Joe ! I am an 86 year old veteran . App 10 years ago with the advent of the Choice Program and currently Community Care program I opted out of Medicare part b and currently saving me 2100 in annual premiums . During the past 10 years 100 percent of my medical is covered by the Va . In the past 6 years all my medical care albeit hospitals ,clinics , physicians and testing has been handled by non VA hospitals or physicians et al . The VA has always approved of said treatment and as a result no cost to me . Additionally all my scripts, vision and hearing tests and needs are paid by the VA . The only area not covered is preventive dental and about 5-10 percent of my scripts ! I have never had a problem regardless of the states involved . My dental out of pocket is about 500 annually and my scripts total app 300 annually . Check it out as any Veteran who is eligible for Community Care ( more than 40 or 60 miles from a VA facility) should be eligible . Tom