ChampVA

[pktrusty]

My wife and I are going full time in May. I applied for Champva for her health insurance in January but they apparently are still opening mail and have not processed it yet.

How do you schedule appointments/fill prescriptions? I have a primary care locally but what options are available for traveling and available for my wife on Champva?

Thanks

[Atlantaemail]

Hello,

I’m the wife of a veteran and exercise my CHAMPVA benefits as a secondary to my primary. I locate doctors through landline to confirm their acceptance of CHAMVA . This way, I don’t experience any issues with the bills being paid. No out of pocket expenses; no even co-payment. I haven’t experienced but a time or two were a doctor didn’t accept CHAMPA and I was required to pay my co-payment. In this scenario ,request a completed super bill for doctor office and be sure all information required by the VA such as;diagnostic codes , your personal information , the doctors information , to name a few is completed on the required form. Be sure to read the book throughly that the VA sends you on your benefits ; follow repayment procedures to the exact or your request for payment will be kicked back after weeks of awaiting payment.

Prescription are a bit easier. I pay at the counter,since I use it as a secondary insurer. I then complete a form and include my pharmacy receipt then mail documents. Weeks later a check is cut covering prescription cost. A little paperwork involved, but it’s worth saving on the cost of prescriptions.
I believe procedures are slightly different when using it as a primary.

[woodbender]

My wife uses Champva as a secondary after Medicare.

She uses Optim RX for meds. The come in the mail no co-pay. (Your wife is eligible for reimbursement for meds and co-pays retroactive to the date you received your 100% award. Ask about how this works when you call the number below.)

This program is MUCH better than any ppo you could imagine.

Call this number. They'll patiently answer questions for as long as you want to stay on the phone with them.

800-733-8387