CHAMPVA for Dependents
Healthcare for spouse and dependents not eligible for TRICARE.
Federal BenefitHealthcare
Verified September 30, 2026 against va.gov
At a glance
- Benefit type
- Healthcare — Federal
- Who it's for
- Spouses, Survivors, Dependents
- VA rating needed
- 100% or higher
- Where it applies
- United States
- Last verified
- September 30, 2026
What is CHAMPVA for Dependents?
CHAMPVA for Dependents is a federal healthcare benefit for spouses, survivors, dependents. Healthcare for spouse and dependents not eligible for TRICARE. Veteran sponsor needs 100%+ VA rating.
Who qualifies
- Spouses
- Survivors
- Dependents
- Veteran sponsor needs 100%+ VA rating
Who is eligible
Eligibility
Spouse or dependent child of a veteran rated permanently and totally disabled (P&T) from a service-connected disability; OR surviving spouse/child of a veteran who died from a service-connected condition; OR surviving spouse/child of a veteran who was rated P&T (from an SC condition) at the time of death; OR surviving spouse/child of a service member who died in the line of duty (not due to misconduct). Dependents must NOT be eligible for TRICARE.
What CHAMPVA for Dependents covers
Spouse
Benefits end if spouse remarries before age 55. Remarriage on or after age 55 allows benefits to continue.
Children
Eligible until age 18, or up to age 23 if enrolled in school full-time.
Covers
Most medically necessary healthcare services including doctor visits, hospital care, mental health, prescriptions, durable medical equipment, and preventive care.
Cost sharing
Annual deductible of $50 per individual ($100 per family). After deductible, CHAMPVA covers 75% of allowable charges.
Catastrophic cap
$3,000/year per family.
How to apply for CHAMPVA for Dependents
How to apply
Submit VA Form 10-10d along with copies of the veteran's VA rating letter (showing P&T), marriage certificate, and children's birth certificates to the CHAMPVA Center.
Verified information & sources
- Last verified
- September 30, 2026
- Official source
- va.gov
Compiled and fact-checked against the official source linked above. Benefit rules and dollar amounts change over time — always confirm current details at the official source before applying. A county Veterans Service Officer (VSO) is a free, accredited advocate who can review your eligibility and help you file at no cost.
How VetUnlock verifies benefitsFrequently asked questions about CHAMPVA for Dependents
Who qualifies for CHAMPVA for Dependents?
CHAMPVA for Dependents is for Spouses, Survivors, Dependents; Veteran sponsor needs 100%+ VA rating. See the eligibility details on this page and confirm with the official source before applying.
What VA disability rating do I need for CHAMPVA for Dependents?
Veteran sponsor needs 100%+ VA rating.
How do I apply for CHAMPVA for Dependents?
Apply through the official source linked on this page. A county Veterans Service Officer (VSO) can review your eligibility and help you file at no cost.
Where can I verify CHAMPVA for Dependents?
Benefit rules and dollar amounts change, so always confirm current details at the official source linked on this page. A free, accredited county or state Veterans Service Officer (VSO) can also verify your eligibility and help you apply.
Other Federal Healthcare
- VA Healthcare (Service-Connected)Outpatient and inpatient care for service-connected conditions.
- VA Dental (Service-Connected)Dental care for service-connected dental conditions.
- Full VA HealthcareAll VA healthcare free — service-connected or not.
- Full VA Dental CareComprehensive dental coverage for 100% disabled veterans (schedular or TDIU).