

[@marcpowers9890]

Thank you Matthew. Great info. I'm USAF retired and just turned 65. I've been bombarded with insurance offers this year. This time procrastination paid off. I'm staying with Medicare orignal and Tricare for life. I have dental thru insurance at work.

[@rencat63]

This clarified so many questions I had. I am so grateful to have stumbled upon this. Thank you for taking the time to produce this video.

[@MedigapSeminars]

You're welcome.

[@bairdd7]

Thank you so much! I am a military retiree and turn 65 next month. I have enrolled in Parts A & B and will have Tricare for Life as my secondary coverage. I’ve been concerned about the switch from Tricare Prime as this month ends. This video is extremely helpful and has reduced my stress over the switch. I too have been inundated with mail and email from insurance companies. It is comforting to know I have the best set up and don’t need anything else other than dental, which I have through my employer.

[@harryrodriguezjr8579]

Finally, someone honestly speaking the truth and nothing but the truth. Thanks for clearing this confusing transition. I feel so educated now.

[@AnnaVoss-i8h]

Thanks so much for this wonderful information.

[@MedigapSeminars]

You are welcome

[@TheShadowman68]

Awesome. Medicare/Tricare for Life user. VERY useful!! Wife wanted advantage for Silver Sneakers. I’ll just pay gym membership

[@MedigapSeminars]

It's frustrating how many sales people present advantage plans by promoting the bells and whistles, without discussing what you give up in return. I am glad she didn't take the bait.

[@heavyslim11]

Wow! Thank you. My spouse is retired, so we have Tricare. I've had BCBS for 30 years. Because of an injury, I will be medically laid off from my job and am eligible for Medicare on 11/1. I was scared to death because I'm still dealing with medical issues from the injury 2 years later. You cleared my mind and saved me money. I was literally on the HUMANA website about to make an account when I decided to KZbin my concerns first. Thank you, Sir. The next search is for this combo combined with me being a 100% rated VA-disabled Vet. I should have no worries at all. The video has been shared. Thanks again

[@MedigapSeminars]

I am glad my video helped you keep the best choice in healthcare.

[@cmonroe1]

This should be standard video for all military retirees goong to Medicare... Thank you

[@AtsukoSerenity]

Oh, Wow, thank you for the great information on Medicare with TRICARE for life! Amazing and very straight forward and detailed facts. Wish more like your company is in the industry!!! You are the Best Ever found in KZbin...Very much Appreciated!!!

[@TomStroschein]

Very helpful video for all military retirees on what to watch out for when signing up for Medicare as you are turning 65.

[@bobferrari2649]

Great info for military retirees! This is EXACTLY what I was wondering about as I approach age 65 and you have cleared up the murky waters. Thank you very much!

[@MedigapSeminars]

you are welcome

[@cac1463]

Thank you so much for this video! I recently had an agent try to sign me up for "free things," which actually was one of two advantage plans without explaining anything to me about Medicare, Tricare for Life, Advantage Plans, nothing about supplement plans. He just quickly threw out some costs of dental, vision, so fast that I couldn't even write it down. So I went on a search to find out what is best for me and to understand because this was like a foreign language to me. Your video cleared up a lot of things for me! You saved me from making a big mistake. Thank you so very much!!

[@MedigapSeminars]

Thank you for sharing. Your experience is exactly why I did this video. Any insurance agent that tries to sell a policy against TFL is, in my opinion, either greedy an immoral or totally ignorant. either way, they shouldn't be in my industry.

[@petermclaughlin8228]

What a relief! I believe what Matthew Claussen says. I know grassroots-level truth when I hear it and this video says it. Keeping it simple and straightforward without the sale pitch. Thank God for giving me a great career in the armed service as the benefits just keep on coming!

[@DD-yg2vr]

Thank you so much!! I am 64 now and scouring the internet for info and this is the BEST video I have seen!! Answers so many questions we have about all this!!

[@annanderson1758]

Thank you so much. I was medicare eligible last year after having Tricare with MOAA supplement since 1995 when my late husband retired. I viewed your You Tube videos and the information you presented was invaluable!! SHINE didn't want to deal with me (I think they didn't know enough about TFL and probably did me a favor NOT talking to me). I now have Medicare A&B along with my TFL. Everthing is paid 100% except for med that I get through ExpressScripts $12 for a 90 day supply. My MOAA supplement use to pick up this $12 co-pay. I pay more for meds now without the MOAA & I have to pay the Medicare premium every month. Odd Tricare has us paying more after retirement than before retirement but can't complain it is still better than any of my friends have. Thanks again!!

[@tomhall4080]

Thank you Sir! These video help me understand all about Medicare and my options as a retired veteran. I'm recommending this to all my veteran friends that are approaching 65.

[@MedigapSeminars]

You are welcome

[@dirkaloha]

Dude! I'm so grateful to you for explaining this. I'm turning 65 next year and was considering Kaiser for my medicare coverage, but now I'll just stick to medicare with tricare for life. Thanks, I'm passing this information to my buddies retired from the military.

[@californiaslastgasp6847]

Stay away from Kaiser (for many reasons).

[@jamesr8191]

Thank you for this informative video. I turn 65 in Oct and was feeling overwhelmed with all the mailings I have received so far.

[@Wichitan]

I'm retired Navy rapidly approaching age 65, so I've been digging in to understand what I need to do between TriCare and MediCare. I understand parts A and B and that I don't need part D. My question centered on Advantage plans -- which I'm receiving offers for daily at this point. Your video was great for helping me to understand staying away from what agencies WANT to sell me vs. the coverage I might need -- dental, vision, hearing, etc. Thanks!

[@MedigapSeminars]

You are very welcome. I am glad I could help.

[@gloriataruc8371]

This is the best explanation I can find on Tricare for life! I had been on Medicare advantage for the last three years and no one has been able to explain to me where Tricare fits in! Thank you so much! I need to call Tricare office to get more info! Thank you so much!

[@MedigapSeminars]

You are welcome. Thank you for the kind comment.

[@siimoagaloia532]

BLUF: timely sign up for Medicare A & B (a few months prior to your 65th bday), keep your TFL, do not sign up for Medicare Advantage Plan. Got it 👍🏽

[@georgeirrgang8981]

Thank you, this video has been very informative. As a retired veteran, I appreciate how you were looking out for all veterans. Thank you again.

[@carlamckenzie3521]

Thank you so much for this information! Thank you for being honest and explaining it so well! This was an awesome KZbin video!

[@jayfarrell8960]

5 months out for Medicare, this is the straight scoop I needed. Thank you.

[@waltanthony1372]

I'm just 2 months into Medicare. When medicare covers something they pay their part, then medicare sends the rest straight to tricare for life to have them pay the remainder. Very seemless, your doc only has to file with medicare to be paid. Very nice.

[@mitchell147625]

Matthew! Thank you! You are certainly God sent to us retired service members.

[@josei.medina9630]

Thank you, for the information that you are providing, is the exactly what I been telling my fellow veterans and retirees.

[@thewildgirl60]

I am a military retiree and have Tricare for Life. I've not traded my original Medicare and Tricare for Life and will not trade, I'll share this video with others. Thank you.

[@MagdaD0118]

Thank you. This video answered all of my questions and concerns.

[@donaldsmith4986]

Thanks for such an informative video, especially the objective reality the insurance business (and probably most other business) face in trying to stay in business. Cheers!

[@boldeagle43]

Thank you, sir, for your excellent information. I turn 65 next year and struggled with keeping an employee healthcare plan or opting for TFL. I will definitely be taking TFL. I will definitely be sharing this with my veteran friends.

[@kimberlyquick6979]

Thank you! Tricare for life!

[@denada4661]

Thank you so much for the invaluable information. This answered the number one question for me: original Medicare versus Medicare advantage, and you’ve made it perfectly clear that there is no advantage for a TRICARE eligible person to sign up for Medicare advantage. My only other question was I am older than my veteran sponsor, so I will be eligible for Medicare before him… What happens to me? But the website that you posted at the end of your video even answered that question, so thank you so much for creating this video. Extremely helpful!

[@MedigapSeminars]

You are very welcome!

[@marypeters7534]

Thank you for this video - I happened to see it while looking for another video and am so glad I did. Your down-to-earth and straight forward approach was refreshing and clear to understand.

[@Ahrobak]

Thank you so much. Just the info we were in need of. Thanks again.😊

[@MedigapSeminars]

I am glad to be of help.

[@user-zb2zq9yp3p]

Excellent video, very informative. My mother was duped into a Vantage Plan last year and ran into the issues you mentioned. She is now staying with us and I am working to get her back on track. Thank you very much for educating us on the facts.

[@MedigapSeminars]

Glad it was helpful!

[@BillMcCorkle]

What a wonderful presentation that cuts to the chase. Very informative and it answered all those suspicious questions that went through my mind about companies that do not tell you everything in order to get a commission . I wish everyone has a chance to see your video. You provide a great service to everyone! Thank you!!!

[@MedigapSeminars]

You are welcome Bill

[@kratz57x]

I'm a retired vet and soon to turn 65. Off and on for the last TWO YEARS I've been looking for info about TriCare/MediCare for Military retirees and always ran into somebody trying to sell me something. Making matter worse, the three players (Humana/TriCare, MediCare, and Social Security) are reluctant to discuss interoperability. The issues become almost impossible to navigate if you plan to use a Military medical facility after you turn 65. THIS VIDEO answered 90% of my questions in language even a dumba** grunt can understand. Thank you very much.

[@MedigapSeminars]

You are very welcome. Dang, I missed 10%!

[@michelegirard]

Thank you for confirming that I made the right choice. What a relief! The amount of junk mail and phone calls to seniors pushing MA plans while we're trying to navigate the Medicare/supplement choices is overwhelming, confusing and should be illegal.

[@kevinpaicely6137]

Thank you very much, most informative and helpful information I have received on this issue.

[@alancolwell9486]

Just found your video. Thank you very much for the information.

[@manolocalifas6488]

I am retired from military and found this information to be great! I have tricare prime, but at 65 tricare for life; i will keep original medicare!

[@user-ue8fk1qb9z]

Thank you for your in-depth presentation. I have watched and rewatched your video many times. I feel that you have armed me with the information to make an informed decision when I finally have to sign up for Medicare and elect coverage.

[@TimothyGlunt]

This helped to educate me regarding Tricare. The brief paragraphs that you receive in training are not practical to allow an agent to make a wise decision for their client.

[@robertpulvermacher6305]

Sir; my wife and I are 63 after a 20 year USAF career. I've started researching our upcoming Medicare/TFL journey. Thank you for providing the video. Topics that I found interesting; medical decisions under Medicare and an advantage plan, filing of payments, in network vs any doctor. Thank you.

[@mortpm9448]

Thanks for the video and good information. I am retired military and a nurse at a local VA hospital. As I am approaching retirement I have been doing my due diligence reading books and preparing for the future health care decision I must make. This video has been VERY helpful for me....thank you!!

[@MedigapSeminars]

You are welcome, Mort pm

[@wvldent]

Wonderful video. Thank you Larry Dent

[@MedigapSeminars]

Thank you, Larry

[@lharb704]

Thanks for doing this video. I'm getting close and had decided to go with traditional medicare + TFL and it's nice to get some confirmation & validation of that decision.

[@hankmcdonald3355]

Wow!!! The comments about Rx coverage was very informative and helpful Thank you so much for this commentary.

[@TorpedoMate]

Thank you very much. I'm going to share with all my military friends. Thank you again!!!

[@user-ch3zv2mf5u]

Thanks very much. Very helpful.

[@user-kt6ql2xm4z]

THis was not only information, but eye opening and the most clear explanation I've come across. Thank you.

[@reynagold]

Thank you thank you thank you!!! God bless you!😁

[@psellers01]

Thank you! Appreciate the honesty and information provided!

[@marynevin1512]

I thank you from the bottom of my heart. Husband served 22 years and turned 65 3 years ago. We were lost but did as you stated. I will be 65 soon and was concerned since i don't go to the VA for medical care, i didn't know what to do. Thank you!!

[@californiaslastgasp6847]

Your husband doesn’t need to go to the VA anymore. Perhaps you and him should go to the same doctors.

[@theresaprice2019]

Thank you for the information. I will be turning 65 this year 2023 and now have a better understanding of how TFL work. Your video has been very informative and much appreciated.

[@ericwilliams5266]

My question is concerning the fact I have part A Medicare and I have credible HMO coverage with my current employer. I am 65. My spouse is 41. I am a retired Navy veteran and currently still in my initial enrollment period for Part B. I am currently very healthy with no major health issues. Thank you for the excellent presentation as it is quite informative.

[@MedigapSeminars]

What is your question? If you have creditable employer coverage you can and should delay your Part B until you are ready to move to Medicare as your Primary coverage. Once you start your Part B you should decide on TFL if you are eligible. If not eligible, my suggestion is to look at supplement plans and Part D. All that said, it is very possible that Original Medicare + TFL or a supplement is MUCH better insurance coverage than your HMO. Depending on the generosity of your employer, it may be less costly too. If this impacts yours spouses health coverage, look into her alternatives and their cost too before making any decisions. HMOs are on the bottom rung of health insurance quality.

[@brianrjones5405]

Thank you. Very informative, very clear. We need more people who speak with clarity.

[@satxification]

Awesome video - explains why I am getting bombarded with so many post cards, letters and phone calls regarding medicare.

[@mannybuyshouses1797]

Thank you so much I am retired military currently on Tri Care and approaching 65 so was doing some research since receiving so much Medicare info. in the mail and came across your video, I will for sure pass it on.

[@jean-pierredejon7458]

Retired USAF approaching retirement age. My circuit breakers went off when I saw you vid. Wow! Before I retire I feel you have saved me from a costly and uninformed mistake. Thank you.

[@JuanMartinez-kn2qs]

You are very kind and thank you so much for your advice. God bless

[@therealrickdo]

Thank you for the video I’m turning 65 in 1.5 years so started to wonder about Tricare for life. Thanks for helping clear up the confusion!!

[@kathylaffitte2966]

Thank you! Thank you for clearing up the muddy waters regarding this topic. Appreciate your sincerity to help others!

[@loreleicanyon9776]

Thank you, was going to a seminar tomorrow about changing over from TCFL to an Advantage plan. You saved me a wasted night.

[@MedigapSeminars]

You are very welcome.