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.

It’s a good idea to ask questions about a CHAMPVA supplement; 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.

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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