expertise & RESOURCES when you need it the most

Long-Term Care Benefits; Are You Covered or Not?

It is not uncommon for retired veterans to believe veteran benefits, administered through the Veterans Administration (VA), will cover any long-term care need a veteran may face in the future. However, many veterans have never actually reviewed the "Federal Benefits for Veterans, Dependents and Survivors" handbook which outlines exactly how veteran "Extended Care" (long-term care) benefits work and what it takes to qualify. 

The VA begins by assigning each veteran to one of eight possible priority groups which is used to balance the demand for VA health care enrollments, with the actual resources that are available. Priority attention is given to the groups who have the highest service-connected disability ratings and ends with those who have no service-connected disability but simply lack the financial means to meet their basic health care needs. The qualifications for entering a VA nursing home are more stringent than for receiving general health care. If you are wondering if you will qualify, please email us ( for the free report "Federal Benefits for Veterans, Survivors and Dependents". Free consultations to determine if you qualify are also available without cost or obligation. You may also use the Contact Us page to request information and assistance.

For Veterans on Medicare & Part B

Do You Have an Emergency Backup Plan?
If you are Medicare eligible and utilizing the VA Medical Center for doctoring and prescriptions, have you considered a back-up plan for emergency or urgent care?

In an emergency, you will be taken to the nearest hospital, not a Veteran's Hospital. An ambulance ride can cost $1000-$1200 per trip and an air-lift could be $12,000 or more. This cost along hospitalization, emergency surgery, or other treatment could result in a financial hardship. 
You do have choices! Plan choices range from paying co-pays or co-insurance only when you use the insurance to plans offering more protection. We will be happy to explain the plans available in your area. Dates of enrollment for the annual election period is October 15 through December 7th each year. If you are turning 65 years of age or currently have a medicare supplemental plan, you may have additional enrollment opportunities. Please contact us to determine your eligibility periods.

Applying for Health-Care Benefits with the VA Medical Center?

The simplest way to apply for VA health benefits is submitting your application on-line. Click here.

By Phone, call: 1-877-222-VETS (8387)

You may also apply in-person at your local VA health care facility.

Preventive Plus for Veterans and Their Families

Dental coverage, vision care, RX discounts, hearing care, urgent care & clinic, alternative medicine discounts (acupuncture, chiropractic & massage therapy), and discounts on books & magazines from Reader's Digest and their partners.  Single premiums start under $20/mo. These plans are only available for Veterans and their families. Available in most states. Contact  us for a complete benefit and rate sheet for your state. 

Healthcare Benefits

Use this page as a resource guide to questions about healthcare and learn about benefits you may not be aware of. Contact Us to get more details on any of these topics and more.