Who Are Eligible for CHAMPVA Health Insurance?


Quick Answer

To qualify for the Civilian Health and Medical Program of the Department of Veterans Affairs insurance program, an individual must be the spouse or dependant child of a veteran who became disabled while serving, died of that disability or died while serving. Applicants must not be eligible for TRICARE benefits.

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Full Answer

Although being the widow or dependant child of a veteran that was killed on active duty is a qualifying detail of the CHAMPVA plan, spouses of veterans killed on active duty are typically only eligible to receive TRICARE benefits. The similarities between who and what each program covers often causes individuals to confuse each program with the other, according to the U.S. Department of Veterans Affairs.

Applicants over the age of 65 must enroll in a Medicare Part B program to be eligible for CHAMPVA benefits. Young adults between the ages of 18 and 23 are only eligible for CHAMPVA benefits if they remain full-time students while receiving benefits.

CHAMPVA plans do not offer beneficiaries total coverage. Instead, beneficiaries share coverage costs with insurance providers. As of 2015, the Affordable Healthcare Act does not affect these costs, and beneficiaries do not need to seek additional medical coverage under the law.

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