100% disabled veteran and I use them for some things and also can use the Indian/Cherokee healthcare system. I still carry private insurance as I don't trust either the VA and Indian/Cherokee health system for major health problems. It takes forever to get appointments and referred to specialists. And the VA misdiagnosed my heart problems saying I was fine, only to later have two stents placed that my private cardio found. VA didn't want to do further testing but private cadio did and found the blockages. It's best to have as many options for healthcare that you can afford, just in case.