How Does CHAMPVA Dental Insurance Differ From Other Dental Insurance Plans?

Champva dental insurance differs from other dental insurance plans because it offers a three-year pilot program, with coverage initiated on Jan. 1, 2014, for eligible spouses and children of veterans who are not covered by Tricare. The insurance offers a choice between Delta Dental and Metlife dental insurance plans.

Those eligible for Champva, or the Civilian Health and Medical Program of the Department of Veterans Affairs, are spouses or children of veterans with permanent service-connected disabilities, veterans who died from such disabilities, or some veterans who died in the line of duty but whose spouses and children are not eligible for Tricare. The VA Dental Insurance Program offers dental insurance through private insurers at reduced rates. Depending on the plan beneficiaries choose, benefits include diagnostic, preventative, emergency and surgical treatment.

About 400,000 Champva participants are eligible to participate in the pilot dental insurance program as of March 2015. Monthly costs for individual plans include fixed monthly premiums along with possible copayments. As there is no specific open enrollment period, Champva participants can enroll at any time, and coverage begins on the first day of the following month after enrollment. Participants in the dental plan must agree to an initial coverage period of at least 12 months, after which coverage can continue on a month-to-month basis.