Veterans sacrifice a lot in terms of mental, physical, and emotional exertion when they serve their country. In addition to the veteran themselves, their family, community, and other loved ones are often directly impacted as a person serves. One of the benefits for veterans upon their discharge or release from service is the insurance options available for them by the government’s Veteran Affairs or VA.

Health Insurance

The number one insurance coverage option for veterans is the health benefits covered by the United States government. Often referred to as VA health care, these medical benefits will depend on the specific needs of an individual veteran and are subject to the government’s approval and guidelines. Generally, medical benefits for veterans will include any care needed to help a person through an injury or illness, preventative care, rehabilitation or other necessary improvements for functionality, and all-around health and wellness enhancing the quality of life.

In some cases, VA health will cover surgeries, kidney dialysis, immunization, nutrition, and mental health, but there are other medical needs that are strictly not covered by VA Health. These include cosmetic surgery, abortions or abortion counseling, experimental medicine, out-of-network inpatient or outpatient care, and more, as defined by the VA benefits website.

Disability Insurance

Similar to health insurance, VA also offers disability compensation packages that are a tax-free payment for veterans who were injured or fell sick when serving. The disability insurance covers both physical and mental illnesses so long as they were developed as a result of service or were present before service but made worse with duty. While the VA website outlines certain common conditions like PTSD for mental health issues, the bulk of medical necessities is determined upon filing a claim.

When Supplemental Insurance Helps

Some important benefits that not all VA packages cover are branches like vision and dental care. In those cases, supplemental insurance may be worth it to maintain quality of life. Popular supplemental insurance options may include the dental and vision as well as life insurance, critical illness coverage and accident insurance.

Use of Medicare

One popular choice for veterans is the use of Medicare in addition to VA benefits if eligible for both. Because Medicare will not cover costs incurred at a VA facility and VA will not cover costs incurred at a Medicare facility, the two can work in tandem for veterans who qualify — either by being 65 or older or by having a qualifying disability.

If a treatment isn’t included at one or isn’t conveniently located nearby, a person may be able to receive care at the other, effectively covering a person and sometimes dependents in the case that they can only get to one facility or the other for care.

This is a brief product overview only. Coverage may not be available in all states, including but not limited to ID, NJ, NM, NY, or VA. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders have limitations and exclusions that may affect benefits payable. For costs and complete details of the coverage, please contact your local Aflac agent. Dental: In Idaho, Policies A81100RID through A81400RID. In New York, Policies NY81100 through NY81400. In Oklahoma, Policies A81100OK through A81400OK. In Virginia, Policies A81100VA through A81300VA. Vison: In Idaho, Policy VSN100ID. In Oklahoma, Policy VSN100OKR. In Virginia, Policy VSN100VA. Whole & Term Life: In Arkansas, Idaho, Oklahoma and Virginia, Policies: ICC1368100, ICC1368200, ICC1368300, ICC1368400 and Riders: ICC1368050, ICC1368051, ICC1368052, ICC1368053, ICC1368054, ICC1368055. Critical Illness: In Oklahoma, Policies B71100OK & B7110HOK. Not available in ID, NJ, NY & VA. Accident: In Idaho, Policies A35100ID-A35200ID, & A35B24ID. In Oklahoma, Policies A35100OK-A35200OK, & A35B24OK. In Virginia, Policies A35100VA-A35400VA, A35B24VA, & A35BOFVA.

Aflac insurance coverage is underwritten by Aflac. In New York, coverage underwritten by Aflac New York.

The content herein is provided for general informational purposes and is not provided as tax, legal, health or financial advice for any person or for any specific situation. Employers, employees and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.

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