CHAMPVA (Civilian Health and Medical Program of the Department of Veterans Affairs)¶
A comprehensive health care program in which the VA shares the cost of covered health care services and supplies with eligible beneficiaries. As a cost-sharing program, CHAMPVA pays for part of the cost of medically necessary procedures and services.
CHAMPVA generally pays 75% of the allowable amount for covered services, with the beneficiary responsible for a 25% cost-share. The annual outpatient deductible is $50 per individual and $100 per family. There is a $3,000 annual catastrophic cap per calendar year on out-of-pocket costs for beneficiaries/families. Cost-sharing is waived for certain services, including preventive services, hospice care, and the Meds-by-Mail pharmacy program.
Eligibility¶
- Must be the spouse or child of a veteran who is permanently and totally disabled from a service-connected condition, or who died from a service-connected condition, or who was rated permanently and totally disabled at time of death
- Must not be eligible for TRICARE
- Must not be the spouse of a living veteran who remarried before age 55
Services¶
CHAMPVA generally pays 75% of the allowable amount for covered services, with the beneficiary responsible for a 25% cost-share. The annual outpatient deductible is $50 per individual and $100 per family. There is a $3,000 annual catastrophic cap per calendar year on out-of-pocket costs for beneficiaries/families. Cost-sharing is waived for certain services, including preventive services, hospice care, and the Meds-by-Mail pharmacy program.
How to apply¶
Apply online or find more information at the official program page.