Story 1: Vietnam Veteran, Lives 90 Minutes from Nearest VA
He chose Medicare A + B + Medigap Plan G. Uses VA for primary care when convenient; Medicare lets him use the local hospital for emergencies. Total monthly: ~$365.
Story 2: Gulf War Veteran, in-Town VA Access, Controlled Chronic Conditions
He chose Medicare A only (no premium) and stays with VA primary. He saves the Part B premium because he doesn't use non-VA care. Total monthly: $0.
Story 3: Veteran Spouse, No VA Eligibility
Spouse needs full Medicare since VA doesn't extend to her. Plan G + Part D for her. Veteran picks his own coverage path separately.
Coordination Matters
Each pattern has trade-offs. We model them in the consultation.