Veterans helping Veterans
Medicare, TRICARE For Life & VA benefits that finally work together.
Free, unhurried guidance for Veterans, military retirees, spouses, and caregivers approaching or over 65 — from Disabled Veterans who spent their careers inside military healthcare. We explain how your benefits fit together. You decide what to do about it.
- Free, with nothing to sign
- Veteran-owned
- Education before enrollment
- Veterans served
- 100+Veterans served
- Years healthcare experience
- 30+Years healthcare experience
- Response from a real person
- 1 dayResponse from a real person
- Consultations & briefings
- FreeConsultations & briefings
A fellow Veteran who understands your journey
“I’m Patrick Riley, a Disabled Veteran and retired Army Lt. Colonel. I’ll help you integrate Medicare, TRICARE For Life, and VA benefits so you can get the care you’ve earned when you turn 65 — and save money doing it.”
- 20+ years military service
- Disabled Veteran
- Medicare & TRICARE For Life advisor
Why Veterans trust us
Integration, not sales
Most Veterans can avoid paying monthly health insurance premiums beyond Medicare Part B — and TRICARE For Life eliminates most co-pays and deductibles. Our job is to make sure the benefits you already earned line up.
Integration, not sales
Clear, accurate, up-to-date guidance on how TRICARE For Life, Medicare, and VA health benefits fit together. We coordinate the benefits you already earned rather than pushing new products.
Understanding your out-of-pocket costs
Some Medicare Advantage Plans may help reduce your Part B cost, and for those eligible, TRICARE For Life picks up much of what Medicare leaves behind. We show you how it works out in your situation rather than promising a number.
Fast, human response
Leave a message or voicemail and a real person will respond within 24 hours.
Veteran-owned
Led by a Disabled Veteran and retired Army Lt. Colonel with deep roots in the San Antonio military community.
Our process
Three steps for Veterans turning 65
- 01
Listen & map
We review your TRICARE For Life, Medicare, and VA eligibility together, so nothing falls through a gap in coverage.
- 02
Build your pathway
We show you, in plain language, how a Medicare Advantage Plan, TRICARE For Life, and the VA can work together for your situation.
- 03
You decide
No pressure and no obligation. You choose what to do with what you have learned — appointments are only set when you ask for one.
The three pieces
How Medicare, TRICARE For Life & VA benefits work together
Each one covers something the others don't. Coordinated properly, they close nearly every gap.
- 01
VA Healthcare
Service-connected and specialty care through your VA benefits, including at-home personal care services for Veterans who need assistance.
- 02
TRICARE For Life
Fills the gaps — covering what Medicare doesn't, so you are never left with a large bill.
- 03
Medicare Plan
Access civilian doctors and hospitals through your primary care group and in-network specialists. You choose your primary care physician.
Real example
How proper integration saves you money
- TRICARE For Life covers most Medicare co-pays and deductibles.
- The VA covers service-connected care and at-home personal care services for eligible Veterans, in most cases at no cost.
- Prescription coverage typically comes through TRICARE For Life or the VA at little or no cost to Veterans.
- Many of the Medicare Advantage Plans available to Veterans carry no additional monthly premium beyond the Medicare Part B premium, which applies to everyone enrolled.
An example we see every week
Retired Army Veteran — Turning 65 with military benefits
Maria is approaching 65 and wants to keep using both civilian doctors and the military benefits she earned.
- She confirms when to enroll in Medicare Part A and Part B.
- She reviews how TRICARE For Life becomes secondary to Medicare.
- She compares her civilian care and prescription options before choosing a plan.
A clear path before enrollment
Instead of making separate Medicare, TRICARE For Life, and VA decisions without seeing how they affect one another.
An illustration of a situation we see often — not individualized advice or a guarantee of coverage. Your options depend on your eligibility, location, and the plans available to you.
Medicare Part B carries a premium, which applies to everyone enrolled. Some Medicare Advantage Plans may help reduce that cost, and for those eligible, TRICARE For Life can pick up much of what Medicare leaves. What you actually pay depends on your eligibility, the plan you choose, and the care you receive. Nothing here is a quote or a guarantee of coverage.
What we help with
Where Veterans usually need a hand
All of it free, all of it education first. Each one has a page explaining what's involved.
Medicare enrollment guidance
Getting Part A and Part B right the first time
Learn more →TRICARE For Life consulting
Understanding the benefit that fills your gaps
Learn more →VA benefits coordination
Making your VA care work with everything else
Learn more →Guidance for spouses and caregivers
Your spouse's coverage matters too
Learn more →Annual plan reviews
Plans change every year. Your needs do too.
Learn more →Claims support
When a bill shows up that shouldn't have
Learn more →Group presentations & seminars
Bring a briefing to your post, clinic, or center
Learn more →Medicare enrollment
Civilian doctors, coordinated with the benefits you already have
Learn more →
“Patrick and Veteran Medicare Solutions truly understand what Veterans go through. Transitioning my healthcare felt overwhelming, but their guidance made everything clear and stress-free.”
Free briefings
Come hear it in person
We host free healthcare benefits briefings across San Antonio for Veterans and their spouses approaching or over 65. Bring your questions.
No cost, no obligation
Talk to a fellow Veteran
Tell us where you are in the process. We'll explain your options in plain language and you decide what to do next — that's the whole offer.
- Free, with no hidden fees and nothing to sign
- Answers from fellow Veterans, not a call center
- 24-hour response from a real person
- Nothing is booked until you agree a time
Prefer to talk right now?
(210) 287-6976Looking for something else?
- →RSVP for a briefing — Save a seat at a free educational briefing near you. Spouses welcome.
- →Request a group presentation — Bring a free educational briefing to your VFW post, clinic, senior center, senior living community or Veteran organization.
- →Ask a Medicare question — Not ready to talk? Send a question and get a straight answer back — no appointment, no pitch.
Schedule your free consultation
Tell us a little about your situation and when you're easiest to reach. Nothing is booked when you submit this request.
Common questions
Veteran Medicare questions we hear every week
Do I need Medicare Part B for TRICARE For Life?
Yes. You need to enroll in Medicare Part B to qualify for TRICARE For Life and for Medicare Advantage Plans.
Can I use Medicare and VA benefits together?
Yes. You can use Medicare and VA benefits together — that includes seeing civilian doctors for your care while still using the VA. VA prescriptions are often available at little or no cost, though what you pay depends on your eligibility and priority group. We'll go through your own situation with you.
Do I need Medicare Part D if I use the VA pharmacy?
Generally no. If you get your prescriptions through the VA pharmacy or TRICARE For Life, both are considered creditable prescription drug coverage, so a separate Part D plan is usually unnecessary. We will walk through your specific prescriptions with you before you decide.
How quickly will you respond to my message?
A real person will respond within 24 hours after you leave a message or voicemail.
What is the process for enrolling in Medicare?
We guide you through the entire Medicare enrollment process, making sure you understand each step and can make informed decisions. Our goal is to simplify the process and help you find the best options for your healthcare needs.
What VA benefits am I eligible for?
We help you determine your eligibility for VA benefits, including healthcare and disability compensation. Personalized guidance helps ensure you receive the benefits you are entitled to.
How does TRICARE For Life work with Medicare?
TRICARE For Life works as a secondary payer to Medicare. Once you are enrolled in Medicare Part A and Part B, TRICARE For Life covers most remaining costs, giving you comprehensive coverage.
What does this cost me?
Nothing. Consultations and education sessions are free, with no hidden fees and no obligation. We are licensed insurance agents and are compensated by the plan if — and only if — you choose to enroll in one.
Ready to understand your options?
A free, no-obligation conversation with a fellow Veteran. No pressure, nothing to sign — just straight answers about the benefits you've earned.
Or call us directly — (210) 287-6976
Licensed insurance agent. Veteran Medicare Solutions is a private company. It is not affiliated with, endorsed by, or acting on behalf of the U.S. government, the federal Medicare program, the Department of Veterans Affairs, or the Department of Defense.