Many veterans leaving the service are unaware of the fact that they are still eligible in many cases for VA health care benefits. These benefits can be lifesaving for returning veterans, either to bridge the gap during the transition, or to care for service-related injuries. In other cases, veterans can be eligible even for injury or illness not service-related, but it can be confusing to figure out your eligibility.
Here are two main categories of veteran health benefits: senior benefits and discharged veterans medical benefits. If you are approaching retirement years, you have to file for your senior veterans benefits. However, if you are ill, or injured as a result of service, you are immediately eligible for health benefits from the Veterans Administration. You can apply online with the United States Department of Veteran Affairs for the fastest way to get your veterans health benefits.
Because there are only a limited number of VA hospitals, and all veterans getting health care through their VA benefits must use a VA hospital for their care, there could be a long wait for important health care. There are eight levels of enrollment priority for veterans that determine your spot in line waiting for health care services. They are:
On top of physical health benefits, your veterans benefits cover many psychological health benefits including help for victims of PTSD (post-traumatic stress disorder). To find your local PTSD programs you can visit the US Department of Veterans Affairs PTSD program locator. Other physical and mental health issues that may be covered by your local VA outpatient clinic are:
There are some medical services not provided through your VA benefits regardless of your priority level, or type of military service. The VA health benefits do not cover:
There are two helpful calculators to give you the information you need to determine your eligibility. You can fill out this questionnaire to see if you are within the time limits, and other requirements for veterans health benefits. To determine if you meet the financial limitations you can use this online calculator to make it easier to see if you are eligible for veterans health benefits.
When traveling, or moving to a new location, you will need to have your medical records to receive health care. You, or the hospital/doctor you transfer can obtain current medical records only from the VA hospital you previously received care from.
If you find the eligibility or services issues confusing, you can seek help from the American Legion, Veterans of Foreign Wars, AMVETS, Disabled American Veterans or the Veterans Health Council. Many of these organizations not only can help you determine your eligibility, but can also help you file for VA health care benefits, and get local assistance as well.
Join your local branch of a service organization like those listed above. They can provide additional information on your health care benefits, and also give you a place to find support, and others who can identify with the problems you face as a former service member.
We are in the unusual position of having too much LTC insurance. We always planned to eliminate some as soon as we figured out which policies were best to keep. We have had them 4-5 years and need to stop paying so much ! One set of policies is from Northwestern / 6 year policy and the other is from Genworth / Partnership policy so acts like a typical policy for 3 years then easily converts to medicaid. Would you have any reactions or thoughts to share ?