VA Benefits Are a Start. Here's What They Don't Cover.

This page explains where VA health care commonly stops, and what private coverage exists alongside it. Four gap cards cover dental, which many veterans do not qualify for through the VA; prescriptions, where formulary limits and pharmacy waits can bite; specialist and hospital access, since the large Central Florida hospital systems are not VA facilities; and burial costs, where the page contrasts the VA's allowance for a non-service-connected death with local funeral prices.

A table lays out TRICARE for Life: who qualifies, what it does not include, and the fact that keeping it requires Part B enrollment, which for most people costs $202.90 a month in 2026. A second table compares VGLI with private whole life on maximum coverage, cash value, medical exams and how premiums move with age. A five-item checklist, sourced from VA.gov, lists the main eligibility categories for VA dental care; the VA decides eligibility.

The page asks nothing of you and calculates nothing. It is education, not a benefits determination: it cannot tell you what the VA will approve, and the VGLI comparison's private premiums are illustrative examples for a healthy nonsmoking Florida male, so real rates vary by health and carrier. The carrier list is curated for Orange and Seminole Counties; availability varies by ZIP code. IM65 is not affiliated with the Department of Veterans Affairs.

A review of your current coverage happens by phone or through the contact form, and the page also lists the site's latest veteran-tagged articles.