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

This page explains where VA health care commonly stops, and how Medicare and other health coverage fit alongside it. Three gap cards cover dental, which many veterans do not qualify for through the VA; prescriptions, where VA uses its own formulary and a Part D plan's pharmacy network varies by plan; and specialist and hospital access, since the large Central Florida hospital systems are not VA facilities.

A table lays out TRICARE For Life, each row linked to tricare.mil: who qualifies (anyone TRICARE-eligible with Medicare Part A and Part B), dental and vision, the yearly catastrophic cap, and the fact that keeping it requires Part B, which for most people costs $202.90 a month in 2026. 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. The carrier list is curated for Orange and Seminole Counties and names Medicare and dental carriers only; availability varies by ZIP code. IM65 is not affiliated with the Department of Veterans Affairs.

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