CHAMPVA for Dependents
Healthcare for spouse and dependents not eligible for TRICARE.
Who qualifies
- Veteran sponsor needs 100%+ VA rating
Details
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.
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
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.
Always confirm current rates and rules on VA.gov before applying — eligibility rules and dollar amounts change with each fiscal year.
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 Healthcare
All VA healthcare free — service-connected or not.
Full VA Dental Care
Comprehensive dental coverage for 100% disabled veterans (schedular or TDIU).
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