I just signed up a couple of months ago and discussed things very carefully with the staff. While I'm eligible for care, I dont have service related injuries, so no free care. They told me that I could get lots of routine things done through VA, and the costs would likely be lower than through commercial providers, but they would still charge for it. They took all my Medicare & supplemental insurance info as part of the sign up process. From what friends have told me, I think that they can be pretty creative in some cases, at considering things service related.