CHAMPVA shares in the cost of covered medical expenses for beneficiaries. Further, it limits each family’s yearly out-of-pocket expenses with a catastrophic cap. The cap as of early 2015 was at $3,000 per calendar year. But this is still too much for many people. For some, the solution is to buy a supplemental insurance to CHAMPVA.
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A supplement to CHAMPVA is sold by a private insurance company; the VA has nothing to do with them. Often you can buy a supplement as “group insurance,” i.e. through membership with a veterans’ or military association. The supplement is likely to have a monthly premium (i.e. a payment) and an annual deductible. When these are met, it pays for your CHAMPVA copay up to the catastrophic cap.
A supplement plan can help prepare for high medical expenses such as a prolonged hospitalization, a chronic illness, childbirth, a serious illness, etc. and the beneficiary finds that the CHAMPVA catastrophic cap is insufficient to protect them.
A CHAMPVA supplemental insurance will have its limitations and restrictions of coverage. Each supplemental insurance policy may differ from others. Review it carefully and ask questions to the insurance carrier if something isn’t clear to you.
Find out if the supplement you want to purchase has limitations or requirements, for example:
- How much is the premium for each adult to be covered? How much for each child?
- Is there an annual deductible per individual and/or family? How much?
- Does it require membership through a veterans or military association?
- Is there a waiting period for pre-existing conditions?
- What are the benefits? What is the extent of coverage?
- What payment methods are accepted?
- How are claims processed?
- Is there a lock-in or lockout period?
Premiums and deductibles may change or vary based on a variety of factors such as location, age and number of persons to be covered. Ask the insurance carrier for their current rates applicable to you if you buy their plan.
Aside from a CHAMPVA supplemental plan, you might also want to look into dental insurance coverage through VADIP, the VA Dental Insurance Program.
Before you purchase a CHAMPVA supplement, research your options, analyze your budget and situation to determine what is best for your family. Our website does not endorse any CHAMPVA supplemental plan.
You are viewing an unofficial, privately owned website. For the most current information about CHAMPVA, please visit the official CHAMPVA site. For details on program policies, see the CHAMPVA Policy Manual. Providers, please refer to the CHAMPVA Information for Providers. Beneficaries, see also the official CHAMPVA Program Guide. For a comprehensive list of links, see a list of CHAMPVA resource links.
We cannot guarantee all information here is 100% correct or accurate. Further, changes in government laws, policies and benefits may not be reported immediately on this website. Please always check with official sources before doing anything with your CHAMPVA coverage!
We will NEVER ask for your personal/sensitive information. We will NEVER attempt to contact you, either promising or soliciting information about your CHAMPVA benefits! Further, the VA itself warns that email is not secure and that they will NOT send you personal or sensitive information through email. Read more about their warnings and communication safety here.
Please DO NOT attempt to send messages to this website about CHAMPVA benefits, claims, applications, etc. If you need to contact CHAMPVA, check the official VA contact info here!