{"id":"va-champva-health-benefits","name":"CHAMPVA Health Benefits","provider":"U.S. Department of Veterans Affairs","entitlement_type":"government-benefit","entitlement_type_label":"Government benefit","entitlement_type_context":{"definition":"A government-funded or administered benefit, service, coverage program, assistance program, or public access route.","domain":"public-benefits","archetype":"direct-program","agent_instruction":"Identify the administering jurisdiction and disclose income, household, age, disability, immigration, residence, renewal, fee, and capacity rules that apply."},"summary":"CHAMPVA shares covered health-care costs for certain spouses, dependent children, survivors, and approved primary family caregivers connected to a qualifying Veteran or service member.","benefit":{"description":"Cost-sharing coverage for eligible medical services and supplies, including inpatient, outpatient, pharmacy, mental-health, maternity, and other covered care under CHAMPVA rules, generally coordinated as secondary coverage when another health plan exists.","estimated_value_usd":null},"discovery":{"focus":"public-service","has_estimated_dollar_value":false},"access":{"relationships":["Eligible spouse or dependent child of a qualifying Veteran","Eligible surviving spouse or dependent child","Approved PCAFC primary family caregiver without other health insurance"],"requirements":"The applicant must not be eligible for TRICARE and must fit a CHAMPVA category, such as spouse or dependent child of a Veteran rated permanently and totally disabled from a service-connected disability, eligible survivor of a qualifying Veteran or service member, or an approved PCAFC primary caregiver without other health insurance. Age, school, marriage, Medicare Part A and B, dependency, and other-insurance rules apply by category.","activation":"Check the current category rules and apply online or submit VA Form 10-10d with the Veteran or service-member relationship, dependency, rating, Medicare, other-insurance, and supporting records requested by VA. After enrollment, verify provider participation and preauthorization requirements before care.","cost_basis":"discounted","cost_basis_label":"Discounted access","cost_basis_context":{"classification":"reduced-cost","definition":"The user pays a reduced price rather than receiving the core benefit at no charge.","agent_instruction":"State the known discounted price or reduction and any full-price items, add-ons, or eligibility conditions.","variation_patterns":null,"does_not_mean":null},"fees":"CHAMPVA is cost sharing, not universally free care. Beneficiaries can owe an annual deductible, usually 25% of the allowable amount, noncovered charges, and amounts above program rules up to the applicable catastrophic cap. It generally pays after other health insurance, has exclusions and preauthorization requirements, and is unavailable to anyone eligible for TRICARE.","personalized":false,"regions":["US","CHAMPVA-authorized providers and covered care settings"],"expires":null},"status":"verified","last_checked":"2026-08-04","claim_url":"https://www.va.gov/family-and-caregiver-benefits/health-and-disability/champva/apply-form-10-10d/","source_url":"https://www.va.gov/family-and-caregiver-benefits/health-and-disability/champva/","source":{"primary_url":"https://www.va.gov/family-and-caregiver-benefits/health-and-disability/champva/","evidence":[{"source":"U.S. Department of Veterans Affairs","url":"https://www.va.gov/family-and-caregiver-benefits/health-and-disability/champva/","kind":"provider","checked_at":"2026-08-04"}]},"parent":null,"coverage":{"level":"national","family":"veterans-and-military","jurisdiction":"United States","maturity":"direct"},"web_url":"/benefits/va-champva-health-benefits","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}