What Insurance Coverage Is Provided by TRICARE and CHAMPVA?


Quick Answer

TRICARE and CHAMPVA insurance provides supplemental coverage to active military service members, military veterans and families of military veterans, and helps pay the cost of medical bills. TRICARE and CHAMPVA covers gap payments for numerous types of inpatient and outpatient medical treatments including surgery, therapy and assisted living care.

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Full Answer

Active and retired military service members and certain family members are eligible for TRICARE insurance. Military spouses are able to qualify for TRICARE benefits, as well as, unmarried children under a certain age. Those not eligible for TRICARE are parents and family members eligible for CHAMPVA coverage. TRICARE eligibility is also extended to people age 65 and over who receive Medicare. Individuals with TRICARE insurance can find health care providers by browsing the TRICARE network provider directory.

CHAMPVA insurance is for dependents or survivors of military veterans, and individuals seeking to enroll can contact the local Veteran's Benefit Administration office, or veteran's center. CHAMPVA coverage approval depends upon the military status of the veteran. Eligibility criteria is based on Veteran's Administration disability ratings such as a permanent disability related to military service. Surviving spouses who remarry before age 55 are not eligible unless the remarriage ends due to death or divorce. TRICARE and CHAMPVA insurance may have a waiting period of around six months before pre-existing conditions are covered.

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