Medicare Advantage Plans for Veterans Who Use the VA

By Anthony Orner, Licensed Medicare Insurance Broker (NPN 20586791), licensed in NJ and 33 other states. Plan data from the CMS 2027 Plan Benefit Package and Landscape files dated 2026-10-03.

VA health care and Medicare are separate. The VA covers the care it provides and the community care it authorizes. Medicare covers care outside the VA, and you can have both.

If the VA handles most of your care, a Medicare Advantage plan can cover what the VA may not: civilian emergency rooms, which the VA pays for only in narrow cases, and doctors near home in the plan's network. Many plans also include dental, eyewear, hearing aids and an over-the-counter allowance. The VA already provides some of these to some veterans, hearing aids especially, so check what you get before paying for it twice. Dental is the big gap: most VA-enrolled veterans do not qualify for VA dental care (who does, and what VADIP costs). Some plans also lower the Part B premium Social Security takes from your check, and some leave out drug coverage for people who fill every prescription through the VA.

Enter your ZIP to see the individual Medicare Advantage plans sold in your county, by name, with the numbers from each plan's CMS filing side by side. Special-needs plans are not included.

See the 2027 Plans in Your ZIP Code

These are 2027 plans, the ones you can choose between October 15 and December 7, 2026, for coverage starting January 1, 2027. Plans you are in now can change on January 1, so compare even if you like yours.

Check These Before You Switch

• You have a Medicare Supplement. A Medicare Advantage plan replaces it, and in most states getting a Medigap policy back later means answering health questions, unless you are within a 12-month trial right. That trade is rarely worth a Part B reduction.
• You have TRICARE For Life or CHAMPVA. Both already pay after Medicare, so a plan may add less than it looks. Call us before you join anything.
• Medicaid or a Medicare Savings Program pays your Part B premium. Then nothing is taken from your check, and a Part B reduction lowers a bill you are not paying.
• You see civilian doctors. Outside emergencies, a Medicare Advantage plan has a network. Check that your doctors near home are in it.
• You fill prescriptions outside the VA. Pick a plan that includes drug coverage.

How the Part B Reduction Works

The plan pays part of your Part B premium, so Social Security deducts less from your monthly benefit. No check arrives, and the reduction stops the month you leave the plan. A plan can also charge a premium of its own, so compare the reduction with the plan premium, not the reduction alone. What the reductions are worth across the country.

Methodology. Plan names and premiums (Part C plus Part D, by plan segment) come from the CMS 2027 Medicare Advantage Landscape file; Part B premium reductions, drug coverage, out-of-pocket maximums and benefits come from the CMS 2027 Plan Benefit Package files. Dental, eyewear, hearing aids and the OTC allowance are shown as included only when CMS lists them as a mandatory benefit every member gets; optional add-ons that cost extra are labeled as such. The dental yearly maximum is shown only when the plan files it as one yearly amount for comprehensive dental that is not pooled with other benefits; we checked that reading against plans' own Summaries of Benefits. Other dollar limits are left to each plan's Summary of Benefits. Shown: individual HMO, HMO-POS, PPO, PFFS and Regional PPO plans. Left out: special-needs plans, which require Medicaid or a qualifying condition; Medical Savings Account plans, which people eligible for VA care cannot join; cost plans; and employer plans. Each ZIP is matched to its main county. The lookup covers the states we are licensed in. Source files dated 2026-10-03; lookup built 2026-10-13.

EasyKind Medicare is an independent brokerage. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs, Medicare or any government agency. Last updated: October 2026.