​How Medicare Can Work with Veteran Benefits

It’s time to explore your Medicare Options as a Veteran!

​Choosing the Medicare plan that meets your needs starts with knowing your benefits as a veteran. It can be a challenge to learn what options are out there and to figure out what will work alongside other benefits you might have, like your veteran benefits. I’m here to help make the process as simple as possible. We’ll work together to choose your plan with confidence and peace of mind. 
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" As an active drilling guardsman of the North Carolina National Guard - I am committed to bring the most effective coverage options to our veteran community. I salute your service." -Robert Pugh

New Plans For 2023

Information on 2023 Medicare plans available NOW!
October 15th - ​December 7th​
Medicare Part B Premium Credit
Thousands of Dollars In Dental, Vision, & Hearing Coverage
ZERO or Low Premium!

 Call or Text me at 828-230-7914 

Understanding Your Medicare Options

Original Medicare: Medicare Parts A & B and VA Healthcare
  • Medicare Part A helps cover hospital, skilled nursing, home health and hospice care.
  • Medicare Part B helps cover doctor visits, outpatient, and preventive care.
  • Original Medicare covers services at non-VA facilities.
  • Be sure to enroll in Part B when first eligible. If you enroll late, you’ll pay a penalty that increases each month you delay.
  • VA healthcare covers services at VA facilities and with VA-contracted providers.



​Original Medicare with TRICARE for Life (TFL) and CHAMPVA
  • Coordination of billing TFL and CHAMPVA is not required with Original Medicare.
  • You have the flexibility to see any provider that accepts Original Medicare.
Medicare Part C: Medicare Advantage and VA healthcare
  • Medicare Advantage - or Part C - covers everything Original Medicare covers and may offer additional coverage.
  • Enrolling in a Medicare Advantage plan will not take away your VA healthcare, and the plans remain separate.
  • Your VA Healthcare covers services at non-VA facilities, while MA may cover services at non-VA providers.
Medicare Advantage and TFL, CHAMPVA
  • TFL and CHAMPVA may help cover in-network copays, but billing must be coordinated by you and your providers.
  • If you enroll in a Medicare Advantage plan, it will become your primary coverage, TFL or CHAMPVA will be secondary and you must see providers in the Medicare Advantage plan network.
  • A Medicare Advantage plan may only be an option if TFL and CHAMPVA beneficiaries can coordinate billing and plan to stay in the MA plan’s network for their care. 
Medicare Part D: Medicare Part D, TFL, CHAMPVA, and VA healthcare
  • Prescription drug plans (PDPs) are offered by private companies.
  • With VA Healthcare, TFL or CHAMPVA you already have prescription medication coverage.
  • If you have VA healthcare and don’t sign up for a PDP, you can enroll later without a penalty.
  • TFL and CHAMPVA do not have a drug coverage gap and is a more comprehensive option than a PDP or Medicare Advantage prescription drug (MAPD) plan.
Medicare Part B Premium Credit
  • The Part B "Giveback" -  Medicare Advantage plans include a Part B giveback benefit to reduce your monthly Medicare Part B premium through a credit to your Social Security check.  It's available to everyone and may be a good fit for veterans.