CHAMPVA can save beneficiaries a lot of money, but that doesn’t mean you no longer have to pay for your health care at all   As a beneficiary of the program, your medical expenses can be summarized as follows, assuming it is your only form of health insurance.  These figures are taken from the CHAMPVA Guide. published in January, 2014.1


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  • An annual outpatient deductible of $50 per person, up to $100 per family.
  • A cost share (also known as copayment), which is typically 25% per covered service up to a $3,000 yearly catastrophic cap.

The annual deductible, cost share and catastrophic cap may change.  Contact the VA to find out what the current figures are.  If you call CHAMPVA, they have an interactive voice response system (IVR) you can use to check your deductible, catastrophic cap and eligibility status among other things.  You can also refer to the CHAMPVA Guide for beneficiaries and the CHAMPVA Policy Manual.

You should receive notifications from the VA of any changes if you are already enrolled in the program.  Your CHAMPVA Explanation of Benefits (EOB) for each processed claim should also include information about your costs.

You may also be responsible for:

  • Charges for non-covered services and supplies (i.e. if you have no other health insurance that covers them)
  • Premiums, deductibles and other expenses for a CHAMPVA supplement if you have one
  • Provider charges beyond the CHAMPVA allowable amount if you went to see a provider who does not accept assignment with CHAMPVA

In some situations, your cost share may be waived, such as if you meet the annual catastrophic cap or if you receive care at a CITI facility.

 1.. “CHAMPVA Guide.” U.S. Department of Veterans Affairs. January, 2014. Accessed April 5, 2015.
ATTENTION: is an unofficial, privately owned website that is NOT connected with the VA or the government. Please do not use this site as an alternative to official sources such as the official CHAMPVA site. To find a specific page or resource, see a list of CHAMPVA resource links.

We do not guarantee that the information at our website is 100% correct or accurate, nor that changes in government laws, policies and benefits will be reflected immediately on this websitePlease always check with official sources before doing anything with your CHAMPVA coverage!

We will NEVER ask for your personal/sensitive information relating to your VA benefits, medical information, etc. We will NEVER attempt to contact you either promising or soliciting information about your CHAMPVA benefits! Please DO NOT attempt to send messages to this website about CHAMPVA benefits, claims, applications, etc. We are not the VA, and our website has no encryption to protect data!

If you need to contact CHAMPVA, check the official VA contact info here! Read about their warnings and communication safety here.


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