CHAMPVA Supplemental Insurance Plan | Features

The CHAMPVA Supplemental Insurance Plan May Provide You With The Protection You May Need When A Serious Covered Accident Or Sickness Occurs



CHAMPVA Insurance

The Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA) is a health benefits program in which the Department of Veterans Affairs (VA) shares the cost of certain health care services and supplies with eligible beneficiaries.

In general the CHAMPVA program covers most health care services and supplies that are medically and psychologically necessary. Upon confirmation of eligibility, you will receive program material that specifically addresses covered and non-covered services and supplies in the form of a CHAMPVA handbook.

GEA CHAMPVA Supplemental Insurance Plan:

  • 100% coinsurance
  • 100% out-of-pocket costs for covered services
  • Pays 100% of Doctors Visits, Pharmacy, and Hospital Co-pays
  • Guaranteed acceptance (subject to 6 month pre-existing condition limitation**)
  • Priced to fit Your Budget As well As Your Needs
  • Smokers Pay the Same Price As Non-smokers
  • Coverage at Almost Any Hospital and Any doctor
  • Comprehensive coverage
  • Issuance of ID cards
Pays 100% of Doctors' Visits and Hospital Co-Pays
Pays: Pays:
75% Doctor Visits 25% of Doctor visits $0.00
Hospitalization up to $635 per day $635 for Hospitalization $0.00
Rx Copay Pharmacy Supplement Pays Rx Copay
75% of Prescriptions 25% of Prescript300.ions $0.00

* After the CHAMPVA Deductible and CHAMPVA Supplement Insurance Plan Deductible have been met.


The CHAMPVA Supplemental Insurance Plan, when combined with your CHAMPVA benefits, is designed to provide you with the protection you need when you need it. The plan will pay your cost share for both covered inpatient and outpatient medical expenses after you satisfy the calendar year plan deductible of $250 per person, $500 family maximum. Take a moment now to read the details inside. Then enroll today to give your family the additional protection of the AMRA CHAMPVA Supplement Insurance Plan that complements your CHAMPVA benefits.


An eligible CHAMPVA sponsor may be entitled to receive medical care through the VA health care system based on his or her own veteran status. Additionally, as the result of a recent policy change, if the eligible CHAMPVA sponsor is the spouse of another eligible CHAMPVA sponsor, both may now be eligible for CHAMPVA benefits. In each instance where the eligible spouse requires medical attention, he or she may choose the VA health care system or coverage under CHAMPVA for his/her health care needs. If you have been previously denied CHAMPVA benefits and you believe you would now be qualified, please submit an application following the guidelines as listed on the "How to apply" section.

CHAMPVA eligibility can be impacted by changes such as marriage, divorce from the sponsor, or eligibility for Medicare or TRICARE. Changes in status should be reported immediately to:


Once you provide all of the required and optional documents, and your application is complete, it takes CHAMPVA approximately six weeks after receiving your package until you receive your CHAMPVA identification card and related materials.

If you provide only the required documents, and not the optional documents, processing can take two to eight months to confirm information with other federal agencies.

Once CHAMPVA receives your application, they will review to be sure it is complete and all the required forms are included. If your application is not complete, CHAMPVA will return it to you with further instructions. For additional information refer to Fact Sheet 01-03 : Instructions for CHAMPVA Applicants.

CHAMPVA APPLICATION This application is for CHAMPVA Beneficiaries who are eligble but have not applied.

CHAMPVA OHI Form This application is for CHAMPVA Beneficiaries who are eligble but have not applied to CHAMPVA.

CHAMPVA GUIDE This guide provides important information about CHAMPVA.

CHAMPVA, ATTN: Eligibility Unit
PO Box 469028
Denver, CO 80246-9028
or call 1-800-733-8387

CHAMPVA and Medicare Work Together

CHAMPVA is always the last payer after Medicare and any other health insurance (OHI). An exception to this is when you reside or travel overseas. When that is the case, if you meet all eligibility criteria, CHAMPVA will be the primary payer (unless you have other health insurance) until you return to the U.S.

If you need assistance, there are four ways to contact CHAMPVA:

VA Health Administration Center
PO Box 65023
Denver, CO 80206-9023

State the nature of your inquiry, the name of the beneficiary (if you are not the beneficiary), the CHAMPVA Authorization Card number (Social Security Number), and a phone number.

Phone: 1-800-733-8387
FAX: 1-303-331-7804

State the nature of your inquiry, the name of the beneficiary (if you are not the beneficiary), and the CHAMPVA Authorization Card number (same as your Social Security Number).

State the nature of the inquiry and the name of the beneficiary (if you are not the beneficiary).

Where to mail CHAMPVA Claims

VA Health Administration Center
PO Box 65024
Denver, CO 80206-9024
Phone: 1-800-733-8387

Before you begin enrollment, review CHAMPVA SUPPLEMENT Features, Benefits Summary and Rates.

It's So Easy To Enroll in the CHAMPVA SUPPLEMENT Enrollment Form


The Plan is currently not available in CO, ME, NH, NV, OR, WA.