Senior Health Services FAQs

  1. Will the out-of-pocket costs of hospice care be?
  2. Generally, Medicare will cover most hospice care costs. The patient or the patient’s family will need to pay the remaining balance out of pocket.

  3. Do VA health care benefits cover PTSD?
  4. Yes, VA health care benefits help cover treatments for PTSD. The VA works with the National Center for Post Traumatic Stress Disorder through various programs as well as provide additional web resources.

  5. Does the VA handle burials and memorial services?
  6. The VA does offer burial and memorial options to eligible service members and family members at over 128 national cemeteries throughout the United States.

  7. Is there a way to track my prescriptions and medications online as a veteran?
  8. Veterans have the option to sign up for the VA’s online portal, which is a program that allows enrollees to refill prescriptions, track prescription history and view their medication list all in one place.

  9. Will I still be eligible for a premium tax credit with Obamacare even though I am retired?
  10. Premium tax credits are available to all qualifying applicants, regardless of age or occupation. Income is a factor in the subsidy amount and petitioners who have high household earnings may not qualify for a tax credit. Download our free health care guide for details about the income thresholds to qualify for ACA tax subsidies.

  11. What are the four “metal” categories in an Obamacare-offered insurance plan?
  12. The four “metal” categories include Bronze, Silver, Gold and Platinum. Each category is associated with the services offered and overall cost, not the quality of care.

  13. What can a premium tax credit through Obamacare be used for?
  14. Qualifying for a premium tax credit allows an applicant to consider a private health insurance plan at a lower cost, which ultimately reduces the overall out-of-pocket costs.

  15. Is there any way to know what my Obamacare insurance will cost in advance?
  16. While there are no ways in which an exact number can be calculated right away, applicants can use an online tool through the Marketplace to calculate estimates for savings offered through premium tax credits.

  17. Why is having a Veteran Health Identification Card (VHIC) important?
  18. A Veteran Health Identification Card is important, as it is the proper identification needed by veterans to check into appointments for VA benefits and services. This card does not act as a credit card or insurance card.

  19. I am a veteran and cannot drive to my local health care facility. What should I do?
  20. Veterans have the ability to use VA’s Veteran Transportation Program (VTP), which offers travel accommodations to and from VA health care facilities in the neighborhood.

  21. What happens if hospice care through Medicare is needed after the six-month expectancy?
  22. Medicare offers two 90-day benefit periods for hospice care and also offers unlimited 60-day benefit periods. Even after six months, hospice care will still be available to terminally ill applicants.

  23. How can I get my Veteran Health Identification Card?
  24. Veterans who learn how to enroll in the VA health care system will receive a Veteran Health Identification Card. Once enrollment is verified, a veteran can have his or her picture taken at the local VA medical center so that the card can be mailed.

  25. Will I be eligible for a dental plan through my VA health care plan?
  26. Veterans enrolled in VA health benefits can enroll in dental benefits as well. The VA offers Delta Dental and MetLife as private insurance options, which are available through the VA Dental Insurance Program.

  27. I missed the Obamacare deadline, what should I do?
  28. If you missed Open Enrollment, then you may be eligible to apply during the Special Enrollment Period. Enrollment is available to those who meet the ACA eligibility requirements for a Special Enrollment Period such as losing coverage from retirement.

  29. How long after a life event occurs do I have to qualify for the Special Enrollment Period?
  30. Applicants who qualify for the Special Enrollment Period will have up to 60 days from the date of the event to enroll in a health insurance plan within the system.

  31. When does Open Enrollment begin for Obamacare?
  32. The Open Enrollment Period for Obamacare features a small window of enrollment every year starting in November. Prospective applicants can check the Marketplace website for updates on when enrollment will begin each year.

  33. If I am enrolled in an Obamacare plan and something changes within my family or income, then do I need to report it?
  34. Yes, all changes that occur within a family in terms of income and even a change of address need to be reported as soon as possible. Changes can be reported online, by phone or in person. These changes can directly affect health plan coverage and costs.

  35. What happens if hospice care is no longer needed?
  36. If health improves for a patient, then hospice care can be stopped at any time. A form will need to be signed stating the date in which care officially ended. If eligible, then a patient can go back to hospice care at any time.

  37. Will my VA health care coverage include emergency care?
  38. VA health care coverage may or may not include emergency care, depending on the program. Veterans should call their local VA facility Enrollment Coordinator to find out if this type of coverage is offered.

  39. If I am in hospice care through Medicare, then will I still be covered for issues not relating to terminal illness?
  40. Hospice patients can get covered for services that are not related to terminal illness through Medicare. Original Medicare policies will pay for services for any health programs or conditions no matter if they are related to hospice care. For more details on which medical services Medicare covers, download our comprehensive health care guide.