Veterans Health Coverage

Coverage From An Insurance Company

If you have private health insurance either directly or through a group plan, and use the VA Health Plan, VA will bill the private insurance company for payment. You will never pay more than the co-payments described above.

Medicare

If you have Medicare, you may choose to use either Medicare or VA, based on whether you use a VA or a non-VA facility.

VA is prohibited from billing Medicare for services that VA provides.

Tricare
TRICARE is a regionally managed health care program for Active Duty, Activated Guard and Reserves, Retired members of the uniformed services, their families, and survivors.
TRICARE supplements military resources with networks of civilian health care professionals.
Active Duty and Guard and Reserve service members are automatically enrolled in Tricare Prime. However military dependents and retirees must choose the Tricare option that best suits their needs.

CHAMPVA
As summarized by the VA: CHAMPVA is a comprehensive health care program in which the VA shares the cost of covered health care services and supplies with eligible beneficiaries. The program is administered by Health Administration Center.

CHAMPVA is a Department of Veterans Affairs program whereas TRICARE is a regionally managed health care program for active duty and retired members of the uniformed services, their families, and survivors. In some cases a veterans may look to be eligible for both/either program on paper. However, if you are a military retiree, or the spouse of a veteran who was killed in action, you are and will always be a TRICARE beneficiary, you can't choose between the two. 

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