Medicare Advantage Plans Designed with Veterans in Mind
Open to All Medicare Beneficiaries That Qualify
Your VA benefits and care will not be affected. If you choose to enroll, you will gain access to in-network providers, routine dental, vision, hearing, and Part B Premium Reduction Giveback benefits. All of these benefits are offered through Humana & UHC MA-Only Medicare Advantage and are in addition to your regular VA benefits.
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Two Systems. Zero Conflicts. Reduced Out-of-Pocket Medicare Covered Medical Expenses with Additional Benefits Not Covered by Original Medicare.
Medicare Advantage MA-Only Plans are designed with veterans in mind and are open to all Medicare beneficiaries that qualify. They can serve as a valuable backup or second opinion when seeking treatment and care outside the VA, TRICARE, and CHAMPVA networks.
VA Healthcare
Service-connected care, prescriptions, mental health
Original Medicare (Part A & B)
Hospital and medical coverage if enrolled
VA Healthcare
Service-connected care, prescriptions, mental health
MA-Only Medicare Advantage Plan Designed with Veterans in Mind
Low or $0 monthly plan premium*, Part B Premium Reduction Giveback benefits, routine dental, vision, hearing, additional providers outside the VA & community care network — offered through Humana & UnitedHealthcare
Two Systems. Zero Conflicts. Reduced Out-of-Pocket Medicare Covered Medical Expenses with Additional Benefits Not Covered by Original Medicare.
Medicare Advantage plans like Humana USAA Honor and UnitedHealthcare AARP Patriot are designed with veterans in mind and seamlessly work alongside your current VA benefits. These plans are open to all Medicare beneficiaries that qualify.
Since these MA-Only Medicare Advantage plans were designed with veterans in mind, you don’t need a separate prescription drug plan offered through Part D. You would continue to use your Tricare For Life (Express Scripts Drug Plan), CHAMPVA for dependents, if applicable (Express Scripts Drug Plan), and/or VA prescription drug benefit. Typically, plans from Humana and UnitedHealthcare may include low or $0 monthly plan premium products, benefits not covered by Original Medicare like routine dental, vision, hearing, and Part B Premium Reduction Giveback benefits.
You can keep using your VA benefits just like you always have while gaining access to non-VA providers and additional benefits not covered by the VA or Original Medicare.
The Part B Premium Reduction Giveback benefit is not immediate. It may take 90–120 days to be reflected on your Social Security statement. The beneficiary will have less taken from their Social Security check for the coverage of their Part B premium. Those paying their Part B premium directly will see this benefit as a credit on their premium statement. The giveback amount may change based on the amount you pay for Part B.
Additional Medicare Advantage Plan Benefits the VA and Original Medicare Do Not Cover
With No Impact on Your Existing VA Benefits
Benefits listed below are offered by plans from Humana and UnitedHealthcare and vary by plan and county.
Part B Premium Reduction Giveback Benefit
Veterans who enroll in a Medicare Advantage plan that offers the Part B Premium Reduction Giveback benefit will have less taken from their Social Security check for the coverage of their Part B premium. Those paying their Part B premium directly will see this benefit as a credit on their premium statement. The giveback amount may change based on the amount you pay for Part B. Benefits offered through Humana and UnitedHealthcare.
Decreased Wait Times for Providers
See in-network providers without the VA referral wait times. With reduced wait times and no referrals, seek treatment and care for your emergency & urgent care needs, specialist visits, and routine care while reducing your out-of-pocket expenses — use your benefits, your way, on your schedule. Available through Humana and UnitedHealthcare plans.
Routine Dental Benefits
VA dental insurance can be expensive and is another monthly cost to budgets that are already stretched thin. Also, the VA’s limited dental coverage is only for those that qualify. Medicare Advantage routine dental benefits through Humana and UnitedHealthcare may cover two cleanings & exams per year at no additional cost plus preventive dental services at $0 copay.
Vision & Hearing
Routine eye exams, eyewear allowances, hearing exams, and hearing aid coverage through Humana and UnitedHealthcare plans. Essential benefits that become more important every year.
Mental Health Access
In-network mental health services — virtual or in-person. Seek care without a VA referral for PTSD, depression, and other mental health support. Covered services and copays vary by plan. Available through Humana and UnitedHealthcare plans.
Fitness & OTC Benefits
Fitness memberships, over-the-counter product allowances, and additional wellness benefits are available and are typically included with each MA-Only Medicare Advantage plan from Humana and UnitedHealthcare.
*Low or $0 monthly plan premium available based on location and plan. Not all plans offer all benefits listed. Benefits, copays, and covered services vary by plan and are offered through Humana and UnitedHealthcare. Verify with the provider office that they are accepting new patients. Covered services at $0 copay vary by plan. Grace Rose Health Consultants represents Humana and UnitedHealthcare.
Ready to See What You Qualify For?
A free policy review with no obligation to enroll. An initial policy review takes approximately 10 minutes and could help you understand your Medicare Advantage options.
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Honest Questions, Honest Answers
These are the answers to the most-asked questions.
*Giveback is not immediate. It may take one or more payment cycles to reflect on your SSA statement. The Part B Premium Reduction Giveback benefit means the beneficiary will have less taken from their Social Security check for the coverage of their Part B premium. Those paying their Part B premium directly will see this benefit as a credit on their premium statement. The giveback amount may change based on the amount you pay for Part B. A check is not physically cut reflecting this giveback, nor do you receive the amount back in an allowance card or other cash equivalent.
Endorsed by Those Who Know
“Forrest has personally helped me with my annual Medicare review to facilitate my understanding and knowledge. Forrest has made a positive impact in my life and has enhanced my healthcare benefits to the fullest extent possible, while reducing my out-of-pocket costs. I’m thankful and truly honored that I can call Forrest my trusted advisor, and dear friend.”
Former Ohio State Representative
“Forrest, like myself, is a ‘Soldier for Life’ who has captured the essence of a Warrior’s Spirit and our Army’s culture. As a retired military JAG officer and Medicare Beneficiary myself, I too have entrusted Forrest for his guidance and advice. He is committed and dedicated to his profession, and epitomizes our Army values of loyalty, duty, respect, selfless service, honor, integrity, and personal courage.”
Lieutenant Colonel, U.S. Army Retired
From a Veteran Who’s Been There
“It’s been a great year for me, health benefit wise. Thank you so very much for spearheading my getting enrolled in Humana – USAA Honor Giveback Plan. I work and volunteer at three different USO Lounges in the greater Washington DC area, and often times I have politely inquired into their Medicare provider status. I provide highlights about the Humana-USAA plan that Forrest got me enrolled in and they are all astonished. I think I have given your name, phone and email address to a good 20 eligible military retirees this past year. You were extremely, extremely helpful last year in getting me enrolled.”
You’re Not Talking to a Salesman. You’re Talking to a Fellow Veteran.
Forrest Gibbes is a retired U.S. Army Lieutenant Colonel who continues to serve his fellow Brothers and Sister-In-Arms — with a combined 30+ years of service, specifically with the U.S. Army. He specializes in employee benefits and retirement planning, helping soldiers and federal employees navigate complex systems like Civil Service Retirement, pension maximization, survivor annuities, and Social Security.
After retiring in 2018, Forrest founded Grace Rose Health Consultants with a simple mission: help veterans understand their Medicare options. He now leads a team of nine licensed insurance agents that specialize in Medicare and personally helps veterans and their spouses understand their Medicare options — the same way he spent three decades helping service members understand their benefits.
He represents both Humana and UnitedHealthcare, so he can match you to the plan that fits your situation — not just one carrier’s product. And because he’s been where you are, he’ll give you a straight answer, not a sales pitch.
Would You Like to Know More About the Medicare Advantage Plans Available in Your Area?
Contact Grace Rose Health to hear all about the plans you may qualify for.
858-774-7327 (TTY: 711) · Mon–Fri 9am–9pm, Sat–Sun 10am–7pm ET
Schedule A Free Policy Review · No Obligation to Enroll