When talking about health coverage, it’s important to be clear: VA health care is not health insurance. It does not replace Medicare or your private plan. Instead, it works alongside those programs and can often provide Veterans with valuable financial advantages.
Lower Costs for Prescriptions One of the most noticeable savings is in prescription medications. VA prescriptions are often provided at little or no out-of-pocket cost. Even when copays apply, they are typically between $5 and $11 per month per medication—far lower than many private insurance plans. Importantly, VA has no annual deductible or required out-of-pocket maximum, which can be a major financial relief compared to private insurance models.
Vision and Audiology Benefits Another area where VA stands apart is vision and audiology services. Veterans enrolled in VA care may be eligible for routine eye exams, preventive screenings, and—in some cases—eyeglasses at no cost. Similarly, hearing exams, hearing aids, repairs, and batteries are often fully covered for eligible Veterans. Compare this to many private insurance plans where vision and hearing benefits are limited or require costly supplemental coverage.
Specialty Care and Equipment VA health care also provides access to prosthetics, medical devices, and specialized equipment. From mobility aids to advanced hearing devices, these benefits are often available with little or no cost once a VA provider determines medical necessity. Private insurance may cover similar items, but usually with higher deductibles, copays, or strict coverage limits.
How VA and Private Care Work Together Many Veterans continue to see private doctors or use Medicare for certain needs. That is perfectly fine. However, it’s worth discussing with your VA primary care team whether services or prescriptions could be provided through VA at lower cost. For example, a prescription written by your VA provider may save you significant money compared to filling it under Medicare Part D or through a private plan.
Bottom Line VA health care is not a substitute for insurance, but it can reduce your overall health expenses and provide access to benefits that private insurance does not always cover. Enrolling in VA health care adds an additional layer of support and financial protection for Veterans and their families.
Disclaimer: This information is provided for educational purposes only. It is not insurance or medical advice. Your County Veterans Service Officer is not an insurance agent or health care provider. For questions about private insurance or Medicare, please consult the appropriate licensed professional.
Brad Anderson and Melissa Crandall are the Lake County Veterans Service Officers and can be reached at 218.834.8326 or cvso@co.lake.mn.us
Karen Christianson is the Cook County Veterans Service Officer and can be reached at 218.387.3639, or karen.christianson@co.cook.mn.us
