WELCOME TO ANTHONY'S HEALTHCARE

My Mission

My Goal, My Commitment

My Mission: is to serve with honesty, compassion, and clarity—helping you understand your healthcare options without pressure or confusion.

My Goal: is to guide you toward coverage that fits your needs, your budget, and your life.

My Commitment: is to always put people before plans, protect your privacy, and walk with you every step of the way—today and in the years to come.

What Is a SOA (Scope Of Appointment)
And Why Is Needed?

Completing A Scope of Appointment Allows Me To Discuss Medicare Plan Options With You. It Does Not Authorize Any Changes To Your Current Plan, And Your Information Is Kept Private And Never Sold Or Traded.

Please Complete Form

Give Me Permission

What’s The Difference

Between An HMO and a PPO

Thank You Veterans!

Questions And Answers About Medicare

Big Picture First

Both HMO and PPO are types of Medicare Advantage (Part C) plans.
They replace Original Medicare (Part A & Part B) and usually include:

Hospital coverage
Medical coverage
Often Part D (prescription drugs)
Extra benefits like dental, vision, hearing, OTC, transportation, and more

The main difference comes down to how much freedom you have in choosing doctors and how care is coordinated.

Medicare HMO (Health Maintenance Organization)

An HMO is a managed, coordinated care plan.

How it works

With an HMO, you:

Choose a Primary Care Physician (PCP)
Your PCP coordinates your care
Specialists usually require a referral
Care is meant to stay inside the plan’s network

Think of it as a hub-and-spoke system:
Your PCP is the hub, and everything flows through them.

Doctor & hospital access

You must use in-network doctors and hospitals
Out-of-network care is generally not covered
- Except for emergencies or urgently needed care

Referrals & care coordination

Referrals are usually required for specialists
This helps:
- Control costs
- Avoid duplicated services
- Keep all providers on the same page

For many seniors, especially those with chronic conditions, this coordination can be a big plus.

Cost structure

HMOs often have:

Lower monthly premiums
Lower copays for doctor visits
Predictable out-of-pocket costs

Because the plan tightly manages care, it can keep costs down.

Who an HMO is best for

An HMO is often a great fit for someone who:

Is comfortable using a local network of doctors
Already has a PCP they trust in-network
Wants lower costs and simplicity
Doesn’t mind referrals
Lives mostly in one area

HMOs are very popular with:

Dual-eligible (Medicare & Medicaid) members
LIS recipients
Members in C-SNP and D-SNP plans

Medicare PPO (Preferred Provider Organization)

A PPO offers more flexibility and independence.

How it works

With a PPO, you:

Do not need to select a PCP
Do not need referrals to see specialists
Can go in-network or out-of-network

You’re more in control of where and how you get care.

Doctor & hospital access

In-network care costs less
Out-of-network care is usually covered but costs more
You can see specialists directly without permission

This flexibility is one of the biggest reasons people choose PPOs.

Referrals & care coordination

No referrals required
You manage your own care path

This is great for people who:

Already know which specialists they want
Travel frequently
Split time between states

Cost structure

PPOs often have:

Higher premiums (sometimes)
Higher copays or coinsurance
Higher maximum out-of-pocket limits

You’re paying for flexibility.

Who a PPO is best for

A PPO is often ideal for someone who:

Wants freedom of choice
Travels or lives in multiple locations
Has doctors they don’t want to give up
Wants direct access to specialists
Is comfortable managing their own care

Emergency & Urgent Care (Both Plans)

This is important and often misunderstood:

Emergency care is covered anywhere in the U.S.
Urgent care is covered even out of network
No referrals needed for emergencies

This applies to both HMOs and PPOs.

The Real-World Difference

HMO: “Lower cost, more coordination, local care, everything runs through your PCP.”
PPO: “More freedom, more flexibility, higher cost, you’re in the driver’s seat.”

Neither is “better” universally—the right plan depends on how you uses healthcare.

Veterans & Military Families:

Understanding CHAMPVA, TRICARE, TRICARE for Life

And Medicare Advantage (Part C)

Many veterans and military families are confused about whether enrolling in a Medicare Advantage (Part C) plan will interfere with their CHAMPVA or TRICARE benefits. The good news is: in most cases, it does NOT—but there are important rules to follow.

CHAMPVA (Civilian Health and Medical Program of the VA)

Who CHAMPVA Is For

CHAMPVA is for spouses and dependents of:

Veterans rated 100% permanently and totally disabled by the VA, or
Veterans who died from a service-connected condition

⚠️ CHAMPVA Is NOT VA Health Care And Is NOT TRICARE.

CHAMPVA + Medicare (REQUIRED RULES)

If you qualify for Medicare:

✅ You must enroll in Medicare Part A
✅ You must enroll in Medicare Part B
❌ If you drop Part B, you lose CHAMPVA

Once enrolled:

Medicare pays first
CHAMPVA pays second (as secondary insurance).

Can You Lose CHAMPVA If You Get a Medicare Advantage Plan?

What Is True

Enrolling in a Medicare Advantage plan does NOT Cancel CHAMPVA
CHAMPVA eligibility is based on:
- The veteran’s service-connected status
- The beneficiary’s relationship to the veteran
Medicare Advantage enrollment does not change CHAMPVA eligibility

🚫 What Can Cause You to Lose CHAMPVA

You May Lose CHAMPVA If:

❌ You are not enrolled in Medicare Part B (when required)
❌ You lose eligibility tied to the veteran’s status
❌ Required Medicare enrollment rules are not followed

⚠️ Medicare Advantage alone does not remove CHAMPVA.

How Coverage Works: Medicare Advantage + CHAMPVA

Medicare Advantage pays first
CHAMPVA generally pays second
CHAMPVA only pays for services it covers
CHAMPVA does not change benefits because of Medicare Advantage extras.

Important CHAMPVA Rule (Very Important)

If you are eligible for Medicare, CHAMPVA generally requires enrollment in:

Medicare Part A, and
Medicare Part B

Failing to maintain Part B can result in loss of CHAMPVA coverage, regardless of Medicare Advantage enrollment.

Enrolling in a Medicare Advantage plan does not cancel CHAMPVA. CHAMPVA coverage continues as long as Medicare Part A and Part B requirements and CHAMPVA eligibility rules are met.

CHAMPVA & Medicare Part B — Is Part B Required?

✅ Yes. In most cases, Medicare Part B is required to keep CHAMPVA once a person becomes eligible for Medicare.

This rule applies whether or not the person enrolls in a Medicare Advantage plan.

Is Medicare Part B Required for CHAMPVA

You must be enrolled in Medicare Part B to keep CHAMPVA if:

You become eligible for Medicare at age 65, or
You qualify for Medicare due to disability

If You Do Not Enroll In Part B When Required, CHAMPVA Coverage Can Be Suspended Or Terminated.

When Part B May NOT Be Required (Limited Exceptions)

Part B may not be required if:

You became eligible for Medicare before June 5, 2001, or
You qualify for Medicare due to End-Stage Renal Disease (ESRD) only

⚠️ These are limited exceptions and do not apply to most people.

Important Clarification

This Part B requirement exists even if you keep Original Medicare
It exists even if you never enroll in a Medicare Advantage plan
Medicare Advantage does not change this rule

CHAMPVA generally requires enrollment in Medicare Part B once a person becomes eligible for Medicare,

regardless of whether they enroll in a Medicare Advantage plan.

CHAMPVA Eligibility Checklist

Use this checklist to help determine if you may qualify for CHAMPVA health coverage.

Veteran Eligibility (Must Meet ONE)

☐ Veteran is rated 100% permanent and total service-connected disabled by the VA
☐ Veteran died from a service-connected condition
☐ Veteran died while rated permanently and totally disabled
☐ Veteran is missing in action or prisoner of war

Spouse / Dependent Eligibility

☐ You are the spouse or surviving spouse of an eligible veteran
☐ You are a dependent child of an eligible veteran
☐ You are not eligible for TRICARE

Medicare Requirements (Very Important)

☐ If eligible for Medicare, you are enrolled in Medicare Part A
☐ If required, you are enrolled in Medicare Part B

⚠️ Failure to enroll in Part B when required can result in loss of CHAMPVA, even without a Medicare Advantage plan.

What Happens If You Have CHAMPVA or TRICARE for Life, Enroll in Medicare Advantage, and Only Use VA Doctors?

Short Answer

👉 Nothing changes at the VA.
Your VA care continues exactly the same, and the Medicare Advantage plan is not used when you receive care at VA facilities.

How Billing Works (Very Important)

VA Doctors & Facilities

VA care is provided under VA eligibility, not Medicare
Medicare Advantage is not billed
TRICARE for Life and CHAMPVA are not billed
You typically have no copays beyond VA rules

The Medicare Advantage plan simply sits in the background.

What the Medicare Advantage Plan Is (In This Case)

It remains active
Monthly premium (if any) still applies
Extra benefits (dental, vision, OTC, etc.) are unused
Network rules do not matter if you never use outside providers.

CHAMPVA vs TRICARE for Life (Important Distinction)

TRICARE for Life

Applies to care outside the VA
Does not apply to VA-provided care
Still requires Medicare Parts A & B.

CHAMPVA

Also applies to non-VA providers
Does not apply to VA care
Requires Medicare Part B when applicable.

Potential Downsides to Know

You may be paying for a Medicare Advantage plan you never use
Some plans require prior authorization for outside care (not relevant if you don’t use it)
Prescription coverage under VA remains separate

If you only use VA doctors, enrolling in a Medicare Advantage plan does not affect your VA care. The Medicare Advantage plan is not billed for VA services and provides no added benefit unless you use non-VA providers.

Disclaimer

VA health care, Medicare, CHAMPVA, and TRICARE for Life are separate programs with different rules. Coverage and coordination are determined by the U.S. Department of Veterans Affairs, Medicare, and the Department of Defense. Information is for educational purposes only.

Do I Still Receive Medicare Advantage Plan Benefits, Including

Part B Giveback and OTC, Dental Etc.

If I Use VA Coverage?

Yes, if your Medicare Advantage plan includes a Part B premium reduction, it usually still applies
The giveback is applied to your Social Security check, not to VA care
You do not have to use the plan’s doctors to receive the giveback

It may take 1–3 months after enrollment to appear.

OTC Allowance

Usually NO, if you never use the plan
Most plans require:
- Plan activation
- Using the plan’s OTC card or catalog
- Sometimes a completed health assessment

If you don’t engage the plan, OTC benefits may expire unused.

Dental, Vision, Hearing

NO, unless you:
- Use the plan’s network providers
- Follow plan authorization rules

VA care does not trigger these benefits.

Transportation, Meals, Wellness

NO, unless:
- You use the plan’s medical services
- You meet plan-specific requirements

These benefits are tied to plan usage, not VA care.

Why This Happens (Plain English)

VA care is separate from Medicare
Medicare Advantage benefits are only activated when the plan is used
Using only VA providers = the plan sits idle.

Medicare Advantage benefits such as OTC, dental, vision, and transportation are only available when the plan is used. If you receive care exclusively through the VA, most Medicare Advantage extra benefits will not apply,

except for Part B premium reductions if offered.

What Does “Use The Medicare Advantage Plan” Actually Mean?

To stay in good standing and access Medicare Advantage benefits, a person must do some or all of the following, depending on the benefit.

Stay Actively Enrolled (Required for Everything)

You must:

Remain enrolled in the Medicare Advantage plan
Keep Medicare Part A and Part B
Pay any required monthly plan premium (if applicable)

✅ This keeps the plan active
❌ This alone does not activate most extra benefits.

Complete Required Plan Activation Steps (Very Common)

Many plans require:

Answering a welcome call from the plan
Completing a health risk assessment (HRA) (phone, online, or mail)
Activating your member account or OTC card

If these steps are skipped, OTC and supplemental benefits may not unlock.

Use an In-Network Doctor or Provider (Key Step)

For most benefits, you must:

See a doctor, specialist, or provider in the plan’s network
Follow plan rules (referrals for HMO, authorizations if required)

Examples:

Dental benefits → must use plan’s dental network
Vision benefits → must use plan’s vision provider
Hearing aids → must use plan-approved vendor

Using VA doctors does not count as using the Medicare Advantage plan.

Follow Plan Rules for Extra Benefits

OTC Benefits

You usually must:

Activate your OTC card
Order through the plan’s portal, app, phone line, or catalog
Use the allowance within the allowed time frame

Unused OTC benefits often expire.

Transportation, Meals, Fitness

Often require:

Prior authorization
A qualifying medical visit
Scheduling through the plan’s vendor

Prescription Coverage (If Included)

If the plan includes drug coverage:

Prescriptions must be filled at plan-participating pharmacies
VA pharmacy usage does not activate plan drug benefits

What Does NOT Count as Using the Plan

❌ Only using VA doctors
❌ Only having the plan on paper
❌ Only paying the premium
❌ Only having CHAMPVA or TRICARE pay second

To use Medicare Advantage benefits, members must stay enrolled, complete plan activation steps, and receive care or services through the plan’s network. VA-only care does not activate Medicare Advantage benefits.

Official CHAMPVA Contact Information

CHAMPVA Website:
https://www.va.gov/health-care/family-caregiver-benefits/champva/

CHAMPVA Phone:
📞 1-800-733-8387

Hours:
Monday–Friday, 8:05 AM – 7:30 PM (ET)

Website Disclaimer

Eligibility and coverage are determined by CHAMPVA, Medicare, and federal regulations. Information is for educational purposes only and does not guarantee coverage. Anthony’s Healthcare is not affiliated with CHAMPVA, Medicare, or the Department of Veterans Affairs.

Veterans Without CHAMPVA or TRICARE

If You:

Are a Veteran
Use VA care
Do not have CHAMPVA or TRICARE.

Then: Medicare Advantage Can Be A Great Option

Why?

Use VA for service-connected care
Use Medicare Advantage for:
- Civilian doctors
- Specialists
- Dental, vision, hearing
- OTC benefits
- Transportation
- Part B premium reductions

VA care and Medicare Advantage Do Not Conflict.

Are Medicare Advantage Plans Safe for Veterans?

✅ YES — When Chosen Correctly

They Are:

Regulated by CMS (Medicare)
Offered by major insurers (Humana, UHC, Aetna, Devoted, etc.)
Renewed annually
Not allowed to cancel you for health reasons

The key is:
Choosing The Right Plan For Your Specific Veteran Benefit.

Need Help Understanding Your Options?

Call Anthony’s Healthcare – Your Medicare Guide

Reach Out Anytime — I’d Be Happy To Help.

(Education only. No obligation.)

Disclosure

Asset limits and eligibility requirements are determined by state guidelines and may change. This information is for educational purposes only and does not guarantee eligibility.

Anthony’s Healthcare is not affiliated with Medicare or the State of Florida. Eligibility for Medicaid, Medicare Savings Programs, or Dual Eligible Special Needs Plans is determined by the state or Medicare. Information provided is for educational purposes only and does not guarantee eligibility or enrollment.

Veteran Resources & Support

Help Is Available — You Are Not Alone

Veterans and their families have access to many trusted national resources that provide support for mental health, suicide prevention, food assistance, housing help, and everyday living needs. Below are verified organizations and programs created specifically to support veterans.

🛑 Suicide Prevention & Crisis Support (Veterans)

Veterans Crisis Line

Confidential, 24/7 support for veterans and their families

📞 Call: 988, then press 1
💬 Text: 838255
🌐 Website:
https://www.veteranscrisisline.net

Who It Helps:
Veterans in emotional distress, suicidal thoughts, crisis situations, or those worried about a fellow veteran.

*Mental Health, PTSD & Emotional Support

VA Mental Health Services

Counseling, PTSD treatment, substance use support

📞 VA 800-698-2411
Hours: 24/7
🌐 Website:
https://www.va.gov/health-care/health-needs-conditions/mental-health/ptsd/

Includes:

PTSD treatment programs
Individual and group counseling
Telehealth mental health services
Support for depression, anxiety, and trauma.

*National Center For PTSD (VA)

Education, tools, and treatment options for PTSD

📞 VA PTSD Information Line: 802-296-6300
🌐 Website:
https://www.ptsd.va.gov

Resources include:

PTSD self-help tools
Treatment explanations
Support for families of veterans
Help understanding symptoms and next steps.

*What Is The VA MISSION Act?

The VA MISSION Act of 2018 allows eligible veterans to receive medical care from approved community (non-VA) providers when VA care is not readily available or does not meet access standards.

MISSION Act care may be used when:

The VA cannot schedule care within required time or distance standards
The veteran lives far from a VA facility
The VA provider determines community care is clinically appropriate
Emergency or urgent care is needed

⚠️ Important: Care generally must be authorized by the VA unless it is emergency or urgent care.

Emergency or Urgent Care — The 72-Hour Rule

If a veteran receives emergency or urgent care outside the VA, the VA (or its contractor) must be notified within 72 hours of the visit so the VA can consider payment and follow-up care.

Failure to notify within this window may result in the veteran being responsible for the bill.

Phone:
📞 1-844-724-7842
(Available 24/7 for urgent and emergency notifications)

Official VA MISSION Act Website (Primary)

VA MISSION Act Overview:
👉 https://www.va.gov/communitycare/programs/veterans/mission_act.asp

This is the main VA page explaining:

Eligibility
Community care access standards
Authorization rules
Veteran responsibilities
Emergency and urgent care rules

What to Have Ready When You Call

Veteran’s full name and date of birth
Date and location of the emergency or urgent care visit
Facility name (hospital, ER, urgent care)
Reason for the visit

Important Notes for Veterans

Emergency care should never be delayed to seek authorization
Notification is required after care, within 72 hours
Coverage and payment depend on VA eligibility and circumstances
Always follow up with the VA or Humana for next steps

Website Disclaimer

Information is for educational purposes only. Eligibility, authorization, and payment decisions are determined by the U.S. Department of Veterans Affairs and its contractors. Anthony’s Healthcare is not affiliated with the VA or Humana.

*What Is The PACT Act For Veterans?

The PACT Act (Promise to Address Comprehensive Toxics Act of 2022) is a law that expanded VA health care and disability benefits for veterans who were exposed to toxic substances during military service.

It helps veterans receive care and benefits without having to prove direct service connection for certain conditions.

Who the PACT Act Helps

The PACT Act applies to veterans who served in locations or situations involving toxic exposure, including:

Burn pits
Agent Orange exposure
Radiation exposure
Other environmental hazards

This Includes Veterans From:

Vietnam War
Gulf War
Post-9/11 conflicts
Certain Cold War locations.

What the PACT Act Provides

Expanded VA Health Care

Access to VA health care for eligible veterans exposed to toxins
Preventive care, screenings, and treatment related to toxic exposure

Presumptive Conditions

Added many cancers and respiratory illnesses as presumptive conditions
Veterans do not need to prove a direct link between service and illness for these conditions

Expanded Disability Benefits

Veterans may qualify for VA disability compensation
Survivors may qualify for Dependency and Indemnity Compensation (DIC)

Examples of Conditions Covered (Not a Complete List)

Asthma, bronchitis, COPD
Chronic sinusitis and rhinitis
Various cancers (including respiratory and digestive cancers)
Certain heart and neurological conditions.

How Veterans Apply

Website:
https://www.va.gov/PACT

VA Benefits Phone:
📞 1-800-827-1000

Hours:
Monday–Friday, 8:00 AM – 9:00 PM (ET)

Veterans can:

File a claim for benefits
Enroll in VA health care
Submit an intent to file
Get help from an accredited representative.

Important Notes

Veterans can apply even if previously denied
Filing an Intent to File may preserve an earlier effective date
Benefits depend on service history, diagnosis, and VA determination

Website Disclaimer

Eligibility and benefits are determined by the U.S. Department of Veterans Affairs. Information is for educational purposes only and does not guarantee benefits. Anthony’s Healthcare is not affiliated with the U.S. Department of Veterans Affairs.

*Senior Helpers

Who They Serve
Senior Helpers is a non-medical, in-home care organization that supports seniors and adults who need help remaining independent at home. Services are provided through locally owned offices, so availability may vary by location.

Assistance They Provide

Help with daily activities (bathing, dressing, grooming)
Companionship and supervision
Meal preparation and light housekeeping
Medication reminders
Mobility and transfer assistance
Specialized care programs for Alzheimer’s, dementia, Parkinson’s, and chronic conditions
Respite care for family caregivers

⚠️ Senior Helpers does not provide medical or skilled nursing care.

Contact Information

Website:
https://www.seniorhelpers.com

Phone (National Office / Location Finder):
📞 1-800-748-2057

You will be connected to a local Senior Helpers office based on your ZIP code.

Text Messaging:
❌ Text support is not universally available (varies by local office)

Hours of Operation

🕘 Office hours vary by location
Many local offices operate:

Monday–Friday, 9:00 AM – 5:00 PM
Some locations offer 24/7 care services.

Payment & Coverage Notes

Services are typically private pay
Some long-term care insurance plans may be accepted
Coverage depends on the local office and individual policy.

Important Note

Senior Helpers is a private home care organization. Services, availability, and payment options vary by location. Anthony’s Healthcare is not affiliated with Senior Helpers.

*Transportation Assistance For Veterans

(Including Uber & Lyft)

Does the VA Provide Uber or Lyft Rides?

Yes — in certain situations.
The VA partners with Uber and Lyft through a program commonly called VA Rideshare / Rideshare Connect to help eligible veterans get to VA-authorized medical appointments when they lack transportation.

⚠️ This is not unlimited free rides and must be coordinated through the VA or a VA facility.

VA Rideshare (Uber & Lyft)

What This Program Covers

Transportation to VA medical appointments
Used when a veteran cannot drive or lacks reliable transportation
Rides are arranged by the VA, not directly by the veteran

Key Points

No smartphone required (VA can arrange rides)
Ride availability depends on VA facility participation
Rides are for medical appointments only
Not for personal errands or non-VA care unless authorized

Website:
https://www.va.gov/health-care/get-reimbursed-for-travel-pay/

VA Benefits & Travel Office Phone:
📞 1-800-827-1000

Hours:
Monday–Friday, 8:00 AM – 9:00 PM (ET)

*Beneficiary Travel Program (VA Transportation Program)

What This Program Does
May reimburse or arrange transportation for eligible veterans traveling to:

VA health care appointments
VA-authorized community care appointments

Transportation Options May Include:

Mileage reimbursement
Shuttle services
Public transportation
Uber or Lyft (through VA coordination)

Website:
https://www.va.gov/health-care/get-reimbursed-for-travel-pay/

Veteran Transportation Service (VTS)

What This Program Does
Provides non-emergency transportation to and from VA medical facilities using:

VA shuttles
Community transportation partners
Volunteer drivers
Coordinated rideshare when available.

How to Access
Veterans must contact:

Their local VA medical center
Or the VA Beneficiary Travel office

VA Main Line:
📞 1-800-827-1000

*Uber & Lyft Apps (General Information)

⚠️ Veterans do NOT sign up through Uber or Lyft for VA rides.
However, for reference:

Uber App: https://www.uber.com
Lyft App: https://www.lyft.com

VA-coordinated rides may be arranged without the veteran using the app.

Important Notes (Very Important)

Uber/Lyft rides are not guaranteed
Availability varies by VA location
Rides must be for VA-approved medical care
Veterans should request transportation before their appointment.

Website Disclaimer

Transportation assistance is provided at the discretion of the U.S. Department of Veterans Affairs and participating partners. Availability and eligibility vary by location. Information is for educational purposes only. Anthony’s Healthcare is not affiliated with the VA, Uber, or Lyft.

*VA Homemaker & Home Health Aide (H/HHA) Program

What This Program Does
Provides in-home assistance through a VA-approved agency for veterans who need help with daily living but do not require full nursing home care.

Services May Include

Help with bathing, dressing, grooming
Light housekeeping
Meal preparation
Medication reminders
Assistance with mobility

⚠️ Care is arranged through the VA, not hired independently by the veteran.

Website:
https://www.va.gov/geriatrics/pages/Homemaker_and_Home_Health_Aide.asp

VA Benefits Phone:
📞 1-800-827-1000

Hours:
Monday–Friday, 8:00 AM – 9:00 PM (ET.)

*Aid & Attendance (A&A) Pension Benefit

What This Benefit Does
Aid & Attendance is a monthly financial benefit added to a VA pension that may help pay for:

In-home caregivers
Assisted living facilities
Help with activities of daily living

This benefit does allow funds to be used toward hiring assistance, depending on eligibility.

Who May Qualify

Veterans or surviving spouses
Must need help with daily activities
Must meet income, asset, and service requirements

Website:
https://www.va.gov/pension/aid-attendance-housebound/

VA Benefits Phone:
📞 1-800-827-1000

*VA Caregiver Support Program (Family Caregivers)

What This Program Does
Supports family members or caregivers who assist eligible veterans at home.

Support May Include

Caregiver education and training
Mental health counseling
Caregiver support coordination
In some cases, stipends (program-specific)

Website:
https://www.va.gov/family-member-benefits/caregiver-support/

Caregiver Support Line:
📞 1-855-260-3274

Hours:
Monday–Friday, 8:00 AM – 8:00 PM (ET)

Important Notes (VA-Accurate)

Not all veterans qualify for all programs
Some programs require VA enrollment and clinical approval
Hiring private caregivers independently is not automatically covered
Eligibility and services are determined by the VA.

Website Disclaimer

VA benefits, eligibility, and services are determined by the U.S. Department of Veterans Affairs. Information provided is for educational purposes only and does not guarantee benefits or coverage. Anthony’s Healthcare is not affiliated with the U.S. Department of Veterans Affairs.

*Tunnels to Towers Foundation (T2T)

Who They Help
Tunnels to Towers supports military veterans, first responders, and their families—especially those who are injured, catastrophically ill, or have lost a loved one in the line of duty.

What Assistance They Provide

🏠 Mortgage-Free Homes for Gold Star families and fallen first responders’ families
♿ Smart Homes for catastrophically injured veterans and first responders
🧑‍🎓 Education & Scholarship Programs for surviving spouses and children
🛠️ Homeless Veteran Support through housing initiatives
🇺🇸 Financial and housing stability programs for eligible families

Assistance is based on eligibility requirements set by the Tunnels to Towers Foundation.

Contact Information

Website:
https://t2t.org

Phone Number:
📞 718-987-1931

Text Messaging:
❌ Text support is not currently available

Email (General Inquiries):
📧 info@t2t.org

Hours of Operation

🕘 Monday – Friday
🕔 9:00 AM – 5:00 PM (Eastern Time)
Closed on weekends and federal holidays.

Important Information

Tunnels to Towers Foundation is a nonprofit organization. Program availability, eligibility requirements, and assistance offerings may vary. Anthony’s Healthcare is not affiliated with the Tunnels to Towers Foundation.

🗣 *Peer Support & Veteran-To-Veteran Help

Vet Centers

Confidential counseling outside of traditional VA hospitals

📞 Vet Center Call Center: 877-927-8387
🌐 Website:
https://www.vetcenter.va.gov

Services include:

Combat veteran counseling
Military Sexual Trauma (MST) support
Family and relationship counseling
Community-based locations.

🍎 *Food Assistance & Financial Help

SNAP & Food Assistance for Veterans

Help Paying For Groceries

📞 SNAP Information: 800-221-5689
🌐 Website:
https://www.benefits.gov/benefit/361

Veterans May Qualify For:

SNAP (food stamps)
State-based food programs
Emergency food assistance.

*Feeding America – Veteran Food Programs

Local Food Banks And Meal Programs

📞 Phone: 800-771-2303
🌐 Website:
https://www.feedingamerica.org

Search by ZIP code for:

Food pantries
Mobile food distributions
Veteran-focused food support.

🏠 *Housing & Utility Assistance

VA Homeless Programs

Housing Stability And Prevention Services

📞 National Call Center for Homeless Veterans: 877-424-3838
🌐 Website:
https://www.va.gov/homeless

Includes:

Emergency housing
Rental assistance
Utility help
Supportive housing programs.

💼 *Benefits, Compensation & Daily Living Help

VA Benefits & Services

Central Hub For All VA Benefits

📞 VA Benefits Hotline: 800-827-1000
🌐 Website:
https://www.va.gov

Includes Help With:

VA healthcare
Disability compensation
Pension benefits
Caregiver support
Burial & survivor benefits.

*Benefits CheckUp (Veteran-Friendly Tool)

Find Help Paying For Food, Utilities, Healthcare, And More

📞 Phone: 800-794-6559
🌐 Website:
https://www.benefitscheckup.org

Helps Identify:

Federal and state assistance programs
Veteran-specific benefits
Cost-saving programs.

❤️ *Support for Families & Caregivers

VA Caregiver Support Program

📞 Caregiver Support Line: 855-260-3274
🌐 Website:
https://www.caregiver.va.gov

Provides:

Education and training
Financial support programs
Mental health resources for caregivers.

Important Notice

Disclaimer:
Anthony’s Healthcare does not replace VA services or emergency care.
If you or someone you know is in immediate danger, call 911 or the
Veterans Crisis Line at 988 (Press 1.)

🇺🇸 Welcome Veterans

Welcome — And Thank You For Your Service.

At Anthony’s Healthcare, we honor the men and women who stood for our flag and defended our freedom. You are not just a policy or a number—you are a veteran whose service deserves recognition, respect, and access to the benefits you’ve earned.

When it comes to your healthcare options, you deserve clear, honest guidance you can trust.

Many veterans don’t realize how Medicare can work alongside VA benefits, TRICARE, or CHAMPVA —

or how to access extra benefits like dental, vision, hearing, transportation, and help with everyday costs.

That’s where I come in. I take the time to listen, explain your options in plain language, and help you understand what benefits you may qualify for — without pressure and without confusion. Whether you’re newly eligible for Medicare or reviewing your current coverage, you’ll get guidance you can trust.

My role is simple:
To help Veterans make confident, informed decisions about Medicare — while protecting the benefits you’ve earned.

You Served Our Country.
Now It’s Your Turn To Be Served.
Clear, Honest Medicare Guidance For Veterans.

Sincerely Anthony
Your Medicare Guide

Important Information
Anthony’s Healthcare provides educational information to help you understand your Medicare and health plan options. We are not affiliated with the U.S. Department of Veterans Affairs (VA), Medicare, or any government agency. Benefit availability and eligibility may depend on your situation and plan requirements. Contact the VA or your plan provider for official benefit determinations.

TRICARE And TRICARE For Life

TRICARE (Before Age 65)

TRICARE is for:

Active duty members
Retirees
Eligible spouses and dependents

If you are under 65:

❌ Medicare Advantage is usually not relevant
TRICARE is your primary coverage.

TRICARE For Life (TFL) – Age 65+

How TRICARE For Life Works

TRICARE for Life is wraparound coverage once you have:

Medicare Part A
Medicare Part B

Coverage order:

Medicare pays first
TRICARE for Life pays second

Most out-of-pocket costs are covered.

Can You Lose TRICARE for Life If You Enroll In A Medicare Advantage (Part C) Plan?

Short answer:
👉 No. You do NOT lose TRICARE for Life (TFL) just because you enroll in a Medicare Advantage plan.

Here’s the clear, official explanation you can rely on.

Can You Lose TRICARE for Life If You Get a Medicare Advantage Plan?

✅ What Is True

Enrolling in a Medicare Advantage (Part C) plan does NOT cancel or remove TRICARE for Life
You keep TRICARE for Life as long as you:
- Are eligible for TRICARE
- Remain enrolled in Medicare Part A and Part B
- Stay properly enrolled in DEERS

🚫 What Can Cause You to Lose TRICARE for Life

You may lose TFL if:

❌ You are not enrolled in Medicare Part B
❌ You disenroll from Medicare Part B
❌ Your DEERS information is not kept current
❌ You lose TRICARE eligibility for another reason (status change)

Medicare Advantage Enrollment Alone Does Not Affect TFL Eligibility.

How Coverage Works If You Have Medicare Advantage + TRICARE for Life

Medicare Advantage pays first
TRICARE for Life pays second (only for TRICARE-covered services)
TRICARE benefits do not change or increase
Some providers may require network participation under Medicare Advantage

Enrolling in a Medicare Advantage plan does NOT cancel TRICARE for Life. Veterans keep TRICARE for Life

as long as they remain enrolled in Medicare Parts A and B and meet TRICARE eligibility requirements.

Does TRICARE for Life Include Prescription Drug Coverage?

✅ Yes — Through the TRICARE Pharmacy Program

If you have TRICARE for Life, you are automatically covered under the TRICARE Pharmacy Program,

which provides prescription drug coverage.

This coverage applies regardless of whether you have Original Medicare or a Medicare Advantage plan.

Prescription Coverage Tiers (TRICARE)

TRICARE covers prescriptions across its formulary tiers, including:

Generic drugs
Brand-name formulary drugs
Non-formulary drugs (with higher cost-sharing)
Specialty medications (with specific rules)

💡 Coverage depends on:

The medication being on the TRICARE formulary
Where and how the prescription is filled.

Where Prescriptions Can Be Filled (Very Important)

Military Pharmacy (Lowest Cost)

Often $0 copay
Available at military treatment facilities (MTFs)

TRICARE Mail Order Pharmacy

Lower copays
90-day supply options
Requires enrollment

Retail Network Pharmacies

Covered with copays
Costs vary by tier and drug type

Important Limitations to Know

Some medications require prior authorization
Step therapy may apply
Quantity limits may apply
Non-formulary drugs cost more
Certain drugs may not be covered at all

TRICARE vs Medicare Part D (Critical Rule)

If you have TRICARE for Life, you do NOT need Medicare Part D.

TRICARE drug coverage is considered creditable
Enrolling in Part D is optional, not required
Many veterans choose not to enroll in Part D

TRICARE for Life includes comprehensive prescription drug coverage through the TRICARE Pharmacy Program, covering generic, brand, non-formulary, and specialty medications, subject to formulary rules and copays.

Do You Still Get Medicare Advantage Benefits

(Giveback, OTC, Dental, Etc.)?

✅ Part B Giveback

Yes, if your Medicare Advantage plan includes a Part B premium reduction, it usually still applies
The giveback is applied to your Social Security check, not to VA care
You do not have to use the plan’s doctors to receive the giveback

⚠️ It may take 1–3 months after enrollment to appear.

OTC Allowance

Usually NO, if you never use the plan
Most plans require:
- Plan activation
- Using the plan’s OTC card or catalog
- Sometimes a completed health assessment

If you don’t engage the plan, OTC benefits may expire unused.

Dental, Vision, Hearing

NO, unless you:
- Use the plan’s network providers
- Follow plan authorization rules

VA care does not trigger these benefits.

Transportation, Meals, Wellness

NO, unless:
- You use the plan’s medical services
- You meet plan-specific requirements

These benefits are tied to plan usage, not VA care.

Why This Happens (Plain English)

VA care is separate from Medicare
Medicare Advantage benefits are only activated when the plan is used
Using only VA providers = the plan sits idle.

Medicare Advantage benefits such as OTC, dental, vision, and transportation are only available when the plan is used. If you receive care exclusively through the VA, most Medicare Advantage extra benefits will not apply, except for Part B premium reductions if offered.

What Does “Use the Medicare Advantage Plan” Actually Mean?

To stay in good standing and access Medicare Advantage benefits, a person must do some or all of the following, depending on the benefit.

Stay Actively Enrolled (Required for Everything)

You must:

Remain enrolled in the Medicare Advantage plan
Keep Medicare Part A and Part B
Pay any required monthly plan premium (if applicable)

✅ This keeps the plan active
❌ This alone does not activate most extra benefits

Complete Required Plan Activation Steps (Very Common)

Many plans require:

Answering a welcome call from the plan
Completing a health risk assessment (HRA) (phone, online, or mail)
Activating your member account or OTC card

⚠️ If these steps are skipped, OTC and supplemental benefits may not unlock.

Use an In-Network Doctor or Provider (Key Step)

For most benefits, you must:

See a doctor, specialist, or provider in the plan’s network
Follow plan rules (referrals for HMO, authorizations if required)

Examples:

Dental benefits → must use plan’s dental network
Vision benefits → must use plan’s vision provider
Hearing aids → must use plan-approved vendor

Using VA doctors does not count as using the Medicare Advantage plan.

Follow Plan Rules for Extra Benefits

OTC Benefits

You usually must:

Activate your OTC card
Order through the plan’s portal, app, phone line, or catalog
Use the allowance within the allowed time frame

Unused OTC benefits often expire.

Transportation, Meals, Fitness

Often require:

Prior authorization
A qualifying medical visit
Scheduling through the plan’s vendor

Disclaimer

Medicare Advantage benefits, including premium reductions and supplemental benefits, are determined by individual plans and may require activation, participation, or provider use. Information is for educational purposes only and does not guarantee benefits.

What Happens If You Have CHAMPVA or TRICARE for Life, Enroll in Medicare Advantage, and Only Use VA Doctors?

Short Answer

👉 Nothing changes at the VA.
Your VA care continues exactly the same, and the Medicare Advantage plan is not used when you receive care at VA facilities.

How Billing Works (Very Important)

VA Doctors & Facilities

VA care is provided under VA eligibility, not Medicare
Medicare Advantage is not billed
TRICARE for Life and CHAMPVA are not billed
You typically have no copays beyond VA rules

The Medicare Advantage plan simply sits in the background.

CHAMPVA vs TRICARE for Life (Important Distinction)

TRICARE for Life

Applies to care outside the VA
Does not apply to VA-provided care
Still requires Medicare Parts A & B

CHAMPVA

Also applies to non-VA providers
Does not apply to VA care
Requires Medicare Part B when applicable

Potential Downsides to Know

You may be paying for a Medicare Advantage plan you never use
Some plans require prior authorization for outside care (not relevant if you don’t use it)
Prescription coverage under VA remains separate

If you only use VA doctors, enrolling in a Medicare Advantage plan does not affect your VA care. The Medicare Advantage plan is not billed for VA services and provides no added benefit unless you use non-VA providers.

Disclaimer

Official TRICARE Pharmacy Resources

TRICARE Pharmacy Program:
https://www.tricare.mil/pharmacy

TRICARE Formulary Search:
https://www.express-scripts.com/frontend/open-enrollment/tricare/fst/

TRICARE Phone:
📞 1-866-773-0404

Official Resources

TRICARE Pharmacy Program:
https://www.tricare.mil/pharmacy

TRICARE for Life:
https://www.tricare.mil/tfl

TRICARE Phone:
📞 1-866-773-0404

Disclaimer

Prescription drug coverage and coordination rules are determined by TRICARE and Medicare Advantage plans. Information is for educational purposes only and does not guarantee coverage.

Disclaimer

TRICARE eligibility and coordination of benefits are determined by the Department of Defense and Medicare. Information is for educational purposes only and does not guarantee coverage.

How to Enroll in Medicare Part B

Medicare Part B covers doctor visits, outpatient care, preventive services, lab work, and medical equipment.

Step 1: Go to the Medicare Part B Enrollment

Website

🌐 https://www.ssa.gov/medicare

Step 2: What to Do on the Website

Click “Apply for Medicare”
Choose “Apply online”
Log in or create a my Social Security account
Select Medicare Part B
Complete and submit your application

⚠️ If you are enrolling late or leaving employer coverage, you may need Form CMS-40B.

Know What You’re Enrolling In

Medicare Part B is medical insurance
Requires a monthly premium (unless assistance applies)
Covers:
- Doctor and specialist visits
- Outpatient services and ER visits
- Preventive care and screenings
- Lab work, imaging, and durable medical equipment
Includes deductibles and cost-sharing.

Documents You Will Need

Medicare Part A information (if already enrolled)
Social Security number
Proof of employment or employer coverage (if applicable)
Form CMS-40B (if enrolling outside your initial enrollment period)

Step 3: Get Help by Phone

📞 Social Security: 1-800-772-1213
🕗 Monday–Friday, 8:00 AM – 7:00 PM

Need Help Understanding Your Options?

Call Anthony’s Healthcare – Your Medicare Guide

Reach Out Anytime — I’d Be Happy To Help.

(Education only. No obligation.)

CMS-Safe Disclaimer

Asset limits and eligibility requirements are determined by state guidelines and may change. This information is for educational purposes only and does not guarantee eligibility.

Anthony’s Healthcare is not affiliated with Medicare or the State of Florida. Eligibility for Medicaid, Medicare Savings Programs, or Dual Eligible Special Needs Plans is determined by the state or Medicare. Information provided is for educational purposes only and does not guarantee eligibility or enrollment.

Medicare Savings Program

Do I Qualify For A Medicare Savings Program?

Use this checklist to see if you may qualify for help paying Medicare costs.
Final eligibility is determined by the State of Florida.

Basic Requirements Do I Qualify For A Medicare Savings Program?

Check all that apply:

☐ I am enrolled in Medicare Part A and/or Part B
☐ I live in Florida
☐ I am 65 or older or receive Medicare due to disability
☐ I pay (or have deducted) a Medicare Part B premium.

Income Checklist (Monthly)

Check the box that best matches your situation:

Single Individual

☐ My monthly income is under $1,275
☐ My monthly income is between $1,275 and $1,526
☐ My monthly income is between $1,526 and $1,715.

Married Couple

☐ Our combined monthly income is under $1,724
☐ Our combined monthly income is between $1,724 and $2,064
☐ Our combined monthly income is between $2,064 and $2,320

(Income includes Social Security, pensions, and wages.)

You May Still Qualify If…

☐ I was told I “make too much for Medicaid”
☐ I live on Social Security or a fixed income
☐ I am a Veteran using Medicare
☐ I have limited savings
☐ I have not applied before or was denied in the past.

What This Help Can Cover

If approved, a Medicare Savings Program may help pay:
☐ Medicare Part B premium
☐ Medicare Part A premium (if owed)
☐ Deductibles and copays (QMB only.)

Medicare Savings Program Asset Limits (Florida)

Asset limits are set by the state and reviewed during the application process.

Countable Asset Limits

Single individual: up to $8,400
Married couple: up to $12,600

(These limits are approximate and adjusted periodically.)

What Counts as an Asset?

Counted assets may include:

Checking accounts
Savings accounts
Cash
Stocks or bonds.

What Does NOT Count?

Typically excluded assets include:

Your primary home
One vehicle
Household goods and personal belongings
Certain burial or funeral funds.

Important Clarification

Having some money in the bank does NOT automatically disqualify you
Many people with savings still qualify
The state looks at both income and assets.

Why People Get Told “No” Incorrectly

Many applicants are denied because:

Assets weren’t explained properly
Excluded assets were counted incorrectly

They assumed they were over the limit and never applied.

Connection To D-SNP Eligibility

If you qualify for a Medicare Savings Program, you may also qualify for a D-SNP plan, even if you do not have full Medicaid.

Simple

Medicare Savings Programs have asset limits, but many common assets—such as your home and car—are not counted.

Possible Next Step: D-SNP Eligibility

☐ If I qualify for a Medicare Savings Program, I may also qualify for a Dual Eligible Special Needs Plan (D-SNP) with lower costs and added benefits.

What to Do Next

If you checked any of the boxes above, you may want to apply.

📞 ACCESS Florida: 1-866-762-2237

How to Apply for a Medicare Savings Program

(Help Paying for Medicare Part B)

Medicare Savings Programs help eligible individuals pay their Medicare Part B premium and, in some cases,

other out-of-pocket costs.

Step 1: Go to the Medicare Savings Program

Website

🌐 https://www.medicare.gov/medicare-savings-programs

Step 2: What to Do on the Website

Select your state
Click the link for Medicaid or Medicare Savings Programs
Look for:
- “Help Paying for Medicare”
- “Medicare Savings Program”
Start an application online or choose phone/mail options.

Know What You’re Enrolling In

These programs are run by your state Medicaid office
Programs may include:
- QMB
- SLMB
- QI
Benefits may include:
- Payment of your Medicare Part B premium
- Reduced or eliminated cost-sharing
- Automatic eligibility for Extra Help with prescriptions.

Documents You Will Need

Medicare card: (If available)
Proof of income (Social Security award letter, pension, pay stubs)
Recent bank statements
Photo ID
Proof of residency.

Step 3: Get Help by Phone

📞 Medicare Savings Programs in Florida: 1-866-762-2237
(You will be directed to your state office).

Medicaid

Who Qualifies For Medicaid?

You may qualify for Medicaid if you:

Are 65 or older
Have a disability
Have limited income
Have limited assets, depending on the program

Medicaid eligibility is determined by the State of Florida.

Medicaid Income Guidelines (Florida – General)

These are general guidelines. Final approval is determined by the state.

Single individual: Around $1,185 per month
Married couple: Around $1,603 per month

Some assets may be excluded, such as:

Your primary home
One vehicle
Personal belongings.

Know What You’re Enrolling In

Medicaid is state-run health coverage
Eligibility is based on:
- Income
- Household size
- Age or disability status
If you have Medicare, Medicaid may:
- Help cover costs Medicare does not
- Make you eligible for Dual-Eligible (D-SNP) plans
- Provide extra benefits like transportation or cost assistance.

Documents You Will Need

Proof of income
Proof of identity
Proof of residency
Medicare card (if applicable)
Household information.

Get Help By Phone

Apply by Phone (Florida Medicaid):
📞 ACCESS Florida: 1-866-762-2237

How To Apply For Medicaid Online (Step By Step)

Medicaid provides health coverage for people with limited income and may work alongside Medicare if you qualify.

Step 1: Go To The Access Florida Homepage
Open your web browser and go to:
👉 https://www.myflorida.com/accessflorida/
Step 2: Click “Apply for Benefits”
On the homepage, select “Apply for Benefits.”
This will take you to the application system.
Step 3: Choose “Apply Online”
When prompted, click “Apply Online.”
You do not need to create an account to start, but creating one allows you to:
Save progress
Upload documents
Check application status
Step 4: Select The Programs You Are Applying For
During the application, you will be asked which benefits you want.
✔ Check Medicaid
✔ Check Medicare Savings Programs (if available)
Tip: You can apply for more than one program at the same time.
Step 5: Enter Personal Information
You will be asked for basic information, including:
Name and date of birth
Address and phone number
Social Security number
Medicare information (if applicable)
If available, please have your Medicare card ready.
Step 6: Enter Income And Household Information
Provide information about:
Monthly income (Social Security, pension, wages, etc.)
Household size
Assets (if required)
Answer each question as accurately as possible.
Step 7: Review And Submit Your Application
Before submitting:
Review all answers for accuracy
Read the consent and authorization statements
Click “Submit” when complete.
Step 8 — Save Your Confirmation
After submitting, you will receive:
A confirmation number
Instructions for next steps
Save this information for your records.
Step 9 — Respond To Follow-Up Requests
ACCESS Florida may request:
Proof of income
Medicare card copy
Identification
Documents can be uploaded online or mailed if requested.

🔒 CMS-Safe Clarification

Medicaid applications are processed by the State of Florida through ACCESS Florida. Medicare does not determine Medicaid eligibility.

LIS Low Income Subsidy (Extra Help)

Do I Qualify?

Checklist:

You may qualify for LIS if most of the following apply:

☐ You have Medicare Part A and/or Part B
☐ Your income is limited
☐ Your savings and resources are within guidelines
☐ You are not receiving full Medicaid, or you may qualify automatically if you are
☐ You are paying for a Medicare Part D drug plan

You likely automatically qualify if you:

Have full Medicaid
Receive SSI
Are enrolled in a Medicare Savings Program

📌 Even if you’re unsure, it’s worth applying — many people qualify and don’t realize it.

LIS (Extra Help) — Myth vs Fact

This section helps clear up the most common misunderstandings.

Myth #1: LIS Is Health Insurance

Fact: LIS is not insurance. It only helps lower prescription drug costs.

Myth #2: LIS Replaces Medicare

Fact: You must already have Medicare to qualify for LIS.

Myth #3: LIS And Medicaid Are The Same

Fact:

Medicaid is health coverage
LIS is financial assistance for prescriptions
Many people qualify for both.

Myth #4: You Lose LIS If You Join A Medicare Advantage Plan

Fact: LIS works inside:

Medicare Advantage plans with drug coverage (MAPD)
Stand-alone Part D plans.

Myth #5: LIS Is Permanent

Fact: LIS is reviewed yearly and can change if income or assets change.

Get Help By Phone for LIS (Extra Help)

📞 Social Security (SSA): 1-800-772-1213
TTY: 1-800-325-0778
(SSA is the primary place to apply for Extra Help.)

How To Apply Step-By-Step (Online)

Go to: https://www.ssa.gov/extrahelp
Click the button/link that says “Apply for Extra Help” (or similar).
Read the intro page and choose “Start a New Application.”
Enter your personal information (name, DOB, SSN, contact info).
Answer questions about:
- Income (Social Security, pension, wages, etc.)
- Resources/savings (checking/savings, stocks, bonds, etc.)
Enter your prescription/Medicare info if asked.
If available, please have your Medicare card ready.
Review your application for accuracy.
Submit the application and save/print the confirmation.
A decision will be mailed to you by Social Security.

What To Have Ready (Helps It Go Faster)

Medicare card (if available)
Social Security benefit amount (if you receive it)
Recent pay stubs/pension info (if applicable)
Bank account balances and savings information.

Know What You’re Enrolling In

LIS is not health insurance
It helps lower the cost of prescription medications only
LIS can help pay for:
- Monthly Part D premiums
- Prescription deductibles
- Copays at the pharmacy
Coverage applies through:
- Medicare Advantage plans with drug coverage (MAPD)
- Stand-alone Part D drug plans
Benefits may be partial or full, depending on income and resources.

Documents You Will Need

Medicare card
Social Security number
Proof of income (Social Security award letter, pension, pay stubs)
Recent bank statements
Information on savings, investments, or retirement accounts.

After You’re Approved

LIS is applied automatically to your Medicare record
You do not receive a separate LIS card
Prescription copays are reduced at the pharmacy
You may qualify for Special Enrollment Periods
Benefits are reviewed yearly.

CMS-Safe Disclaimer

Extra Help (LIS) eligibility is determined by Social Security and may change. Information provided is for educational purposes only and does not guarantee eligibility.

How to Enroll in Medicare Part A

Medicare Part A helps cover inpatient hospital care, skilled nursing facility care, hospice, and limited home health services.

Step 1: Go To The Official Medicare Enrollment Website

🌐 https://www.ssa.gov/medicare

This is the official Social Security website used to enroll in Medicare Part A.

Step 2: What To Do On The Website

Click “Apply for Medicare”
Select “Apply online”
Sign in or create a my Social Security account
Follow the prompts to apply for Medicare Part A
Review and submit your application.

Know What You’re Enrolling In

Medicare Part A is hospital insurance
Most people pay $0 monthly premium
Covers:
- Inpatient hospital stays
- Skilled nursing facility care (after a qualifying hospital stay)
- Hospice care
- Limited home health services
Does not cover:
- Long-term custodial nursing home care
- Routine dental, vision, or hearing services.

Documents You Will Need

Social Security number
Proof of age (birth certificate or passport)
Proof of U.S. citizenship or lawful residency
Employment information (if you or your spouse are still working)

Step 3: Need Help by Phone?

📞 Social Security: 1-800-772-1213
🕗 Monday–Friday, 8:00 AM – 7:00 PM

After approval, your Medicare card will be mailed to you.

Need Help Understanding Your Options?

Anthony’s Healthcare – Your Medicare Guide
I help explain:

Medicare Savings Programs
Extra Help (LIS)
D-SNP eligibility
Medicare Advantage options

(Education only. No obligation.)

CMS-Safe Disclaimer

Asset limits and eligibility requirements are determined by state guidelines and may change. This information is for educational purposes only and does not guarantee eligibility.

Anthony’s Healthcare is not affiliated with Medicare or the State of Florida. Eligibility for Medicaid, Medicare Savings Programs, or Dual Eligible Special Needs Plans is determined by the state or Medicare. Information provided is for educational purposes only and does not guarantee eligibility or enrollment.

WELCOME TO ANTHONY'S HEALTHCARE

My Mission

What Is a SOA (Scope Of Appointment) And Why Is Needed?

Please Complete Form

Thank You Veterans!

Questions And Answers About Medicare

Big Picture First

Medicare HMO (Health Maintenance Organization)

How it works

Doctor & hospital access

Referrals & care coordination

Cost structure

Who an HMO is best for

Medicare PPO (Preferred Provider Organization)

How it works

Doctor & hospital access

Referrals & care coordination

Cost structure

Who a PPO is best for

Emergency & Urgent Care (Both Plans)

The Real-World Difference

Veterans & Military Families:

​

Understanding CHAMPVA, TRICARE, TRICARE for Life

And Medicare Advantage (Part C)

CHAMPVA (Civilian Health and Medical Program of the VA)

Who CHAMPVA Is For

CHAMPVA + Medicare (REQUIRED RULES)

Can You Lose CHAMPVA If You Get a Medicare Advantage Plan?

What Is True

🚫 What Can Cause You to Lose CHAMPVA

How Coverage Works: Medicare Advantage + CHAMPVA

Important CHAMPVA Rule (Very Important)

CHAMPVA & Medicare Part B — Is Part B Required?

✅ Yes. In most cases, Medicare Part B is required to keep CHAMPVA once a person becomes eligible for Medicare.

Is Medicare Part B Required for CHAMPVA

When Part B May NOT Be Required (Limited Exceptions)

Important Clarification

CHAMPVA Eligibility Checklist

Veteran Eligibility (Must Meet ONE)

Spouse / Dependent Eligibility

Medicare Requirements (Very Important)

What Happens If You Have CHAMPVA or TRICARE for Life, Enroll in Medicare Advantage, and Only Use VA Doctors?

Short Answer

How Billing Works (Very Important)

VA Doctors & Facilities

What the Medicare Advantage Plan Is (In This Case)

CHAMPVA vs TRICARE for Life (Important Distinction)

TRICARE for Life

CHAMPVA

Potential Downsides to Know

Disclaimer

Do I Still Receive Medicare Advantage Plan Benefits, Including

Part B Giveback and OTC, Dental Etc.

If I Use VA Coverage?​​

OTC Allowance

Dental, Vision, Hearing

Transportation, Meals, Wellness

Why This Happens (Plain English)

What Does “Use The Medicare Advantage Plan” Actually Mean?

Stay Actively Enrolled (Required for Everything)

Complete Required Plan Activation Steps (Very Common)

Use an In-Network Doctor or Provider (Key Step)

Follow Plan Rules for Extra Benefits

OTC Benefits

Transportation, Meals, Fitness

Prescription Coverage (If Included)

What Does NOT Count as Using the Plan

Official CHAMPVA Contact Information

Website Disclaimer

What Is a SOA (Scope Of Appointment)
And Why Is Needed?

If I Use VA Coverage?