What Are the Benefits of CHAMPVA Insurance?

What Are the Benefits of CHAMPVA Insurance?

The Civilian Health and Medical Program of the Department of Veterans Affairs, or CHAMPVA, covers most medically or psychologically necessary health care treatments, services and supplies, according to the U.S. Department of Veteran Affairs. Once approved, patients receive a program guide that lists specific details about covered and non-covered treatments.

CHAMPVA pays for most medically necessary services, including cancer treatments, maternity care, emergency medical treatments, hospital stays and some eye treatments, as detailed by the CHAMPVA Policy Manual. It also provides coverage for most medically necessary equipment required to treat covered medical conditions. However, it does not pay for hearing aids, eyeglasses, exercise equipment and non-medical equipment, such as humidifiers and safety grab bars.

CHAMPVA provides mental health coverage for most disorders, but it excludes disorders related to sexual dysfunction, obesity and certain conditions not related to a mental disorder that must receive treatment, as the CHAMPVA Policy Manual indicates. It also does not pay for certain types of mental health treatments, such as rolfing, aversion therapy, narcotherapy with LSD, enuretic conditioning programs and primal therapy.

CHAMPVA beneficiaries also receive access to non-urgent, free prescription medication. It achieves this through the Meds by Mail program, as the U.S. Department of Veteran Affairs explains.

Eligible CHAMPVA beneficiaries include the spouses and children of veterans who can no longer serve for specific reasons, according to Benefits.gov. Eligible people also include family members of veterans who are permanently and totally disabled due a service-connected problem, who died during the performance of their duties or who later died due to disabilities incurred during the course of their duties.