Real Veteran, Real Results
Wallace Duncan
82-year-old Vietnam-era veteran
Wallace is my father. After decades of contributing to Medicare through FICA taxes during his military service and civilian career, he now has Medicare coverage that backs up his VA benefits.
Wallace is maximizing the benefits he earned through FICA contributions while paying the lowest amount possible for his Medicare Part B premium. He maintains comprehensive healthcare coverage that works alongside his VA benefits.
This is what we help veterans achieve - maximizing what you've already earned through decades of FICA contributions.
Stop Overpaying for Medicare • Maximize Your FICA-Earned Benefits
Are you overpaying for Medicare? You've contributed through FICA taxes your entire working life.
Let's ensure you're accessing the full value of what you've already earned.
Learn how to stop overpaying for Medicare while getting coverage that works with your VA benefits and TRICARE for Life.
The VA Recommends Veterans Enroll in Medicare
Even if you have VA health care benefits, the Department of Veterans Affairs officially recommends that veterans enroll in Medicare. Here's what the VA states on their official website:
Key Reasons from the VA:
1. More Healthcare Options:
Medicare provides coverage at non-VA hospitals and doctors, giving you more options to choose from.
2. VA Funding Can Change:
The VA explicitly states that "funding for VA health care could change in the future." Medicare provides a safety net regardless of VA budget changes.
3. Avoid Permanent Penalties:
If you delay Medicare Part B enrollment and later need it, you'll face permanent penalties that increase your costs for the rest of your life.
The VA recommends Medicare enrollment. We help veterans maximize what they've earned through FICA contributions while backing up VA benefits and keeping Medicare premiums as low as possible.
⚠️ Warning: Medicare Part B Penalties Are Permanent and Growing
Understanding Medicare Part B Late Enrollment Penalties
If you don't sign up for Medicare Part B when you're first eligible, you may have to pay a late enrollment penalty for as long as you have Medicare Part B coverage.
• Your monthly premium increases 10% for each full 12-month period you could have had Part B but didn't sign up
• This penalty is permanent - you pay it for as long as you have Part B
• The penalty increases as Medicare premiums increase over time
• VA coverage is NOT creditable coverage for Medicare Part B - it doesn't prevent penalties
Example: Delay Part B for 3 years = 30% permanent penalty
This penalty adds to your Medicare costs every single month for the rest of your life. As Medicare premiums increase over time, your penalty increases too.
Don't wait until you need Medicare to enroll. The penalties are permanent and costly.
Are you overpaying for Medicare premiums? Many veterans are - and they don't even know it.
Chris Duncan and his team work exclusively with veterans to help you avoid overpaying unnecessarily for Medicare while maximizing benefits you've already earned through FICA contributions. We help you access what you've already paid for through decades of payroll deductions.
Many veterans don't know what Medicare options from private companies are actually allowed to do. The Medicare & You handbook explains it, but many veterans never see these options because most advisors don't specialize in veterans. We do. Exclusively.
Pay the Lowest Amount Possible for Medicare Part B
Stop Overpaying - Maximize What You've Earned
Medicare Part C plans are offered by private insurance companies approved by Medicare and may include additional benefits beyond what Original Medicare provides.
You've contributed to Medicare through FICA taxes your entire working life. Our goal: help you pay the lowest amount possible for Medicare premiums while maximizing coverage for services VA doesn't provide. This isn't charity - it's accessing benefits you've already paid for.
Christopher Duncan, Founder
- Certified Medicare Insurance Planner™
- Retirement Income Certified Professional®
- Nearly 20 Years in Financial Services
- Licensed in All 50 States
"Many veterans have questions about Medicare enrollment timing and coordination with VA benefits. I built an organization exclusively to help veterans navigate these decisions correctly."
With nearly 20 years in financial services, we specialize exclusively in helping veterans understand Medicare enrollment, avoid permanent penalties, and ensure proper coordination with VA benefits and TRICARE for Life. That's our only focus - helping veterans navigate Medicare enrollment correctly.
Lowest Medicare Part B Premiums Available to Veterans at All Income Levels
Many veterans incorrectly assume lower Medicare Part B premiums only apply to low-income individuals. This is FALSE.
Getting the lowest Medicare Part B premiums is available regardless of income level.
Whether you have modest retirement income or significant assets, accessing the lowest Medicare Part B premiums matters. These lower premiums are available regardless of income. The Medicare & You handbook, available at Medicare.gov, provides information about Medicare coverage - not government assistance programs.
You've contributed to Medicare through FICA taxes your entire working life. These contributions earned you access to Medicare at age 65. Paying the lowest amount possible for Medicare Part B premiums matters regardless of your current income level.
High income? Moderate income? Fixed income? Getting the lowest Medicare Part B premiums is available to veterans at all income levels. Options vary by county and individual circumstances.
Call to discuss getting the lowest Medicare Part B premiums and what options may be available in your county - regardless of your income level.
How We Help Veterans Navigate Medicare Enrollment
Review Your Current Medicare Costs
Many veterans are paying for Medicare Part B premiums without knowing all their options. You've contributed to Medicare through FICA taxes your entire working life. We review what you're currently paying and help you understand what options may be available in your county. Call to find out what's available where you live.
Understand What You've Earned Through FICA
Every paycheck during your military service and civilian employment, FICA taxes were deducted for Medicare. You've been paying into this system for decades. These contributions have earned you access to Medicare. We help you understand enrollment timing and what options exist in your county. Call to learn what's available based on where you live.
Navigate Medicare Enrollment Correctly
Our goal is helping you enroll in Medicare correctly to avoid permanent penalties while ensuring your Medicare coverage works alongside your VA benefits and TRICARE for Life. We specialize exclusively in helping veterans navigate Medicare enrollment. Call to discuss your specific situation and what options may be available in your county.
Understand Your Medicare Enrollment Options
You've contributed to Medicare through FICA taxes your entire working life. Call to discuss enrollment timing and options in your county.
📞 888-960-VETS (888-960-8387)Schedule Free Consultation
Medicare enrollment guidance for veterans • Avoid permanent penalties • Licensed in 50 states
We Speak Veteran™
Our Veteran Client Testimonials
