04/07/2026
We get a lot of questions about CHAMPVA. One important thing to know is that it is not an insurance policy, it is a health benefit. Below is a brief overview on eligibility. Please click on the link to go to the VA website for more information. If you feel you're eligible or have questions, please give us a call (651-565-3864) we would be happy to assist.
Eligibility for CHAMPVA
You may be eligible for CHAMPVA if you don’t qualify for TRICARE (the Defense Department’s health care program for service members and their families) and 1 of these descriptions is true for you.
At least 1 of these must be true:
You’re the spouse or dependent child of a Veteran who’s been rated permanently and totally disabled from a service-connected disability, or
You’re the surviving spouse or dependent child of a Veteran who died from a service-connected disability, or
You’re the surviving spouse or dependent child of a Veteran who was at the time of their death rated permanently and totally disabled from a service-connected disability
Note: In certain cases, you may be eligible for CHAMPVA if you’re the surviving spouse or dependent child of a service member who died in the line of duty, not due to misconduct. But you can’t get CHAMPVA benefits if you qualify for TRICARE. A “permanent and total disability” is a disability that we’ve rated as 100% disabling and that’s not expected to improve.
The Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA) is a VA health benefits program. CHAMPVA is for the spouses, dependents, and survivors of Veterans who meet certain service-connected disability requirements.Keep reading on this page to learn about the services....