YOUR MEDICATIONS

A Handbook for the CHAMPVA Program www.va.gov/hac

IMPORTANT PHONE NUMBERS

NAME TELEPHONE NUMBER

YOUR DOCTOR (PRIMARY CARE)

YOUR DOCTOR

Published May 2009

YOUR DOCTOR

YOUR HOSPITAL

YOUR PHARMACY

CHAMPVA 1-800-733-8387

Magellan Mental Health 1-800-424-4018

Meds by Mail (MbM) East 1-866-229-7389

(see page 17 for the number of the West 1-888-385-0235

servicing center for your state)

Social Security Administration 1-800-772-1213

For help with questions about eligibility TTY 1-800-325-0778

for and enrolling in Medicare, Social

Security retirement benefits or

disability benefits

Medicare Helpline 1-800-MEDICARE

For help with questions about Medicare (1-800-633-4227) 

TTY 1-877-486-2048

SXC Beneficiary 1-888-546-5502

Words that are in bold green print are defined on pages 60–64.
www.va.gov/hac A Handbook for the CHAMPVA Program i

TABLE OF CONTENTS

1

2

3

4

5

6

7

8

9

10

11

HELPFUL TIPS 1

SECTION 1: ELIGIBILITY REQUIREMENTS 5

Spouse Status

CHAMPVA and Medicare 

Common Eligibility Questions 

CHAMPVA and TRICARE 

Child Status

SECTION 2: WHEN YOU NEED HELP OR INFORMATION 11

Customer Service

Where to Get Forms and Publications

Where to Send Completed Forms 

SECTION 3: OBTAINING MEDICAL CARE 14

VA Medical Providers

Non-VA Medical Providers

Pharmacy Providers 

SXC Retail Network Pharmacy

SECTION 4: BENEFIT INFORMATION 20

Authorization for Care

Covered Benefits (not all inclusive)

Other Covered Services

Noncovered Services (not all inclusive)

SECTION 5: YOUR COSTS 40

Annual Deductible 

Cost Share 

Catastrophic Cap 

CHAMPVA Allowable Amount

Coverage Outside the United States

Cost Summary—When You Have No Other Health Insurance 

Cost Summary—When Care Is Provided by a VA Source

When CHAMPVA Pays Incorrectly

SECTION 6: OTHER HEALTH INSURANCE (OHI) 44

OHI Certification

CHAMPVA as Primary Payer

CHAMPVA as a Secondary or Tertiary Payer

CHAMPVA and Health Maintenance Organization (HMO) or Preferred 

 Provider Organization (PPO) Plans
ii A Handbook for the CHAMPVA Program www.va.gov/hac

TABLE OF CONTENTS

1

2

3

4

5

6

7

8

9

10

11

SECTION 6 (CONT.): OTHER HEALTH INSURANCE (OHI) 44

Cost Summary—When You Have OHI (Other Than Medicare)

CHAMPVA and Medicare

Cost Summary When You Have Medicare

CHAMPVA and Workers’ Compensation

CHAMPVA and Accidental Injuries

SECTION 7: CLAIM-FILING INSTRUCTIONS 50

When You Submit the Claim 

Provider Submitted Claims

Pharmacy Claims 

Where to Mail Claims 

Claim-Filing Deadlines 

Explanation of Benefits (EOB)

SECTION 8: APPEAL REQUESTS 54

SECTION 9: HELP FIGHT FRAUD 56

Detection Tips 

Prevention Tips 

SECTION 10: NOTICE OF PRIVACY PRACTICES 57

Requesting or Releasing Information from My Record

SECTION 11: DEFINITIONS OF COMMON WORDS 

AND ACRONYMS USED IN THE HANDBOOK 60

INDEX 65

Department of Veterans Affairs

Health Administration Center

CHAMPVA

VA Health Administration Center

CHAMPVA

PO Box 469063

Denver CO 80246-9063

Phone: 1-800-733-8387

E-mail: Please go to this Web link and follow 

the directions for e-mail: 

http://www.va.gov/hac/contact
www.va.gov/hac A Handbook for the CHAMPVA Program 1

HELPFUL TIPS

KEEP THIS Handbook

This handbook provides important information 

about the CHAMPVA program. We also have 

a Web site where you can find A Handbook for 

the CHAMPVA Program in an electronic format. 

Go to www.va.gov/hac and check it out!

The handbook is not reprinted yearly. 

Occasionally, there will be a change that could 

impact your eligibility, benefits or costs. When 

that happens, we will send you a notification of 

the change and ask you to add it to your 

handbook. Please remember this handbook is 

only a guide. The law, regulations and policy manual are the authoritative guidance for 

the CHAMPVA program.

FINDING INFORMATION IN THIS Handbook

The Table of Contents lists the topic areas by section, with corresponding 

page numbers.

The Index that begins on page 65 is an alphabetical listing of the topics addressed in 

this handbook, with corresponding page numbers.

Words and acronyms highlighted in green text in this handbook are defined on 

pages 60–64.

CHAMPVA APPLICATIONS

Information on how to apply for 

CHAMPVA can be found on our 

Web site at www.va.gov/hac or by 

calling us at 1-800-733-8387.

Words that are in bold green print are defined on pages 60–64.
2 A Handbook for the CHAMPVA Program www.va.gov/hac

HELPFUL TIPS

CHANGE OF ADDRESS

It is very important that you notify us if your address or phone number changes by 

contacting us at:

Mail: VA Health Administration Center

 CHAMPVA ELIGIBILITY

 PO Box 469028

 Denver CO 80246-9028

Phone: 1-800-733-8387

E-mail: Please go to this Web link and follow the directions for e-mail: 

 http://www.va.gov/hac/contact/

SPECIAL NEEDS

Hearing impaired callers please use the Federal Relay Operator at 1-800-877-8339.

When English is not your first language, we can arrange for a third-party translator. 

When you call us, we will ask our translation service to participate in the phone call.

We can also provide you, on request, a copy of the CHAMPVA Handbook in any 

language or Braille. It will take about six weeks to provide you the translated handbook 

from the time we receive your request.

HELPING YOU TAKE AN ACTIVE ROLE IN YOUR HEALTH CARE

Our number one priority is keeping you healthy. Numerous studies 

have shown that patients who are well informed about their care and effectively 

communicate with their health providers report better overall health. That’s why we 

encourage you to take control of your health and become an active partner every step 

of the way.

Effective communication with your provider begins even before your first appointment. 

The time you take to prepare for your appointment will help you and your physician 

better manage your care. Make a list of any prescription or over-the-counter 

medications you take on a regular basis, as well as the dosages. It may also be 

helpful to make a note of symptoms you may be having, including duration, intensity 

and what, if anything, relieves the symptoms. Finally, be sure to make a list of any 

specific questions you may have and prioritize them so you are sure to get answers 

to your most urgent concerns.

During your appointment, be sure to ask your physician to fully explain any terminology 

or procedure you don’t understand, and write down the answers, if necessary. If you 

are prescribed any medications, make sure that you know how much you are 

supposed to take and when you are supposed to take them. 
www.va.gov/hac A Handbook for the CHAMPVA Program 3

HELPFUL TIPS

Here is a list of questions that may also help you to gain 

understanding of your condition:

• Why do I have this problem?

• How will this problem affect me in the future?

• What treatment is needed?

• Will the treatment require any changes to my diet 

or lifestyle?

• What will happen if I don’t treat this condition right away?

• Do I need any tests?

• Why do I need this medicine, and how long will I need to 

take it?

• Are there any foods or drinks I should avoid while taking 

this medicine?

• What are the side effects of this medication?

• When should I schedule a follow-up appointment?

SUGGESTIONS FOR LONG-TERM CARE ASSISTANCE

As you read about the benefit package described in this 

handbook, you will find that long-term care is not a 

covered CHAMPVA benefit. Long-term care is also known 

as custodial care and can be provided in nursing homes, 

assisted living facilities, adult day care or at a patient’s 

home. It involves assistance with activities of daily living 

or supervision of someone who is cognitively impaired. 

That would include assistance with walking, personal 

hygiene, toilet, dressing, cooking/feeding and medication.

Because neither CHAMPVA nor Medicare covers 

custodial long-term care, and it can be very expensive, 

we are providing you some options that you might want to 

consider as you plan ahead, before a crisis occurs.
4 A Handbook for the CHAMPVA Program www.va.gov/hac

HELPFUL TIPS

Long-Term Care Insurance 

This insurance is sold by private 

insurance companies and usually 

covers medical care and nonmedical 

care to help you with such personal 

needs as bathing, dressing, using the 

bathroom and eating.

For more information about long-term 

care insurance, get a copy of “A 

Shopper’s Guide to Long-Term Care 

Insurance” from your State Insurance 

Department or the National Association 

of Insurance Commissioners, 2301 

McGee Street, Suite 800, Kansas City, 

MO 64108-2662. 

Life Insurance Policies 

Some insurance companies may allow 

you to use your life insurance policy to 

pay for long-term care. Ask your 

insurance agent how this works.

Personal Resources 

You can use your savings to pay for long-term care. You may qualify for Medicaid after 

most of your personal resources have been used.

COMMENTS?

We are always looking for your feedback. If you have suggestions on ways we can 

improve this handbook, please contact us at:

 VA Health Administration Center

 CHAMPVA

 PO Box 469060

 Denver CO 80246-9060

 Attention: Communications

 E-mail: Please go to this Web link and follow the directions for 

e-mail: http://www.va.gov/hac/contact/
1

SECTION 1: ELIGIBILITY REQUIREMENTS

www.va.gov/hac A Handbook for the CHAMPVA Program 5

Eligibility for CHAMPVA benefits can be impacted by changes to marriage status, 

eligibility for Medicare or TRICARE, and the student status of children ages 18 to 23. 

Such changes must be reported to us immediately. Call us at 1-800-733-8387 or send 

the changes to:

 VA Health Administration Center

 CHAMPVA Eligibility

 PO Box 469028

 Denver CO 80246-9028

SPOUSE STATUS

A spouse loses eligibility when:

There is a divorce or annulment from the qualifying Veteran sponsor. Eligibility for 

CHAMPVA ends on midnight of the effective date of the divorce decree or annulment.

CHAMPVA AND MEDICARE

Your Medicare status has an impact on your eligibility for CHAMPVA benefits. Medicare 

automatically enrolls the vast majority of eligible beneficiaries 90 days prior to their 

65th birthday. When you receive your initial information from Medicare, you also 

receive a Medicare card indicating both Medicare Part A and Medicare Part B 

coverage. To continue your CHAMPVA eligibility, you MUST enroll in, and remain 

enrolled in, Medicare Part B. When you receive your Medicare card, send us a 

copy (along with the CHAMPVA OHI form, VA Form 10-7959c [see page 44])

immediately so we can take action to continue your CHAMPVA benefits 

without interruption.

How it works: When you have eligibility for both Medicare and CHAMPVA, billing for 

health care services must first be sent to Medicare and any Medicare supplement 

plans (usually referred to as Medigap plans) before the bill is sent to CHAMPVA. The 

claim can be submitted to CHAMPVA after Medicare pays its portion of the bill. We can 

process the remaining portion of the bill when we receive the provider’s bill along with 

the explanation of benefits (EOBs) from Medicare and Medicare supplemental 

plans (if applicable).

We often receive questions regarding continued eligibility for CHAMPVA when there 

is Medicare entitlement as well as questions about coverage and payment. It can 

seem complicated, and we will try to reduce any confusion regarding the requirements 

to continue CHAMPVA eligibility if you are also eligible for Medicare and the benefits 

of using CHAMPVA with Medicare by providing you some of those questions and 

the answers.

Words that are in bold green print are defined on pages 60–64.
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SECTION 1: ELIGIBILITY REQUIREMENTS

6 A Handbook for the CHAMPVA Program www.va.gov/hac

First, a brief overview of Medicare Parts A, B, C and D:

• Part A: Premium-free hospital insurance. You are eligible for Part A coverage if 

you are age 65 or older or if you are under age 65 with certain disabilities. There 

is a copayment.

• Part B: Outpatient insurance. There are copayments and premiums that apply. As 

of January 2007, Medicare Part B premiums are based on your yearly income.

• Part C: This is known as the Medicare Advantage Plan. It provides the benefits you 

would receive under both Parts A and B and is administered like an HMO. There 

are different copayments and deductibles, and you see an identified network 

provider. There is an additional premium for the Advantage Plan (beyond the 

premium you pay for Part B).

• Part D: Prescription coverage. Cost for this will vary depending on the plan. There 

is a copayment. Most plans also charge a monthly premium, and a yearly 

deductible might apply.

Common eligibility questions

If I am eligible for Medicare Part A, do I need Medicare Part B to also be 

eligible for CHAMPVA?

In almost all cases the answer is yes, however, the answer to this question varies 

based on the circumstances listed below.

• If you are under age 65 and eligible for Medicare Part A (to include the end stage 

renal disease [ESRD] program) you must always have Medicare Part B.

• If you are over age 65 and were never eligible for premium-free Medicare Part A, 

you do not need Part B.

• If you become eligible for CHAMPVA after June 5, 2001, regardless of your age 

when you become eligible, you must have Medicare Part B.

• If you were over age 65 and eligible for CHAMPVA when the law changed in 2001 

to allow CHAMPVA benefits to continue, secondary to Medicare, you might have 

been “grandfathered in.” That means that if you were CHAMPVA eligible as of June 

5, 2001, and only had Medicare Part A, the law stated you could continue with 

CHAMPVA after that date and you did not have to purchase Part B. If you had

purchased Part B, however, you could not discontinue your enrollment in it.

If I am enrolled in Medicare Part B, is there any time I can cancel Part B 

coverage and still be eligible for CHAMPVA?

If you have Medicare Part B, do not cancel it. If you cancel Medicare Part B 

coverage, your eligibility for CHAMPVA benefits will end on the same date your 

Part B coverage ends.
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SECTION 1: ELIGIBILITY REQUIREMENTS

www.va.gov/hac A Handbook for the CHAMPVA Program 7

My husband just became permanently and totally disabled from a serviceconnected injury. He is 80 years old, and I’m 70. I have Medicare Part A, but 

not Part B. Will I be eligible for CHAMPVA?

Not at this time. If you are not covered under the Department of Defense TRICARE 

program, and you purchase Medicare Part B, you can become eligible for CHAMPVA 

as of the effective date of the Medicare Part B coverage.

I am enrolled in the Medicare Advantage Plan (Part C). Will that affect my 

eligibility for CHAMPVA?

The Medicare Advantage Plan is viewed the same as having Medicare Parts A and B, 

so there is no impact on your CHAMPVA eligibility.

How do I know if I have a Medicare Advantage Plan (Part C) or a Medicare 

supplemental plan (a Medigap plan)?

If you are uncertain, and it is not clear from the information you have from the plan, 

contact Medicare and ask if the coverage you have with them is a Medicare 

Advantage Plan.

I am a CHAMPVA beneficiary and will soon have my 65th birthday. What do 

I need to do so that my CHAMPVA benefits continue uninterrupted?

In most cases, you can have all the paperwork done for enrollment into Medicare 

90 days before your 65th birthday. Make sure you enroll in Medicare Part B. As soon 

as you receive your Medicare card that shows the dates your Medicare Parts A and B 

will begin, send a copy of the card to us along with an other health insurance 

(OHI) certification form (10-7959c). The form is available on our Web site at: 

http://www.va.gov/hac/forms/champva/10-7959c.pdf. We will update your records 

when this information is received and issue you a new CHAMPVA Identification Card 

with an extended expiration date.

Can I use a VA Medical Center under the CHAMPVA In-house Treatment 

Initiative (CITI) program to obtain my care if I am Medicare eligible?

CHAMPVA beneficiaries with Medicare cannot use a VA Medical Center under our CITI 

program, because Medicare will not pay the VA Medical Center for the services it 

provides. If you are currently being seen at a VA Medical Center, but will become 

entitled to Medicare soon, you will need to find a different provider.

Must I enroll in Medicare Part D, the prescription drug plan, to be eligible 

for CHAMPVA?

No, you do not need to enroll in Part D to maintain your CHAMPVA eligibility. In fact, 

there are some benefits of the CHAMPVA prescription programs you would no longer 

be able to use if you enrolled in Part D. You would not be able to use the Meds by 

Mail program, through which you can obtain your maintenance medications at no cost 

to you (no premiums, no deductible and no copayments). You would also not be able 

to use our network retail pharmacies.
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SECTION 1: ELIGIBILITY REQUIREMENTS

8 A Handbook for the CHAMPVA Program www.va.gov/hac

Additional Information About Medicare and CHAMPVA Eligibility 

• If you are required to have both Medicare Parts A and B to establish CHAMPVA 

eligibility, and you did not obtain Medicare Part B previously, you will need to 

contact the Social Security Administration to enroll in Part B. Your CHAMPVA 

eligibility can then be established on the effective date of your Medicare Part B.

• Medicare Part D (Drug Plan) has no impact on your eligibility for CHAMPVA. 

However, if you enroll in Medicare Part D, you will not be able to participate in our 

Meds by Mail program (see page17).

• If you are 65 or over and live overseas, you must be enrolled in Medicare Part B, 

even though Medicare does not provide benefits for medical care received 

overseas. CHAMPVA will be the primary payer for the benefits, and you will 

receive the same level of coverage provided to those under age 65.

• VA is considered a “creditable prescription drug plan.” CHAMPVA beneficiaries who 

chose not to enroll in a Medicare Part D plan before May 15, 2006, will not have to 

pay a late enrollment penalty if they choose to enroll in a Medicare drug plan during 

a later enrollment period.

CHAMPVA AND TRICARE

TRICARE is a health care program for active duty and retired uniformed service members 

and their families. If you become eligible for TRICARE benefits, you are no longer eligible 

for CHAMPVA, and you must notify us immediately of this change in your status. You may, 

for example, become TRICARE eligible when the qualifying Veteran sponsor is a retired 

reservist or National Guard member and begins to receive retired pay at age 60.

CHILD STATUS

A child loses eligibility when: 

• a child (other than a helpless child) turns 18, unless enrolled in an accredited 

school as a full-time student.

• a child, who has been a full-time student, turns 23 or loses full-time student status.

• a child marries.

• a stepchild no longer lives in the household of the sponsor.

Impact of the Divorce or Remarriage of Parent on Child/Student Status 

The eligibility of a birth or adopted child of the qualifying Veteran sponsor is not 

impacted by the parents’ divorce or remarriage.

However, a stepchild of the qualifying Veteran sponsor will lose CHAMPVA eligibility if 

the parents divorce, and that stepchild loses dependent status as determined by the VARO.
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SECTION 1: ELIGIBILITY REQUIREMENTS

www.va.gov/hac A Handbook for the CHAMPVA Program 9

Requirements for Students (Age 18–23) 

To establish student status, and retain CHAMPVA eligibility, an unmarried child 

between the ages of 18 and 23 must attend school full time. Schools include, but are 

not limited to, high school, vocational/technical, undergraduate, graduate or 

postgraduate levels of study. Eligibility can be maintained to the date of graduation or 

until the 23rd birthday, whichever comes first. Please read the following information 

carefully to avoid interruption of benefits.

First certification of full-time school attendance after age 18: A letter will be sent to 

the student 90 days prior to his or her 18th birthday, providing notification of the 

impending change in CHAMPVA eligibility. This letter will also outline the necessary 

actions for extending CHAMPVA eligibility: 

• To avoid an interruption of CHAMPVA benefits for the 

summer break between high school and the first term of 

the continuing education program, the student must 

send us proof of intent to continue his or her education 

(e.g., a letter of acceptance). When we receive that 

letter from the educational institution, we will cover the 

break between high school and the start of the first term 

of the continuing full-time education program.

• Within one month after the first term begins, the student 

must submit a school certification verifying enrollment. If 

CHAMPVA does not receive verification, benefits will be 

terminated and any payments made by CHAMPVA after 

the student turned 18 will be subject to recoupment. 

The certification letter should be on school letterhead 

and include:

 - student’s full name,

 - student’s Social Security number (SSN), 

 - exact beginning date and projected graduation date, 

 - number of semester hours or equivalent certification of full-time status and

 - title and signature of a school official.

Recertification of full-time school attendance: 

The student will need to recertify their full-time enrollment status on an annual basis. 

We will send a reminder each year before the update is due. In addition, we will 

periodically check with the school to ensure the student is enrolled as a full-time 

student. CHAMPVA will accept a copy of the student’s school transcript attached to the 

certification form as verification of full-time enrollment.

School breaks: Once a student’s CHAMPVA eligibility has been established, it will not 

be interrupted during school breaks, as long as the student is enrolled as a full-time 

student during the terms prior to and following the break.
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SECTION 1: ELIGIBILITY REQUIREMENTS

10 A Handbook for the CHAMPVA Program www.va.gov/hac

Withdrawal from school: If the student withdraws from 

school, their eligibility will be terminated. We must be notified 

of the change immediately.

Disabling illness: If the student incurs a disabling illness or 

injury while enrolled as a full-time student, and this prevents 

him or her from continuing as a student, eligibility may 

continue for six months after the disability ceases, for two 

years after the onset of the disability or until the 23rd 

birthday—whichever occurs first. Medical documentation is 

required to support that the illness or injury is of a disabling 

nature and that it prevents the student from attending school. 

Such documentation is also required to support the expected 

date the student will be able to return full time.

Change in student status: If the student fails to notify us of the termination of full-time 

status, any claim paid by us after the date of loss of eligibility will be considered invalid, 

and you will be held financially responsible for repaying in full the government and/or 

the health care provider for their services. 

Requirements for Helpless Child Status 

A child who, prior to reaching age 18, becomes permanently incapable of self-support 

may qualify as a helpless child. This determination is made by a Veterans Affairs 

Regional Office (VARO). Once helpless child status is determined, CHAMPVA 

benefits will continue without an age limitation unless the helpless child marries. If 

you believe your child may qualify as a helpless 

child, contact 1-800-827-1000 

for assistance.

Impact of Marriage 

If a child marries, regardless of whether he or she is 

under age 18, a full-time student or has helpless 

child status, that child will lose CHAMPVA eligibility 

as of midnight on the date of the marriage. 
www.va.gov/hac A Handbook for the CHAMPVA Program 11

2

SECTION 2: WHEN YOU NEED HELP OR INFORMATION

CUSTOMER SERVICE

We are always working to improve our service to you. 

We are committed to getting you accurate and timely 

information about your benefits and giving you a 

variety of ways to obtain the needed information.

If this handbook doesn’t provide you with the answers 

to your questions or the information you need, the 

following sources may be of use to you.

Interactive voice response system

 Phone Toll Free: 1-800-733-8387

 Hours of Availability: 24 Hours a Day,

 7 Days a Week

You can obtain information and request forms through our interactive voice response 

system, without waiting to speak to a customer service representative.

Services available through this system are:

• Ordering CHAMPVA forms and applications.The prompts will instruct you to leave a 

voice mail request by leaving your CHAMPVA Member Number (Social Security 

number), full name and address.

• You can check on your eligibility, claims status, annual deductible and annual 

catastrophic cap.

• Your providers can check on your eligibility or the status of a payment.

Talk to a customer service representative

 • Phone Toll Free: 1-800-733-8387

Monday through Friday

(excluding holidays)

• Hours of operation: 8:05 a.m. to 7:30 p.m. Eastern Time

• We have recently implemented a Virtual Hold system to allow us to call you back 

when our estimated wait time exceeds three minutes.

Web: www.mychampva.com

At this Web site you can retrieve information about your claim status, current period of 

eligibility and other health insurance (OHI) information the HAC has on file.

To register for the automated Web service, access www.mychampva.com. After 

completing the HAC online registration screen, please print the required VA Form 

10-5345, Request for Authorization to Release Medical Records or Health Information, 

Words that are in bold green print are defined on pages 60–64.
12 A Handbook for the CHAMPVA Program www.va.gov/hac

2

SECTION 2: WHEN YOU NEED HELP OR INFORMATION

which is also available on this Web page. Print the form by clicking the link entitled 

Written Request Form at the bottom of the page, and follow the instructions to 

complete the form. Mail the completed form to:

 VA Health Administration Center

 HAC On-Line

 PO Box 469028

 Denver CO 80246-9028

We receive e-mail notification when you register for the automated Web service online. 

Shortly after that happens, you will receive an e-mail that will contain your log-in 

identification. After we receive your mailed Request for Authorization to Release 

Medical Records or Health Information, you will receive a second e-mail saying your 

account has been activated. You will not be able to access the site for 48 hours after 

activation. For your protection, keep your password in a safe place.

www.va.gov/hac

The following information is available on the Web site 24 hours a day, 

7 days a week:

• The CHAMPVA Handbook and Policy Manual

• Frequently asked questions

• Fact sheets on all aspects of the CHAMPVA program 

Chat Line

Your CHAMPVA questions can be answered live, online by a Chat Line customer 

service representative, 10:00 a.m. to 6:00 p.m., Eastern Time, Monday through 

Friday (excluding holidays). To access the Chat Line, go to 

www.va.gov/hac/contact/contact.asp and select “Chat Live!”

E-mail

Please go to this Web link and follow the directions for submitting e-mail via IRIS: 

www.va.gov/hac/contact

Typically, you will receive a response to your question within one working day. To 

protect your privacy, we recommend that you do not include sensitive or personal 

information in the message. We do ask that you include your full name in the body of 

the message. We will not return information containing personal identifiers or medical 

information on e-mail. If you are requesting that type of information, we will call you or 

send the information through regular mail.

 Note: To view and print forms, you must have Adobe Acrobat Reader version 6.0. 

This is available to download for free from our Web site if you do not currently 

have it loaded on your computer.
www.va.gov/hac A Handbook for the CHAMPVA Program 13

2

SECTION 2: WHEN YOU NEED HELP OR INFORMATION

Mail 

When you write to us, please include your name and phone number.

Send your inquiry to:

 VA Health Administration Center

 CHAMPVA

 PO Box 469063

 Denver CO 80246-9063

WHERE TO GET FORMS AND PUBLICATIONS

Forms and publications are available to you through the customer service options 

identified on pages 11–12. When you use any of these options, make sure you provide 

your name and address.

WHERE TO SEND COMPLETED FORMS

CHAMPVA Applications/ VA Health Administration Center

School Certifications CHAMPVA Eligibility

 PO Box 469028

 Denver CO 80246-9028

Other Health Insurance VA Health Administration Center

(OHI) Certification Forms CHAMPVA

 PO Box 469063

 Denver CO 80246-9063

 Note: You can also provide OHI information by calling a customer service 

representative, at 1-800-733-8387.

Completed Claims for VA Health Administration Center

Medical Services and CHAMPVA

Supplies PO Box 469064

 Denver CO 80246-9064
14 A Handbook for the CHAMPVA Program www.va.gov/hac

3

SECTION 3: OBTAINING MEDICAL CARE

Each CHAMPVA eligible family member receives an identification card. We changed 

our practice of displaying your Social Security number (SSN) as the member number 

on the identification card due to the potential risk of identity theft. The sample below 

shows that cards are issued with the phrase “Patient SSN” in the Member Number 

space rather than the actual number being displayed.

When you visit your doctor, make sure you take your CHAMPVA Identification Card 

with you. Since your cost share (copayment) for care will be a percentage of the 

CHAMPVA allowable amount rather than a specific, predetermined dollar amount, 

talk to your doctor about how and when to pay your part of the bills. If you are receiving 

outpatient care (including prescriptions) and you have already paid your deductible or 

reached your catastrophic cap for the year, bring your most recent CHAMPVA 

Explanation of Benefits (EOB) with you to show you have met one or both of these 

requirements for the year.

CHAMPVA covers most medically necessary health care services, including 

ambulance, ambulatory surgery, durable medical equipment (DME), family planning 

and maternity, hospice, inpatient services, mental health services, outpatient services, 

pharmacy, skilled nursing care and transplants.

We pay for covered services and supplies, when they are 

determined to be medically necessary and are received 

from an authorized provider. When providers are performing 

services within the scope of their license or certification, we 

consider them to be authorized. The most common providers 

are: anesthetist, audiologist, certified clinical social worker, 

certified nurse midwife, certified nurse practitioner (NP or 

CNP), certified registered nurse anesthetist (CRNA), certified physician assistant (PA), 

certified psychiatric nurse specialist, clinical psychologist (Ph.D.), doctor of osteopathy 

(DO), licensed clinical speech therapist (LCSP), licensed practical nurse (LPN), 

licensed vocational nurse (LVN), marriage and family counselor/therapist, medical 

doctor (MD), occupational therapist (OT), pastoral counselor, physical therapist (PT), 

physiologist, podiatrist (DPM), psychiatrist and registered nurse (RN).

Open Access 

No Referral Required

Beneficiary Name

Include this Member Number on all claims and letters

This is your CHAMPVA Identification Card

Effective Date Expiration Date 1-800-733-8387

www.va.gov/hac

“Patient SSN”

CHAMPVA

Department of Veterans Affairs 

Health Administration Center CHAMPVA is secondary to most other health plans. Include an 

explanation of benefits from other insurers. CHAMPVA is primary 

to Medicaid.

For Electronic Claims Filing please follow the instructions at:

www.va.gov/hac/forproviders under “How to File a Claim.”

For Mental Health/Substance Abuse Preauthorization

Call 1-800-424-4018—Preauthorization is required: 

• After 23 outpatient mental health visits in a calendar year 

• For all other mental health/substance abuse services

For Durable Medical Equipment (DME) Preauthorization

Call 1-800-733-8387—Preauthorization is required:

• For DME purchase or rental over $2,000

Words that are in bold green print are defined on pages 60–64.
www.va.gov/hac A Handbook for the CHAMPVA Program 15

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SECTION 3: OBTAINING MEDICAL CARE

You have many choices when selecting a provider. Medical services may be available 

to you at your local VA Medical Center through the CITI program, described in the 

following paragraph. You may also obtain medical services from non-VA providers.

VA MEDICAL PROVIDERS

Depending on whether your local VA Medical Center (VAMC) participates in the 

CHAMPVA Inhouse Treatment Initiative (CITI – pronounced “city”) and the type of 

services a VAMC has available, you may be able to receive all or a portion of your 

medical care through the CITI program. The care may include inpatient, outpatient, 

pharmacy, DME and mental health services. The care you receive through this 

program is at no cost to you! There is no cost share and no deductible for the care 

you receive through CITI. More than half of all VA medical facilities participate in the 

CITI program, so there is a good chance that a VAMC near you is a participant.

To find out if your local VAMC participates in this program 

• Go to our Web site at www.va.gov/hac

• Select “For Beneficiaries” from the side tab, then select “CHAMPVA.”

• Scroll down to the “CITI ” link. You will find a list of participating facilities and their 

phone numbers at this page.

• Or you can call, e-mail or write us (see pages 11 and 12 for contact information).

When you contact your VAMC, they will be able to tell you which services are available. 

If the services you need are available, and you choose to receive your care through the 

CITI program, the VAMC will ask you to process through the patient administration 

section. There they will review your CHAMPVA eligibility and OHI information. If you 

have Medicare or a health maintenance organization (HMO) or preferred 

provider organization (PPO) plan as your OHI, 

you will not be able to participate in the CITI 

program. Some VAMCs accept patients through 

the CITI program who have other types of health 

insurance, but it is the VAMC’s decision whether or 

not they will accept you into the CITI program. It is 

also the VAMC’s decision whether they can provide 

you the care you need, and this decision may 

change from time to time based on their patient 

workload.

If you are a Veteran and a CHAMPVA beneficiary, you may be entitled to receive care 

through the VA health care system based on your Veteran status rather than as 

CHAMPVA beneficiary. You will need to discuss this with the VA medical facility when 

you contact them about CITI participation.
16 A Handbook for the CHAMPVA Program www.va.gov/hac

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SECTION 3: OBTAINING MEDICAL CARE

NON-VA MEDICAL PROVIDERS

CHAMPVA does not have a network of medical providers. However, most TRICARE 

providers will also accept CHAMPVA patients. Go to the TRICARE Web site, at 

www.tricare.osd.mil/standardprovider, to locate a provider in your area, then 

contact them to ask if they also accept CHAMPVA patients.

Most Medicare providers will also accept CHAMPVA patients. Medicare providers can 

be located through their Web site, at www.medicare.gov. Use the “Search Tools” at 

the bottom of that page to locate a Medicare provider.

Please call, e-mail or write us (contact information on pages 11 and 12) if you are 

having difficulty locating a provider, and we will help you find one.

Providers that accept “assignment” for CHAMPVA patients

When you locate a medical provider, find out if they will accept CHAMPVA. Providers 

most often refer to this as accepting assignment. What that means is the provider will 

bill us directly for covered services, items and supplies. Doctors or providers who agree 

to accept assignment are doing so at the allowable amount and cannot collect 

additional amounts from you beyond your copay.

 Important Note: All hospitals that participate in Medicare, and hospital-based health 

care professionals who are employed by, or contracted to, such 

hospitals are required by law to accept CHAMPVA for inpatient 

hospital services.

Providers that do not accept “assignment” for CHAMPVA patients

If your provider does not accept assignment, you can still see that provider, but be 

aware that you will likely have to pay the entire charge at the time of service. 

Additionally, you may be charged more than the CHAMPVA allowable amount. To 

obtain reimbursement in cases where CHAMPVA is your only insurance, you will have 

to submit the itemized bill from the provider along with a CHAMPVA claim form. When 

the claim is processed, we will send you our share of the allowable amount.

What all of this means to you is that when the medical provider does not accept 

assignment, your cost will include not only your share of our determined allowable 

amount, but also any charges over our allowable amount.

When CHAMPVA Is Secondary Insurance

To obtain reimbursement in cases where CHAMPVA is your secondary insurance, you 

can ask the provider to file the claim and Explanation of Benefits (EOB) from the 

primary insurer electronically with CHAMPVA as the secondary insurer. If the provider 

is not able or willing to do that, you will need to submit the itemized bill, CHAMPVA 

claim form and the EOB from the primary insurer to the Health Administration Center.
www.va.gov/hac A Handbook for the CHAMPVA Program 17

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SECTION 3: OBTAINING MEDICAL CARE

PHARMACY PROVIDERS

Meds by Mail (MbM)

This is by far the most cost effective way for you to receive 

your nonurgent, maintenance medications if you do not have

another health insurance plan with pharmacy coverage 

(including Medicare Part D). There are no copayments, no 

deductible requirements and no claims to file! Your 

maintenance medication is mailed to your home. This program 

is a great benefit, and we highly encourage you to use it.

There are two pharmacy servicing centers, and you are assigned to a servicing center 

based on the area in which you live. Your servicing center will help you with the status 

of your prescription order, questions about drug availability and patient profile updates.

Important facts to keep in mind when using MbM

• To begin using MbM, fill out the MbM Prescription Order Form VA Form 10-0426, 

available by visiting our Web site, at www.va.gov/hac/forms/forms.asp or by 

calling 1-800-733-8387 and selecting the self-service option to request the form be 

mailed to you.

Your Meds by Mail Pharmacy 

Servicing Center is:

If you live in these states,

districts or territories:

Alabama, Connecticut, Delaware, 

District of Columbia, Florida, Georgia, 

Guam, Kentucky, Maine, Maryland, 

Massachusetts, Mississippi, New 

Hampshire, New Jersey, New York, North 

Carolina, Ohio, Pennsylvania, Puerto Rico, 

Rhode Island, South Carolina, Tennessee, 

Vermont, Virginia, Virgin Islands, West 

Virginia

Meds by Mail Servicing Center

Dublin, GA 

Monday–Friday 

8:00 a.m. to 5:30 p.m. (Eastern Time)

1-866-229-7389

E-mail: medsbymaileast@va.gov

Alaska, American Samoa, Arizona, 

Arkansas, California, Colorado, Hawaii, 

Idaho, Illinois, Indiana, Iowa, Kansas, 

Louisiana, Michigan, Minnesota, Missouri, 

Montana, Nebraska, Nevada, New Mexico, 

North Dakota, Oklahoma, Oregon, South 

Dakota, Texas, Utah, Washington, 

Wisconsin, Wyoming

Meds by Mail Servicing Center

Cheyenne, WY 

Monday–Friday 

8:00 a.m. to 5:30 p.m. (Mountain Time)

1-888-385-0235

E-mail: meds.mail@va.gov
18 A Handbook for the CHAMPVA Program www.va.gov/hac

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SECTION 3: OBTAINING MEDICAL CARE

• Tell your physician you are using a mail order prescription service. Request that the 

physician prescribe up to a 90 day supply with up to three (3) refills, if possible. 

Certain medications may have a limit of 30 days for the supply amount. If you need 

to begin taking the medication right away, ask your provider to write two 

prescriptions—a one month supply that you can fill immediately at your local 

pharmacy and a longer-term supply to be filled through MbM.

• Original prescriptions must be sent to the servicing center (copied or faxed 

prescriptions cannot be filled).

• Maintenance medications (those you take for a longer period of time, such as 

blood pressure, heart, arthritis or chronic pain medication) are available 

through MbM.

• Certain controlled medications are also available through this program. For 

example, Tylenol No. 3, Valium, Klonopin and Vicodin are available. These are 

medications in Schedules 3, 4 and 5 for controlled drugs (your physician can tell 

you if the medication prescribed to you is on one of these schedules). Medications 

such as Percocet, Percodan, Ritalin and Oxycontin are NOT available through 

MbM and must be filled at your local pharmacy.

• Most prescriptions are filled with the generic equivalent.

• When the prescription does not have a generic equivalent and the brand-name 

drug prescribed is not on the VA’s formulary, a pharmacist will contact your 

physician to obtain authorization to substitute the VA’s formulary brand for the 

one prescribed by the physician.

• Over-the-counter medications are not covered by CHAMPVA and 

cannot be obtained through MbM. The ONLY exception is for insulin 

and insulin-related supplies.

• You can still use your local pharmacy for urgent care medications or any that are 

not available through MbM.

• If your other health coverage is Medicare, and you have Medicare Parts A and B 

but did not enroll in Medicare Part D, you can use MbM.

• If in the future you obtain other health insurance that includes a pharmacy benefit 

(including Medicare Part D, Drug Plan), you will no longer be eligible to use MbM.

If you need help with general information about MbM eligibility or applications for MbM, 

contact us at:

 Phone: 1-800-733-8387

 E-mail: Please go to this Web URL and follow the directions for submitting 

e-mail: http://www.va.gov/hac/contact

 Web site: www.va.gov/hac (select “For Beneficiaries, Meds by Mail ”)
www.va.gov/hac A Handbook for the CHAMPVA Program 19

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SECTION 3: OBTAINING MEDICAL CARE

SXC RETAIL NETWORK PHARMACY

If you do not have another health insurance plan that includes pharmacy coverage, you 

can use our network of pharmacies. Our network consists of more than 55,000 

pharmacies. The advantage to you is that you need only pay your cost share for the 

medication (after your outpatient deductible has been met), and there are no claims 

for you to file. Typically, the use of a network pharmacy will result in a lower cost 

share to you. To obtain an SXC pharmacy identification card and information on local 

pharmacies in your area that are a part of the SXC network, call the following 

beneficiary number or go to our Web site and follow the instructions listed below.

 Phone: 1-888-546-5502

 Bin#: 610593

 Group#: HAC

 PCN#: VA

 Web site: www.va.gov/hac

• Click on “For Beneficiaries”

• Select the “Pharmacy Benefits” link under the CHAMPVA program.

• A paragraph will appear, entitled “Pharmacies That Accept CHAMPVA.” Go to 

the end of the paragraph and click on the vahac.rxportal.sxc.com URL.

• The SXC Health Solutions page will appear.

• Click on “Preferred Pharmacy Finder” on the left-hand side of the page.

• A page will appear with several boxes requesting information necessary to locate 

a network pharmacy near you.

• Follow the instructions on the page to get a list of participating pharmacies in or 

near your ZIP code.

Nonnetwork Retail Pharmacy

You can choose any pharmacy. The CHAMPVA Identification Card is your proof of 

coverage for a nonnetwork pharmacy. A pharmacy that is not part of the network most 

likely will ask you to pay the full amount of the prescription. In that case, you will need 

to request reimbursement from us by submitting a CHAMPVA Claim Form (VA Form 

10-7959a) and the itemized pharmacy statement. If you have other health insurance, 

you will also need to submit the EOB showing what the other health insurance paid on 

the claim or showing what your copay was for that prescription. Your pharmacist can 

provide you with a printed document that contains all required information that 

CHAMPVA needs to reimburse you for pharmacy claims. The information required is 

the 11-digit National Drug Code (NDC), date the drug was dispensed, name and 

quantity of the drug, the drug’s retail value and the amount of your copay. We cannot 

process the claim without this information.
20 A Handbook for the CHAMPVA Program www.va.gov/hac

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SECTION 4: BENEFIT INFORMATION

CHAMPVA will cover only care that is medically necessary and appropriate. The fact 

that your physician tells you that you need certain care does not mean that the care is 

covered under CHAMPVA. There may be limits on certain care, and some care is not 

covered at all.

Any type of care that goes on for a long time (over a period of weeks, months, etc.), 

including physical therapy, medication, mental health services and skilled nursing 

services, may be medically reviewed periodically, and medical documents will be 

requested during the course of treatment. We’ll notify you when additional 

documentation or a treatment plan is needed from your medical provider.

The same limitations apply whether you reside in the U.S. or in another country. For 

example, if you reside or travel overseas, we will only cover medications that are 

FDA approved for use in the U.S.

AUTHORIZATION FOR CARE

You do not need advance approval for care from us, unless the care relates to one of 

the medical services listed below.

Although we do not require authorization for most medical care, your physician may 

seek to obtain authorization for services. In that case, ask the physician to call us 

regarding the service requested, and we will provide information about what will be 

needed to determine if a specific service is covered. You may also want to consider 

showing your provider this section of the handbook, as it describes the criteria for 

coverage of many services.

Services that require authorization:

• DME with a purchase price or total rental price of $2,000 or more (see page 27)

• Hospice Care

• Mental health care (approval needed from our mental health contractor)

- Inpatient mental health care

- Care at residential treatment facilities

- Alcohol/substance abuse

- Care in Partial Hospital Programs (PHP)

- Requests for extensions to our yearly limits on inpatient mental health 

 care (see page 30)

- Outpatient mental health visits in excess of 23 per year

• Dental care coverage (Dental coverage is very limited and under most 

circumstances is not covered.)

• Organ transplants

Words that are in bold green print are defined on pages 60–64.
www.va.gov/hac A Handbook for the CHAMPVA Program 21

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SECTION 4: BENEFIT INFORMATION

Exceptions to the authorization requirement:

• Mental health services and durable medical equipment provided through the 

VA CITI program do not require authorization.

• When Medicare, as the primary payer, authorizes a service, we do not require 

authorization for those same services. If Medicare denies coverage because 

their rules for coverage were not followed or medical necessity was not 

established, we will also deny coverage.

To obtain authorization for mental health and substance abuse services: 

 Mail: Magellan Behavioral Health

CHAMPVA

PO Box 3567

Englewood CO 80155

 Phone: 1-800-424-4018 (domestic)

1-720-529-7400 (international)

To obtain authorization for other services:

 Mail: VA Health Administration Center

CHAMPVA

ATTN: Preauthorization

PO Box 469063

Denver CO 80246-9063

 Phone: 1-800-733-8387
22 A Handbook for the CHAMPVA Program www.va.gov/hac

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SECTION 4: BENEFIT INFORMATION

COVERED BENEFITS (NOT ALL INCLUSIVE)

The following is an alphabetical list of the services we cover that will help you stay 

healthy and identify health problems early. In all cases, your physician will determine 

when it is medically necessary and appropriate for the medical service.

Preventive services

Bone mass measurements These measurements help determine if you are at risk 

for developing osteoporosis.

Cancer screening Including colorectal, oral cavity, prostate, skin, 

testicular, breast and thyroid.

Cardiovascular screenings Ask your doctor to test your cholesterol, lipid and 

triglyceride levels so he/she can help you prevent a 

heart attack or stroke.

Cholesterol screening As recommended by your physician, based on your 

age, health and risk factors.

Colonoscopy Once every 10 years after age 50, or more frequently if 

your physician determines you have an increased risk 

of colon cancer.

Diabetes screening We cover this screening when you have these 

risk factors:

• high blood pressure, dyslipidemia (history of

abnormal cholesterol and triglyceride levels), 

obesity or a history of high blood sugar.

 Or if you have two or more of the following 

characteristics:

• age 65 or older; overweight; immediate family history 

of diabetes (parents, brothers, sisters); a history of 

gestational diabetes (diabetes during pregnancy) or 

delivery of a baby weighing more than nine pounds. 

Based on the results of these tests, you may be 

eligible for up to two diabetes screenings every year. 

For more information, talk to your doctor.

Genetic testing When there is a family history of breast cancer, certain 

high risk pregnancies or sickle cell anemia.

HIV testing When there has been HIV exposure or symptoms of 

possible infection, or if there is a pregnancy.
www.va.gov/hac A Handbook for the CHAMPVA Program 23

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SECTION 4: BENEFIT INFORMATION

 Covered Service Conditions of Coverage

Immunizations & vaccines Your physician will advise you when it is appropriate 

for you or your child to have routine immunizations, 

based on the Centers for Disease Control (CDC) 

recommendations and other specific factors. We also 

cover postexposure rabies vaccines and Rh immune 

globulin, following the birth of an Rh-positive child to 

an Rh-negative woman.

Mammograms These tests check for breast cancer before you or your 

doctor are otherwise aware of a problem.

Age 35–40:

• One baseline mammogram or

• Annually, if your doctor determines you are at high risk

Age 40+:

 • Annually

Pap test and pelvic exam These exams check for cervical and vaginal cancers. 

We cover pap screenings for patients age 18 and 

older or those younger than 18 when recommended 

by a clinician.

School-required physical School-required physical exams for beneficiaries through 

exams age 17 provided on or after October 1, 2001.

Well-child care Up to the age of six, to include physical exams, 

developmental and behavioral appraisal, sensory 

screening (vision/hearing), heredity and metabolic 

screenings, health guidance and counseling and 

lab screening.

The following is an alphabetical list of services that are covered, when medically 

necessary, like the preventive services listed previously. This list is NOT all inclusive. 

For additional information, please refer to the CHAMPVA Policy Manual, Chapter 2, 

available on our Web site, at www.va.gov/hac For limitations, please refer to the 

conditions of coverage that follow and to the noncovered services identified on pages 

37 through 39.

OTHER COVERED SERVICES

ADD, or ADHD Attention deficit hyperactivity disorder (ADHD) is

considered a mental health condition. Refer to 

“Mental health outpatient care” for benefit 

coverage.

Alcohol abuse (treatment for) Preauthorization is required. Refer to “Substance

 abuse” for specific benefit coverage.
24 A Handbook for the CHAMPVA Program www.va.gov/hac

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SECTION 4: BENEFIT INFORMATION

Allergy testing and treatment Allergy testing and treatment are covered based 

on medical necessity. All claims for allergy testing 

must indicate the type and number of tests 

performed. We cover RAST (radioallergosorbent 

test), FAST (fluoro-allergosorbent test) and IPA 

(immunoperoxidase assay) for inhalant or food 

allergies and PRIST (paper radioimmunosorbent 

test), RIST (radioimmunosorbent test) and 

bronchial challenge testing.

Ambulance service Life-sustaining equipment is necessary for a 

medically covered condition or other means of 

transportation are contraindicated. Ambulance 

service, other than land vehicles (such as boat or 

airplane), may be considered only when the pickup 

point is inaccessible by a land vehicle or when great 

distances or other obstacles are involved. Justification 

for the use of a service other than a land vehicle will 

be required before payment can be made.

Ambulatory surgery Performed on an outpatient, walk-in or same-day 

basis in an appropriately equipped and staffed 

facility. Surgery is usually conducted under 

general anesthesia with no overnight stay 

required. Our coverage of ambulatory surgical 

procedures is dependent on where the surgery 

takes place. Coverage should be verified prior to 

surgery. Most ambulatory surgical procedures 

performed in a hospital are covered when 

medically necessary. Certain procedures are 

also covered when performed in a Medicareapproved, free-standing ambulatory surgical center.

Ankyloglossia (total or complete Surgery for tongue tie is covered in cases where

tongue tie—surgery for) total or complete ankyloglossia is documented.

Autologous blood collection This is collection of the patient’s own blood. 

(blood transfusion) Transfusion services are covered when there is a 

 scheduled surgical procedure.

 Covered Service Conditions of Coverage
www.va.gov/hac A Handbook for the CHAMPVA Program 25

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SECTION 4: BENEFIT INFORMATION

Barrier-free lift Claim should be accompanied by a Certificate of 

Medical Necessity (CMN) or a doctor’s order 

with diagnosis. Documentation should show a 

history of an inability to get out of bed and that 

there is no caregiver to get the patient in or out of 

bed. We will need the specifications for the lift. 

Home modifications are not covered.

Biofeedback Certain types of therapy (electrothermal, electromyography and electrodermal) are covered when 

there is medical documentation that there has 

been no response to other conventional forms 

of therapy.

Birth control Family planning benefits are provided for 

intrauterine devices (IUDs), diaphragms, birth 

control pills, Norplant system long-term reversible 

contraceptive implants and sterilization 

(vasectomy or tubal ligation).

Blepharoplasty Surgery to improve the abnormal function of the 

eyelid is covered when a significant impairment 

of vision is medically documented. Medical 

documentation should include two visual field 

studies (one with and one without lid elevation) 

and photographs.

Bone growth stimulator Claim should be accompanied by a CMN, or for 

electrical stimulation of bone, doctor’s order with 

diagnosis or documentation of a history of fracture 

with nonhealing for three months or more.

Breast reconstruction Covered, following a medically necessary

mastectomy.

Breast reduction This is covered when there are signs and

(reduction mammoplasty) symptoms of macromastia or intractable pain not 

amenable to other forms of treatment. Symptoms 

must be present for at least one year. Claims must 

include documentation of a medical history of 

persistent symptoms, such as back pain, neck and 

shoulder pain, poor posture, ulnar paresthesia, 

shoulder grooving, rash and restriction of 

physical activities.

 Covered Service Conditions of Coverage
26 A Handbook for the CHAMPVA Program www.va.gov/hac

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SECTION 4: BENEFIT INFORMATION

Cardiac rehabilitation programs Limited to 36 sessions and normally completed 

within 12 months following a qualifying cardiac 

event.

Cleft palate (correction of) Claim must include a medical statement from the 

physician that includes the following information: 

brief medical history, condition, symptoms, length 

of time symptoms have been present, other forms 

of treatment attempted, an operative report and 

photographs, if available.

CT scans Computerized tomography when medically 

necessary.

Dental (adjunctive) Dental care can be considered for coverage only 

when it is adjunctive. That means the dental 

treatment MUST be completed as part of the 

appropriate treatment of some other (nondental) 

covered medical condition. For example, an oral 

surgeon has to remove broken teeth to repair an 

injured jaw. Dental care requires preauthorization.

Dermatological procedures For the treatment of covered conditions such as 

acne and for hypertrophic scarring and keloids 

resulting from burns, surgical procedures or 

traumatic events.

Diabetes self-management Prescribed by a physician for education about 

training program (outpatient) self-monitoring of blood glucose, diet and exercise 

(limitations apply, and medical documentation 

from the provider must accompany the billing).

Drug abuse (treatment for) Preauthorization is required. Refer to “Substance 

abuse” for specific benefit coverage.

Drugs and medications Drugs and medications must be approved by 

the Department of Health and Human 

Services’ Food and Drug Administration

(FDA) for 

the treatment of the conditions for which they 

are administered, prescribed by an authorized 

provider and dispensed in accordance with state 

law and licensing requirements.

 Covered Service Conditions of Coverage
www.va.gov/hac A Handbook for the CHAMPVA Program 27

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SECTION 4: BENEFIT INFORMATION

Durable medical equipment (DME) DME is equipment that can withstand repeated 

use, is primarily used to serve a medical purpose, 

is generally not useful in the absence of an illness 

or injury and is appropriate for use in the home.

DME includes such items as a wheelchair or a 

hospital bed. The DME must be ordered by a 

physician and be preauthorized by CHAMPVA 

if the total cost (for rental or purchase) exceeds 

$2,000.

Requests for preauthorization must include the CMN

or doctor’s DME order. This information can be 

submitted in the form of a letter or by using a 

Medicare CMN form. In either case, the following 

information must be included: the name, address 

and tax identification number of the provider; the 

required equipment (the make and model number, 

cost and specifications for any customization); 

diagnosis; determination of medical necessity; and 

the anticipated duration that the item will be needed.

 Coverage may be authorized for customization, 

accessories or supplies that are essential to 

provide a therapeutic benefit and to ensure proper 

functioning of the equipment; duplicate DME, 

when it is essential to provide a fail-safe, in-home 

life support system; maintenance by a 

manufacturer’s authorized technician; repair 

and adjustment; replacement needed as a result 

of normal wear or a change in the medical 

condition; temporary rental when the purchased 

DME is being repaired and/or a vehicle wheelchair 

lift (detachable).

Eating disorders Covered when preauthorized by the CHAMPVA 

mental health contractor.

Eyeglasses, contact lenses When required after intraocular surgery, ocular

(limited coverage as noted) injury or congenital absence of a human lens. 

 Covered Service Conditions of Coverage
28 A Handbook for the CHAMPVA Program www.va.gov/hac

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SECTION 4: BENEFIT INFORMATION

Family planning and maternity We cover most treatment related to prenatal, 

delivery and postnatal care, including 

complications associated with pregnancy, such as 

miscarriage, premature labor and hemorrhage. 

Services provided to the mother and those 

provided to the child must be billed separately.

Fetal fibronectin enzyme Services provided to the mother and those

immunoassay (to determine provided to the child must be billed separately.

risk of preterm delivery)

Foot care services Covered when they are a medically necessary

(very limited coverage) treatment for a specific diagnosis like diabetes.

Genetic testing during pregnancy We cover this for any of the following:

• women 35 or older

• one parent has had a previous child with a 

congenital abnormality

• one parent has a history (personal or familial) 

of congenital abnormality

• mother contracted rubella during first trimester

• history of cystic fibrosis or recessive genetic 

disorder

Gingival hyperplasia When caused by prolonged medication therapy for 

conditions such as epilepsy or seizure disorders

Home health care Home health care is intermittent skilled care in a 

home setting for a homebound patient. It includes 

skilled nursing and rehabilitative care, as part of 

a physician’s treatment plan, and is provided by a 

licensed or registered caregiver.

Hospice CHAMPVA covers hospice care for terminally ill 

patients who have a life expectancy of six months 

or less. The CHAMPVA benefit closely resembles 

Medicare’s hospice benefit. The program is 

designed to provide care and comfort to our 

beneficiaries and emphasizes supportive 

services such as pain control, home care and 

patient comfort. Your hospice caregiver will be 

asked to provide the following information for 

authorization: hospice tax identification number; 

Medicare hospice provider number; address of

 Covered Service Conditions of Coverage
www.va.gov/hac A Handbook for the CHAMPVA Program 29

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SECTION 4: BENEFIT INFORMATION

Hospice (cont.) hospice; county in which hospice is located; remitto address (where the payment is to be mailed); 

name of attending physician; name of hospice 

physician; diagnosis; whether request is for 

inpatient, home care or respite care; physician 

certification of terminal illness; patient’s election 

of hospice (signed by patient or patient’s 

representative based on a health care power of 

attorney); Medicare hospice per diem (daily) 

reimbursement rate; itemized list of medications 

or any other services not included under the 

hospice per diem allowance.

Implants (surgical) Must be approved by the FDA. There are 

limitations, so check with us before having the 

surgery. For example, breast implants are covered 

for reconstructive surgery following removal of the 

breast, but not for breast augmentation.

Infertility testing and treatment Services include diagnostic testing, surgical 

intervention, hormone therapy and other covered 

procedures to correct the cause of infertility.

Insulin and diabetic Covered even though a prescription may not

related supplies be required by state law. Insulin pumps are 

covered when the claim is accompanied by 

a CMN or doctor’s order with diagnosis of 

diabetes mellitus.

Kidney (renal) dialysis Limited to periods of Medicare ineligibility 

(Medicare coverage of individuals with end stage 

renal disease [ESRD] begins 90 days from the 

date maintenance dialysis treatment begins, at 

which time we become a secondary payer).

Laser surgery Covered when the surgical procedure is 

medically necessary, considered acceptable 

medical practice for the condition, the laser is FDA 

approved and the laser is merely used as a 

substitute for the scalpel.

 Covered Service Conditions of Coverage
30 A Handbook for the CHAMPVA Program www.va.gov/hac

4

SECTION 4: BENEFIT INFORMATION

Loss of jaw substance Covered when due to direct trauma or treatment 

of neoplasm. Requires documentation that 

provides the diagnosis, history of the trauma or 

treatment of a neoplasm and the patient’s age. 

Include a detailed description of the prosthetic 

treatment plan when applicable.

Magnetic resonance angiographyClaims for both an MRI and computerized

(MRA), magnetic resonance tomography (CT) scan of the same body

imaging (MRI) and magnetic area for the same episode of care will require

resonance spectroscopy (MRS) documentation of need and will be reviewed for 

medical appropriateness.

Mastectomy bras and prostheses Up to seven bras every 12 months; replacement 

of breast prostheses every 24 months.

Mental health inpatient care Acute care to include room, board and other 

hospital services. Authorization is required from 

the mental health contractor.

 Benefit: 30 days for beneficiaries ages 19 and 

older, per year, or during a single episode of care; 

45 days for beneficiaries ages 18 or younger; one 

psychotherapy session per day not to exceed 

seven sessions per week (more than seven 

sessions per week requires authorization from the 

mental health contractor). The CHAMPVA mental 

health contractor may consider a waiver of the 

30/45 day limit.

Mental health outpatient care Benefit: 23 outpatient psychotherapy sessions per 

year when medically necessary, not to exceed two 

psychotherapy sessions per week in any 

combination of individual, family, collateral or 

group therapy. More than 23 visits per year or 

more than two visits per week can be allowed 

when authorized by the CHAMPVA mental health 

contractor. Individual psychotherapy (limited to 60 

minutes, unless for crisis intervention) and 

individual psychotherapy sessions in excess of 50 

minutes that have been authorized by the

CHAMPVA mental health contractor are covered. 

Multiple sessions on the same day for crisis

 Covered Service Conditions of Coverage
www.va.gov/hac A Handbook for the CHAMPVA Program 31

4

SECTION 4: BENEFIT INFORMATION

Mental health outpatient care intervention and which are authorized by the 

(cont.) CHAMPVA Mental Health contractor are covered.

Mercury hypersensitivity The removal of dental amalgam mercury source 

is covered under the following conditions:

• Independent diagnosis by a physician allergist 

based on generally accepted test(s) for mercury 

hypersensitivity.

• Documentation that reasonably rules out sources 

of mercury exposure other than the dental 

amalgam.

Morbid obesity Surgical correction of morbid obesity may be 

covered when one of the following conditions 

is met:

• Patient’s body mass index (BMI) is over 40, or

• Patient’s BMI is over 35 with serious medical 

conditions exacerbated or caused by obesity or

• Second surgery (takedown) due to complications 

of previous surgical correction. 

Surgical procedures are limited to gastric bypass, 

gastroplasty (including vertical banding 

gastroplasty), Roux-en-Y gastrojejunostomy, 

adjustable silicone gastric banding (LAP-BAND) 

and medically necessary revisions. Claims must 

be accompanied by the BMI, current height, 

weight, history of other medical conditions and 

history of other treatments tried and failed.

Myofascial pain dysfunction Treatment of this syndrome may be considered

syndrome a medical necessity only when it involves 

immediate relief of pain. Treatment beyond four 

visits or any repeat episodes of care within a six 

month period must be documented by the provider 

of services and medically reviewed by CHAMPVA.

Newborn care The newborn’s care is paid for as part of the 

mother’s maternity care for the first three days 

following delivery. After three days, the newborn’s 

care is subject to separate cost sharing.

Occupational therapy Covered when training and assessment do not 

relate primarily to employment.

 Covered Service Conditions of Coverage
32 A Handbook for the CHAMPVA Program www.va.gov/hac

4

SECTION 4: BENEFIT INFORMATION

Orthopedic braces and For the neck, arm, back and leg to assist you

other appliances in movement or to provide support to a limb.

Orthotic shoes for diabetics One pair of custom molded shoes (including 

inserts) per calendar year.

One pair of extra-depth shoes (not including 

inserts provided with such shoes) per 

calendar year.

Three pairs of multi-density inserts per 

calendar year.

Oxygen and related equipment Requires a CMN that includes the oxygen flow

(to include oxygen concentrators) rate with frequency and duration of use, estimated 

length of time oxygen will be required and the 

method of delivery. A Medicare CMN can be used, 

or the physician can provide this information on 

his/her letterhead. If the initial certificate of 

medical necessity shows an indefinite or lifetime 

need, a new prescription is not required with each 

billing, as long as the diagnosis supports a 

continued need.

Panniculectomy Claims should be accompanied by a medical 

history that documents the complications 

experienced as a result of the enlarged pannus 

such as skin rashes/infection, conservative 

treatments that were tried and failed and/or 

low back pain.

Penile implant/testicular For organic impotence, correction of a congenital

prosthesis anomaly or correction of ambiguous genitalia.

Physical therapy Physical therapy services must be prescribed by 

a physician. Professionally administered 

physical therapy to help the patient attain greater 

self-sufficiency, mobility and productivity is 

covered when the exercises and other modalities 

improve muscle strength, joint motion, 

coordination and endurance. 

Plastic surgery This benefit is very limited. It can be covered to 

correct a serious birth defect, such as a cleft lip/ 

palate, to restore body form or function after an 

accidental injury, to improve appearance after

 Covered Service Conditions of Coverage
www.va.gov/hac A Handbook for the CHAMPVA Program 33

4

SECTION 4: BENEFIT INFORMATION

Plastic surgery (cont.) severe disfiguration or extensive scarring from 

cancer surgery or breast reconstructive surgery 

following a mastectomy that is covered by 

CHAMPVA.

Positron emission A covered benefit when used to identify complex

tomography (PET) partial seizure disorders, evaluate ischemic heart 

disease or identify unknown primary tumors. The 

PET scan is considered experimental or 

investigational for the diagnosis of a number of 

other conditions. For additional information, 

access the CHAMPVA Policy Manual, Chapter 2 

Benefits, Section 26.9, available at our Web site 

www.va.gov/hac/forbeneficiaries/champva/

policymanual

Prosthetic devices Artificial limbs, eyes, voice and other prostheses, 

as well as FDA-approved surgical implants are 

covered.

Psychiatric partial Benefit: 60 days per year. To qualify as a PHP, 

hospitalization program (PHP) the program must last at least three hours per day 

and be available five days per week (day, evening 

or weekend program).

The facility must be a TRICARE approved 

provider or a Medicare certified facility.

Preauthorization is required from the CHAMPVA 

mental health contractor except when Medicare 

is the primary payer. In that case, when Medicare 

has authorized the care, the service does not 

require preauthorization through our mental 

health contractor.

Pulmonary rehabilitation Limited to pre- and postoperative lung or heart

programs lung transplants and cardiopulmonary disease.

Radiation therapy Brachytherapy, fast neutron, hyperfractionated 

and radioactive chromic phosphate synviortheses 

are covered.

Residential treatment Benefit: 150 days per year. Authorization is 

center (RTC) required by the CHAMPVA mental health 

contractor at least three days before admission.

 Covered Service Conditions of Coverage
34 A Handbook for the CHAMPVA Program www.va.gov/hac

4

SECTION 4: BENEFIT INFORMATION

Residential treatment Care must be provided in a TRICARE authorized

center (cont.) facility.

Care in an RTC is for adolescents ages 18 or 

younger (or under the age of 21 if a full-time 

student). Care may be authorized when a 

psychiatrist recommends admission for a 

diagnosable psychiatric disorder and a 

psychiatrist or clinical psychologist directs the 

treatment plan. Note: the treatment plan must 

include a provision for family therapy.

Geographically distant family therapy (GDFT) 

is also covered when authorized by the 

mental health contractor.

Single photon emission A covered benefit when used to evaluate

computed tomography (SPECT) myocardial perfusion, evaluate seizure disorders 

or monitor metastatic prostate cancer after 

surgery. The SPECT scan is considered 

experimental or investigational for the diagnosis 

of a number of other conditions. For additional 

information, access the CHAMPVA Policy Manual, 

Chapter 2 Benefits, Section 26.11, available at 

our Web site www.va.gov/hac/forbeneficiaries/

policymanual

Skilled nursing care Skilled care may be provided by a variety of 

licensed professional caregivers, including a 

registered nurse (RN), licensed practical/

vocational nurse (LPN/LVN), physical therapist, 

occupational therapist, respiratory therapist or 

social worker. The skilled care can be provided in 

different settings, such as the patient’s home, or a 

rehabilitation facility, depending on the amount 

and frequency of care needed and the severity of 

the illness.

Skilled nursing facility (SNF) care An SNF provides skilled nursing or rehabilitative 

care to patients who require 24 hour care under 

the supervision of a registered nurse or physician. 

A service is considered skilled care when it 

cannot be performed by a nonmedical person.

 Covered Service Conditions of Coverage
www.va.gov/hac A Handbook for the CHAMPVA Program 35

4

SECTION 4: BENEFIT INFORMATION

Skilled nursing facility (SNF) care Skilled care can be provided either in a hospital 

(cont.) or in a separate facility.

Skilled nursing care does not require 

preauthorization, but all claims for such services 

are subject to medical review.

Claims should be accompanied by medical 

documentation that justifies this level of care.

Speech therapy For physical impairments including:

• brain injury (e.g., traumatic brain injury, 

stroke/cerebrovascular accident, etc.)

• congenital anomalies (e.g., cleft lip and 

cleft palate)

• neuromuscular disorders, such as cerebral palsy

• congenital sensory disorders

The Individuals with Disabilities Education Act 

(IDEA) requires schools to provide speech therapy 

services for children up to age 21. If services are 

not available through the state, documentation 

from the state is required.

Substance abuse (treatment of) A beneficiary is allowed up to three substanceuse disorder treatment benefit periods in a 

lifetime. A benefit period begins on the first day 

of covered treatment and ends 365 days later, 

regardless of the number of services that were 

actually used during that year.

• Outpatient rehabilitation

Sixty group therapy sessions are allowed for 

outpatient rehabilitation, when medically 

necessary, per benefit period (individual therapy 

for substance-use disorder rehabilitation is not 

covered). Fifteen outpatient sessions per benefit 

period are allowed for family therapy. 

Authorization is required for any additional group 

or family therapy sessions provided during a 

benefit year.

• Detoxification

Detoxification is an inpatient service, for which 

authorization by the CHAMPVA mental health 

contractor is required. The service is limited to

 Covered Service Conditions of Coverage
36 A Handbook for the CHAMPVA Program www.va.gov/hac

4

SECTION 4: BENEFIT INFORMATION

Substance abuse (treatment of) seven days per admission, which count toward the 

(cont.) 30/45-day inpatient mental health limit. 

Detoxification will be approved only if it is 

performed under general medical supervision.

• Inpatient and partial hospitalization 

rehabilitation

Authorization is required.

 Limited to no more than one inpatient stay 

during a single benefit period of 21 days.

 Limited to three benefit periods or rehabilitation 

stays per lifetime.

 The facility must be a TRICARE approved 

provider or a Medicare certified facility.

Surgical sterilization Tubal ligation and vasectomy are both covered.

Temporomandibular joint (TMJ) Initial radiographs, up to four office visits, physical 

therapy for acute phase treatment only and 

construction of occlusal splint are covered.

TENS, neurostimulator Claim should be accompanied by a CMN or 

doctor’s order containing the diagnosis.

Transplants A summary from the transplant team indicating

the medical necessity for the procedure must

be provided. The following transplants are covered 

(as well as donor costs):

 Allogeneic bone marrow transplantation

Autologous bone marrow transplantation

Corneal transplantation

Heart transplantation

Heart-kidney transplantation

Heart-lung transplantation

Kidney transplantation

Liver transplantation

Liver-kidney transplantation

Lung transplantation

Multivisceral transplantation

Pancreas transplantation

Pancreas after kidney transplantation

Pancreas-kidney simultaneous transplantation

Peripheral stem cell transplantation

Small intestine transplantation

 Covered Service Conditions of Coverage
www.va.gov/hac A Handbook for the CHAMPVA Program 37

4

SECTION 4: BENEFIT INFORMATION

Transplants (cont.) Small intestine-liver transplantation

Umbilical cord blood stem transplantation

Ultrasound Ultrasounds for diagnosis, guidance and 

postoperative evaluation of surgical procedures 

may be cost shared. Maternity related ultrasound 

is limited to the diagnosis and management of a 

high-risk pregnancy or when there is a reasonable 

probability of neonatal complications.

Wheelchair or scooter Claim should be accompanied by a CMN or 

(motorized) doctor’s order containing the diagnosis. Seating 

evaluation must be performed with proof that 

vehicle can be used inside the home.

Wig or hairpiece When needed after treatment for cancer (one 

per lifetime).

Wound vac Claim should be accompanied by a CMN or 

doctor’s order. Provide the wound measurements 

(length/width/depth) and the starting date and 

length of time the vac will be required.

NONCOVERED SERVICES (NOT ALL INCLUSIVE)

Following is an alphabetical listing of services that are not covered. For additional 

information, review the CHAMPVA Policy Manual, Chapter 2, available at our Web site 

www.champva.gov Claims submitted for these services will be denied.

Abortion counseling

Abortions, except when a physician certifies that the life of the mother would be 

 endangered if the fetus were carried to term

Acupuncture

Artificial insemination

Biofeedback treatment of ordinary muscle tension, psychosomatic conditions, 

 hypertension or migraine headaches

Chiropractic services

Chronic fatigue syndrome

Cosmetic drugs (e.g., Retin A, Botox) or cosmetic surgery

Custodial care (such as bathing, feeding), assisted living care, retirement or rest 

 homes, halfway houses and domiciles (house or permanent residence)

Dental care

Dentures or partial dentures (adding or modifying)

 Covered Service Conditions of Coverage
38 A Handbook for the CHAMPVA Program www.va.gov/hac

4

SECTION 4: BENEFIT INFORMATION

Diagnostic tests to determine the sex or paternity of a child

Drug maintenance programs where one addictive drug is substituted for another

 (such as methadone for heroin)

Drugs that are not FDA approved

Durable medical equipment denied by Medicare as not medically necessary

Embryo transfer

Exercise equipment

Exercise programs (general)

Experimental/investigational services and supplies

Eye examinations (routine)

Eyeglasses, contact lenses or other optical devices, except as noted under Covered Benefits

Foot care services of a routine nature, such as removal of corns and calluses

Group C drugs for terminally ill cancer patients (these medications are available free 

 from the National Cancer Institute through its registered physicians)

Health club membership

Hearing aids

Hearing examinations, unless in connection with a covered illness/injury

Hot tubs

Housekeeping, homemaker and attendant services

Hypnosis

Immunizations for travel

In vitro fertilization

Laser eye surgery

Learning disorders, such as reading disorders or dyslexia, mathematics disorders,

 disorders of written expression/and or learning disorders not otherwise specified

Luxury or deluxe equipment

Maintenance agreements/contracts

Marriage counseling

Modifications to home or vehicle

Naturopathic services

Orthodontia care (braces)

Orthotic shoe devices, such as heel lifts, arch supports, shoe inserts, etc., unless

 associated with diabetes

 Noncovered Services (Not All Inclusive)
www.va.gov/hac A Handbook for the CHAMPVA Program 39

4

SECTION 4: BENEFIT INFORMATION

Over-the-counter medications that do not require a prescription (except for insulin

 and diabetic-related supplies, which are covered even when a physician’s

 prescription is not required under state law)

Postpartum inpatient stay of a mother for purposes of staying with the newborn

 (when the newborn requires continued treatment, but the mother does not)

Postpartum inpatient stay of a newborn for purposes of staying with the mother

 (when the mother requires continued treatment, but the newborn does not)

Private hospital rooms

Services by providers who have been suspended or sanctioned by any federal

 agency. To obtain a listing or search for an excluded provider, use the Medicare

 exclusions link at the Health Administration Center Web site, at www.va.gov/hac or

 access this information directly from the Department of Health and Human Services 

 Office of Inspector General Web site at http://org.hhs.gov/fraud/exclusions.html

 Services provided by a member of your immediate family or person living in 

 your household

Sex changes, therapy or sexual behavior modification

Smoking cessation medication and products

Spas

Stress management

Tattoo removal

Transportation services that do not require life sustaining equipment

Vehicle lifts that are nondetachable and cannot be removed from one vehicle 

 and used on another

Vitamins, except for formulations of folic acid, niacin and vitamins D, K and

 B12 (injection)

Weight control medication or weight reduction programs

Whirlpools

Workers’ Compensation injuries

 Noncovered Services (Not All Inclusive)
40 A Handbook for the CHAMPVA Program www.va.gov/hac

5

SECTION 5: YOUR COSTS

There are two parts to your costs: the annual deductible and a cost share (copayment).

If your provider does not accept assignment, you 

are responsible for paying your annual deductible, your 

cost share (both described below) and any provider-billed 

amount that exceeds our total allowable amount.

For care that is not covered by CHAMPVA, you pay 

the full bill.

By accepting assignment, your provider agrees to accept our 

allowable amount as payment in full. A provider cannot 

balance bill you, which is to say they cannot bill you for the 

difference between their normally billable amount and the 

CHAMPVA allowable amount.

ANNUAL DEDUCTIBLE

The annual (calendar year) outpatient deductible is the amount that you must pay 

before we pay for a covered outpatient medical service or supply. The deductible is 

$50 per beneficiary or a maximum of $100 per family per year. The annual deductible 

must be paid prior to our paying 75% of the allowable amount. As claims are 

processed for covered services, charges are automatically credited to individual and 

cumulative family deductible requirements for each calendar year. DO NOT send 

checks to CHAMPVA to satisfy your deductible requirement.

There is no deductible for inpatient services, ambulatory surgery facility services, 

partial psychiatric day programs, hospice services or services provided by VA 

medical facilities (CITI, MbM).

COST SHARE

A cost share (copayment) is the portion of the CHAMPVA allowable amount that you 

are required to pay. With few exceptions, you will pay something toward the cost 

of your medical care. For covered outpatient services, we pay up to 75% of the 

CHAMPVA allowable amount after the deductible has been met. For your inpatient 

service cost share, please refer to the chart in this section entitled Cost Summary, 

starting on page 42.

There is no cost share for hospice or for services received through VA medical 

facilities. This includes services received at VA facilities under the CITI program or 

medications obtained through the MbM program.

CATASTROPHIC CAP

To provide financial protection against the impact of a long-term illness or serious 

injury, we have established an annual catastrophic cap of $3,000 per calendar year. 

This is the maximum out-of-pocket expense you and your family can incur for 

Remember: words that are in bold green print are defined on pages 60–64.
www.va.gov/hac A Handbook for the CHAMPVA Program 41

5

SECTION 5: YOUR COSTS

CHAMPVA covered services and supplies in a calendar year. Credits to the 

catastrophic cap are applied starting January 1st of each year and run through 

December 31st. If you reach the $3,000 limit, you or your family’s cost share for 

covered services is waived for the remainder of the calendar year, and we pay 

100% of the CHAMPVA allowable amount.

Each time we pay a bill, your deductible and cost share are calculated and credited 

to your catastrophic cap. The cumulative amount credited to your catastrophic cap 

is shown on the EOB you receive after services are paid for. If you find an error, let us 

know promptly.

CHAMPVA ALLOWABLE AMOUNT

The allowable amount is the most we will pay for a covered medical service 

or supply. We determine the allowable amount before we calculate your cost 

share, the deductible or the other health insurance (OHI) payment. The 

CHAMPVA allowable amount is generally the same as TRICARE’s or Medicare’s 

allowable amount.

COVERAGE OUTSIDE THE UNITED STATES

If you live or travel overseas (excluding the countries of 

Iraq, North Korea and Cuba), we provide the same 

benefits we would if you were in the U.S. 

Reimbursement for health care claims in foreign 

countries is based on reasonable and customary billed 

amounts. Your deductible and cost share will be the 

same as if you were in the U.S. Claims written in 

English (billing and medical documentation) will be 

processed faster because we will not need to arrange 

for translation.

If the billing and medical documentation is written in a 

foreign language, translation will be arranged at no cost 

to you. Our payments are made in U.S. dollars.
42 A Handbook for the CHAMPVA Program www.va.gov/hac

5

SECTION 5: YOUR COSTS

Emergency 

Room 

Charges

DEPENDS—whether

the emergency care 

becomes part of 

inpatient charges 

or remains as an 

outpatient charge

The charges will be included 

in the inpatient charge if once 

you stabilize you are admitted 

to the hospital. Your payment 

will then be based on 

“inpatient services.” If you are 

not admitted, your payment is 

based on “outpatient services.”

Inpatient Mental Health: 

Low Volume NO

Lesser of: 1) per-day amount 

times the number of inpatient 

days; or 2) 25% of billed amount

Inpatient Mental Health: 

High Volume and 

Residential Treatment 

Centers

NO 25% of CHAMPVA 

allowable amount

Professional Services YES 25% of CHAMPVA allowable 

amount after deductible

Pharmacy Services 

(retail) YES 25% of CHAMPVA allowable amount after deductible

Outpatient Services 

(e.g., doctor visits, lab/

radiology, home health, 

mental health services, 

skilled nursing visits, 

ambulance)

YES 25% of CHAMPVA allowable 

amount after deductible

Inpatient Services: 

Non-DRG Based NO 25% of CHAMPVA

allowable amount

Durable Medical 

Equipment (DME) YES 25% of CHAMPVA

allowable amount

COST SUMMARY—WHEN YOU HAVE NO

 OTHER HEALTH INSURANCE (OHI)

BENEFITS DEDUCTIBLE? YOU PAY

Ambulatory Surgery NO 25% of CHAMPVA

allowable amount

Inpatient Services: 

Diagnosis Related 

Groups (DRG) Based

NO

Lesser of: 1) per-day amount 

times the number of inpatient 

days; 2) 25% of billed amount; 

or 3) DRG rate
www.va.gov/hac A Handbook for the CHAMPVA Program 43

5

SECTION 5: YOUR COSTS

YOU PAY

Ambulatory Surgery NO $0

COST SUMMARY—WHEN CARE IS PROVIDED BY A VA SOURCE: CITI PROGRAM—VAMC

 OR MEDS BY MAIL

Pharmacy Services 

(Meds by Mail or CITI) NO $0

Inpatient Services NO $0

WHEN CHAMPVA PAYS INCORRECTLY

In the processing of millions of claims each year, there may be an inadvertent 

overpayment to you or your provider, depending on who submitted the claim. This 

might happen when we are not aware that you have other health insurance that should 

have paid before the bill was submitted to us, when a provider bills us twice for the 

same service or if we mistakenly pay for services for you or a family member during a 

period of ineligibility. No matter whose fault the incorrect payment was, we are required 

to take action to get the money back from whomever received the erroneous payment. 

That’s called recoupment, and it is done to help ensure that your tax dollars are spent 

properly, according to the law.

If you were overpaid, you will receive a letter requesting repayment and explaining your 

rights under the law. You should respond to the request within 30 days. If you can’t 

afford to pay the money all at once, you may be able to make monthly payments. You 

will be asked for financial information if you request a waiver of the overpayment. 

Depending on the outcome of the review of that information, the debt might be reduced 

or waived. If you do not respond to our notification, action to collect the amount owed to 

the VA will begin.

Professional Services NO $0

Outpatient Services 

(e.g., doctor visits, lab/ 

radiology)

NO $0

$0 Durable Medical 

Equipment (DME) NO

BENEFITS DEDUCTIBLE?
44 A Handbook for the CHAMPVA Program www.va.gov/hac

6

SECTION 6: OTHER HEALTH INSURANCE (OHI)

OHI CERTIFICATION

When you first applied for CHAMPVA we asked you to complete a CHAMPVA OHI

Certification Form (VA Form 10-7959c). Any time there is a change in your OHI status, 

you must inform us of the change. Periodically we will ask for you to recertify your 

OHI status by completing the form and submitting it to us at the address below:

OHI Certification Forms: VA Health Administration Center

CHAMPVA

PO Box 469063

Denver CO 80246-9063

Or, you can call our toll free number and provide the 

information to a customer service representative at 

1-800-733-8387.

If your OHI is Medicare, include a copy of your 

Medicare card.

If your OHI is a health maintenance organization (HMO) 

or preferred provider organization (PPO), include a copy 

of the plan’s copayment information and schedule of 

benefits.

CHAMPVA AS PRIMARY PAYER

If you qualify for one of the four types of health insurance listed below, we will pay first 

(as the primary insurer). Those plans are:

Medicaid 

In those instances where Medicaid may have made payment for medical services and 

supplies first, we will reimburse the appropriate Medicaid agency for the amount we 

would have paid in the absence of Medicaid benefits, or the amount paid by Medicaid, 

whichever is less.

State Victims of Crime Compensation Program

We always pay first if you are eligible under a State Victims of Crime Compensation 

Program.

Indian Health Services (IHS)

We always pay first if you are eligible under Indian Health Services.

CHAMPVA Supplemental Health Insurance 

There are a number of companies that offer CHAMPVA supplemental policies. After 

we make a payment for health care services, your remaining out-of-pocket expenses, 

such as deductibles and copayments, often are payable by the supplemental 

insurance policy. If you have a policy that was specifically obtained for the purpose 

Words that are in bold green print are defined on pages 60–64.
www.va.gov/hac A Handbook for the CHAMPVA Program 45

6

SECTION 6: OTHER HEALTH INSURANCE (OHI)

of supplementing CHAMPVA, we will compute the allowable amount, pay the claim, 

and then you can submit the balance due on the claim to your supplemental insurer.

We do not endorse one policy over another, and you should carefully consider 

your family’s needs for the additional coverage. Information on supplemental 

insurance is available on the HAC Web site www.va.gov/hac. Further information 

about supplemental health plans can also be obtained from Federal Publishing 

www.federalpublishing.com. Federal Publishing is not affiliated with the 

government, and we do not endorse their products or services.

CHAMPVA AS A SECONDARY OR TERTIARY PAYER

In all other cases, CHAMPVA is a secondary or tertiary payer: we pay after your OHI

and, if you have more than one OHI (such as Medicare and Medicare supplemental 

plan), we pay after both plans. Having OHI complements the CHAMPVA program; it 

does not prevent anyone from using it. You may have another health plan through your 

employer, your spouse’s employer, or other government program such as Medicare. 

In most cases when you have OHI and CHAMPVA, there is no cost to you at all. When 

there is a cost to you, it is most often because you have exhausted your other health 

insurance benefits so the OHI is no longer making payment for a service or benefit 

period. In that case, when the medical service or supply is a covered benefit under 

CHAMPVA, we would pay up to our allowable amount.

You or the provider must file the claim with the other insurance plan before submitting 

it to us for payment. Upon receiving the EOB from the other insurer, you or the provider 

may file a CHAMPVA claim for any remaining balance. In addition to the EOB from 

the other health insurance, claims (billings) must include the provider’s itemized 

billing statement.

CHAMPVA AND HEALTH MAINTENANCE ORGANIZATION (HMO)

OR PREFERRED PROVIDER ORGANIZATION (PPO) PLANS

If you have an HMO or PPO plan, we will pay your out-of-pocket expenses (your 

copayments under the HMO/PPO) for CHAMPVA covered services up to our 

allowable amount.

We will not pay for medical services that were available through your HMO/PPO plan if 

you choose to obtain care outside the plan without authorization from the HMO/PPO

(for example, you choose to go to a doctor that is not part of your plan) or you do not 

follow the rules and procedures of your HMO/PPO to obtain the care. Additionally, if 

you have Medicare and choose to obtain care from a provider who does not accept 

Medicare patients, we will not pay for the care. You must follow your primary insurer’s 

guidelines, to include obtaining care from their network or participating providers.
46 A Handbook for the CHAMPVA Program www.va.gov/hac

6

SECTION 6: OTHER HEALTH INSURANCE (OHI)

In most cases, 

$0

All medical services 

and supplies that are 

covered by both the 

OHI and CHAMPVA.

Their plan 

allowable

What you owe 

up to the 

CHAMPVA 

allowable 

amount

Your OHI plan 

copayment

Their plan 

allowable $0

Your cost share 

for the type of 

service (see 

table on pages 

42 and 43)

Medical services 

NOT covered by 

your OHI, but 

covered by CHAMPVA 

(NOTE: We do NOT 

pay for services that 

were determined 

noncovered by your 

OHI because you failed 

to follow the OHI plan 

requirements.)

$0

The CHAMPVA 

allowable 

amount (see 

table on pages 

42 and 43)

YOU 

PAY

CHAMPVA 

PAYS

OTHER HEALTH 

INSURANCE PAYS SERVICE

Medical services 

covered by your OHI, 

and NOT covered by 

CHAMPVA.

COST SUMMARY—WHEN YOU HAVE OHI

 (OTHER THAN MEDICARE) 

CHAMPVA AND MEDICARE

When payment for covered services and supplies can be made under both Medicare 

and CHAMPVA, Medicare is the primary payer. For health care services covered 

under both plans, you most often have no out-of-pocket expense. The amount of the 

Medicare copayment is published yearly in your Medicare handbook. If Medicare 

denies a claim because you did not go to a Medicare participating provider, we will not 

pay the claim either.

Information to keep in mind if you have Medicare 

It is important to be aware that when you have Medicare and CHAMPVA, you must 

follow Medicare’s rules and procedures for covered services. If Medicare denies a 

claim because you do not follow their rules, or if Medicare determines the service is 

not medically necessary or appropriate, we will not pay for that care.

If you or your provider do not agree with the Medicare decision regarding payment or 

nonpayment, an appeal of the decision should be made with Medicare.

In most cases, when you are eligible for Medicare Part A, you must enroll in Medicare 

Part B to also have CHAMPVA eligibility (refer to Section 1: Eligibility Requirements).
www.va.gov/hac A Handbook for the CHAMPVA Program 47

6

SECTION 6: OTHER HEALTH INSURANCE (OHI)

You are not required to enroll in Medicare Part D (drug plan) in order to receive or 

retain CHAMPVA benefits. CHAMPVA is a creditable drug plan. So if you lose your 

CHAMPVA coverage at a later date, Medicare will not charge a penalty for enrollment 

into Part D.

We do not pay your Medicare Part B or Part D premiums.

COST SUMMARY WHEN YOU HAVE MEDICARE

$0

75% of the CHAMPVA 

allowable amount

25% of the 

CHAMPVA 

allowable 

>100 days amount

PART A – Skilled Nursing Facility (SNF)

PART A – Hospital

YOU 

PAY CHAMPVA PAYS MEDICARE 

PAYS

$0 Hospital Stay 

1–60 days

All but the

Medicare copayment

Your Medicare 

copayment

In most cases, 

$0

Hospital Stay 

61–90 days

All but the

Medicare copayment

What you owe up to the 

CHAMPVA allowable 

amount

In most cases, 

$0

Hospital Stay 

90 –150 days

All but the

Medicare copayment

What you owe up to the 

CHAMPVA allowable 

amount

25% of the 

CHAMPVA 

allowable 

amount

Hospital Stay 

>150 days $0 75% of the CHAMPVA 

allowable amount

There must be at least a 3-day inpatient stay prior to admission to the SNF

In most cases, 

$0

In most cases, 

$0

1–20 days

21–100 days

100% of Medicare 

allowable

All but the

Medicare copayment

What you owe up to the 

CHAMPVA allowable 

amount

What you owe up to the 

CHAMPVA allowable 

amount

SERVICE

(based on Medicare Resource Utilization Guidelines [RUG])
48 A Handbook for the CHAMPVA Program www.va.gov/hac

6

SECTION 6: OTHER HEALTH INSURANCE (OHI)

Varies

What you owe up to the 

CHAMPVA 

allowable 

amount

Varies Pharmacy (with 

Medicare Part D)

(after Medicare 

deductible met)

PART B – Outpatient

YOU 

PAY

CHAMPVA 

PAYS

MEDICARE 

PAYS SERVICE

(after CHAMPVA 

deductible met)

Outpatient medical care to 

include:

In most

cases, $0

• Office visits (doctor)

• Durable Medical Equipment

• Cancer screenings

• Mammograms

• PAP smears

• Immunizations (including 

flu shots)

• Diabetes supplies (test 

strips, monitors, etc.)

• Diabetes self-mgmt. training

• Bone mass measurements

80% of Medicare 

allowable amount

What you owe 

up to the 

CHAMPVA 

allowable 

amount

$0 Clinical 

Laboratory

100% of Medicare 

allowable

What you owe up to the 

CHAMPVA 

allowable 

amount

In most

cases, $0 Mental Health Visit 50% of Medicare 

allowable

What you owe up to the 

CHAMPVA 

allowable 

amount

25% of 

CHAMPVA 

allowable 

amount

$0

Pharmacy (without 

Medicare Part D) $0 (with a few 

exceptions)

Retail: 75% of 

allowable 

amount

MbM: 100%

$0

Hospice 100% of Medicare

allowable What you owe up to the 

CHAMPVA 

allowable 

amount

Outpatient Medications All but $5 per 

prescription

Respite Care 95% of Medicare 

allowable
www.va.gov/hac A Handbook for the CHAMPVA Program 49

6

SECTION 6: OTHER HEALTH INSURANCE (OHI)

CHAMPVA AND WORKERS’ COMPENSATION

We do not pay for medical care for the treatment of a work related illness or injury 

when benefits are available under a workers’ compensation program. You must apply 

for workers’ compensation benefits. If you exhaust your workers’ compensation 

benefits, we will then pay for covered services and supplies. Provide a copy of the 

final decision of the workers’ compensation claim to avoid any delay in payment of 

future claims.

CHAMPVA AND ACCIDENTAL INJURIES

If you are involved in an accident (such as an 

auto accident), you are required to file a 

medical claim with your (or the other person’s) 

insurance before submitting it to us. This is 

called third-party liability and means that 

someone else is legally responsible for your 

medical care. When we receive the EOB from 

the insurance company, you may file a 

CHAMPVA claim for any remaining balance. 

To ensure your medical needs are met, we will 

provide payment for medically necessary 

services while a determination of third-party liability is being made. 

If another party is determined to be responsible for covering the bills, we will 

request reimbursement for our payments from you or the other party (often their 

insurance company).
50 A Handbook for the CHAMPVA Program www.va.gov/hac

7

SECTION 7: CLAIM-FILING INSTRUCTIONS

It is important to fill out a claim form correctly. In most cases, the 

provider will complete and send in the claim form for you. There are 

times that you will have paid for the medical service or supply and 

need to request reimbursement from us. A mistake, forgotten 

signature or other missing information can slow down your claim or 

result in an initial rejection of the claim. We can’t process the claim 

until we have all the information.

WHEN YOU SUBMIT THE CLAIM

You will need to send in three items:

1. CHAMPVA Claim Form, VA Form 

10-7959a (available by phone or on 

the Web)

2. An itemized billing statement on a 

CMS 1500 or UB-04 with the same 

information listed in the Provider 

Submitted Claims section.

3. When you have other health insurance 

(OHI), an explanation of benefits (EOB) 

from the other health insurer.

Tips for when you file claims

 • Your name must be listed on the claim 

form exactly as it is on the CHAMPVA 

Identification Card.

 • Your CHAMPVA Member Number 

(your Social Security number) must 

be on the claim.

• Keep copies of all receipts, invoices and other documents.

• Separate claim forms are required for each CHAMPVA beneficiary in 

your household.

• If you do NOT use CHAMPVA Claim Form, VA Form 10-7959a, payment will be 

made directly to the health care provider instead of to you.

• After billing your other health insurance, you can file with CHAMPVA for any 

remaining balance.

Words that are in bold green print are defined on pages 60–64.
www.va.gov/hac A Handbook for the CHAMPVA Program 51

7

SECTION 7: CLAIM-FILING INSTRUCTIONS

PROVIDER SUBMITTED CLAIMS

If your provider submits the claim, they 

will either send it electronically or on a 

standardized paper form (CMS-1500

or UB-04).

Tips for when your provider 

files claims

• Claims submitted electronically 

are processed more quickly. If 

your providers can send the 

claims electronically and are not doing 

so, have your provider contact us.

• An itemized billing statement on a 

CMS-1500 or UB-04 form is required 

with the following information:

 - Full name, address and tax 

identification number of the provider

 - Address where payment is to 

be sent

 - Address where services were 

provided

 - Provider professional status (doctor, 

nurse, physician assistant, etc.)

 - Specific date of each service 

provided. Date ranges are 

acceptable only when they match 

the number of services/units of 

services

 - Itemized charges for each service

 - Appropriate medical code (ICD-9, 

CPT, HCPCS) for each service

• If OHI was billed, provide a copy of their EOB detailing what they paid. Sometimes 

the definition or explanation of their codes is on the reverse of their EOB (please 

include a copy of that as well). If you have two OHIs (such as Medicare and a 

Medicare Supplemental), we will need both EOBs to process your claim.

• Medical records or notes must be submitted with the bill in some cases. The 

handbook notes many of those services, like skilled nursing, home health 

care and some surgical procedures that require medical documentation.
52 A Handbook for the CHAMPVA Program www.va.gov/hac

7

SECTION 7: CLAIM-FILING INSTRUCTIONS

PHARMACY CLAIMS

Most pharmacies submit claims to us electronically. The following information is 

required for pharmacy claims, regardless of whether submitted electronically or 

on paper and regardless of whether submitted by the pharmacy or by you:

• An invoice/billing statement that includes:

 - Name, address and phone number of the pharmacy

 - Name of prescribing physician

 - Name, strength, quantity for each drug

 - 11-digit National Drug Code (NDC) for each drug

 - Charge for each drug

 - Date prescription was filled

 Note: Ask your pharmacist to provide you with a printout showing all of the 

necessary information.

• If you send us a claim, use CHAMPVA Claim Form (VA Form 10-7959a).

• If you send us a claim and you have other health insurance, your copayment 

amount must be included on your receipt.

WHERE TO MAIL CLAIMS

 VA Health Administration Center

 CHAMPVA

 PO Box 469064

 Denver CO 80246-9064

CLAIM-FILING DEADLINES

You have one year after the date of service to file 

any claims. In the case of inpatient care, the claim 

must be filed within one year of the discharge date. 

Claims submitted after the claim filing deadline will 

be denied.

When you have been denied either a claim for 

CHAMPVA eligibility or a claim for benefits, and 

that denial was overturned because you submitted 

additional information in support of the claim, a retroactive authorization will be made. 

You have 180 days after notification of an approved retroactive authorization of 

eligibility to file a claim.
www.va.gov/hac A Handbook for the CHAMPVA Program 53

7

SECTION 7: CLAIM-FILING INSTRUCTIONS

A–Information only, no check 

enclosed: Indicates that a U.S. 

Treasury check is not enclosed. 

When there is a payment, this will 

read “Check Enclosed.”

B–Control Number(s):

CHAMPVA claim specific 

identifier (always starts with two 

alpha characters).

C–Patient Control Number:

Provider claim specific identifier 

(not always present).

D–OHI Paid: Amount paid by 

other health insurance, including 

adjustments applied as a result of 

agreements between the provider 

and the OHI.

E–FMS Doc ID Number: This 

11-digit number further assists in 

identifying payments.

F–Cost Share: Patient’s payment 

responsibility unless there is OHI.

G–Remarks/Codes: A code in 

this column relates to the 

narrative description below.

EXPLANATION OF BENEFITS (EOB)

After a claim has been filed for your health care service, you will receive an EOB from 

us in the mail. The EOB lists the details of the services you received and the amount 

you may be billed by your provider. If you paid for the service and submitted a claim for 

reimbursement, the EOB will tell you how we calculated your cost share. The EOB

contains the following information:

• amount billed by the provider • amount allowed by CHAMPVA

• amount not covered • annual catastrophic cap accrual

• beneficiary and family deductible accrual • CHAMPVA payment(s)

• date(s) of service • description of service

• provider name • remarks

• amount paid by other health insurance plan or program

When a provider files a claim, the EOB is sent to both you and the provider. When you 

file a claim, the EOB is sent only to you. When your health care service is received 

through a VA source (such as Meds by Mail or CITI), an EOB is not sent to you.

A

B

C

E D

F

G
54 A Handbook for the CHAMPVA Program www.va.gov/hac

SECTION 8: APPEAL REQUESTS

8

YOU MAY APPEAL DENIALS OF

• Eligibility determinations

• Benefit coverage

• Authorization requests

• Services

• Second level mental health appeals (Note: first level appeals related to mental 

health care are completed by our mental health contractor—address on page 21 

of the handbook).

For an appeal to be considered, you must: 

• Submit the request in writing within one year of the date of the EOB, in the case of 

a denial of a service or benefit, or one year from the date of the letter notifying you 

of a denial of eligibility or service to us at:

 VA Health Administration Center

 CHAMPVA ATTN: Appeals

 PO Box 460948

 Denver CO 80246-0948

• Identify why you believe the original decision is in error,

• Include a copy of the EOB or determination letter and

• Submit any new and relevant information not previously considered.

After reviewing your appeal and supporting 

documentation, a written decision will be sent 

to you advising you of the decision. If you still 

disagree with the decision, you may request 

a second review. That request for review 

must be received within 90 days of the date 

of the initial decision. Identify why you believe 

the decision is in error and include any 

additional relevant information. Second level 

appeal determinations are final decisions and 

cannot be appealed again.

 NOTE: If the reason for the appeal is not identified, the request will be returned to 

you with no further action.

Words that are in bold green print are defined on pages 60–64.
www.va.gov/hac A Handbook for the CHAMPVA Program 55

SECTION 8: APPEAL REQUESTS

8

We will not consider appeals submitted regarding: 

• The cost share or amount of an individual or family’s deductible. By law, this 

amount is payable by you.

• The allowable amount based on a payment methodology.

• Medical providers sanctioned or excluded by the Department of Health and 

Human Services (DHHS) or the Office of Inspector General (OIG).

 - Providers may be sanctioned for failure to maintain proper medical credentials, 

fraud and abuse, default on public loans or various other reasons. Only the 

sanctioned provider or appointed representatives can appeal this decision, and 

that appeal must go to DHHS-OIG.

• Benefits that are specifically excluded by regulation.

Appeal requests that relate to the following situations will not receive 

a formal review, but will be reprocessed when the missing information 

is received or when you notify us the billing has been resubmitted with 

a correction. 

 • Claim denials for missing code information, Current Procedural Terminology (CPT), 

Health Care Common Procedure Coding System (HCPCS), Internal Classification 

of Diseases (ICD9) and National Drug Codes (NDC).

• Decisions on claims where we are requesting more information before an action 

is taken on your claim. Examples of this may include claim denials requesting 

medical documentation, operative reports, treatment plans or a certificate of 

medical necessity.

• Claim denials requesting an EOB from an OHI.

• Billing errors (e.g., incorrect date of service, incomplete or missing procedure 

codes and/or billed charges) where a corrected bill is submitted to modify the 

original claim.

• Determinations of Veteran’s service connected disability rating must be 

submitted to the local servicing VARO. The VARO determines the service

connected rating, and a challenge regarding their determination must be 

submitted to them.
56 A Handbook for the CHAMPVA Program www.va.gov/hac

9

SECTION 9: HELP FIGHT FRAUD

Combating fraud and abuse takes a cooperative effort. Please help us by reviewing 

your EOB to be sure that the services billed to us were reported properly. If you see a 

service or supply billed to us that you did not receive, please report it immediately in 

writing. Indicate in your letter that you are filing a potential fraud complaint and 

document the following facts:

• The name and address of the provider

• The name of the beneficiary who was listed as receiving the service or item

• The claim number

• The date of the service in question

• The service or item that you do not believe was provided

• The reason why you believe the claim should not have been paid

• Any additional information or facts showing that the claim should not have

been paid.

DETECTION TIPS

You should be suspicious of practices that involve: 

• Providers who routinely do not collect your cost share (copayment).

• Providers billing for services that you did not receive.

• Providers billing for services or supplies that are different from what you received.

Whom do I contact if I suspect fraud, waste or abuse? 

 Mail: VA Health Administration Center

ATTN: Program Integrity

PO Box 469060

Denver CO 80246-9060

PREVENTION TIPS

• Always protect your CHAMPVA Identification Card. Know to whom you are 

giving your CHAMPVA member number. Do not provide your member number 

to someone over the phone if they call you.

• Be skeptical of providers who tell you that a particular item or service is not usually 

covered by us, but know how to bill for the item or service to get it paid.

 Phone: 1-800-733-8387

 E-mail: Please go to this Web link and follow the directions for submitting 

e-mail: http://www.va.gov/hac/contact

Words that are in bold green print are defined on pages 60–64.
www.va.gov/hac A Handbook for the CHAMPVA Program 57

10

SECTION 10: NOTICE OF PRIVACY PRACTICES

The VA Notice of Privacy Practice briefly describes: 

• How your health information may be used and disclosed,

• Your rights regarding your health information and

• Our legal duty to protect the privacy of your health information.

For a more complete description of our privacy practices, you should carefully review 

the Detailed Notice of Privacy Practices that is available at our Web site.

Your Health Information

Any information we create or receive about you and your past, present or future:

• Physical or mental health condition

• Health care

• Payment for medical services

How We May Use and Disclose Your Health Information

In most cases, your written authorization is needed for us to use or disclose your health 

information. However, federal law allows us to use and disclose your health information 

without your permission for the following purposes:

• Treatment • Eligibility and Enrollment for VA Benefits

• Public Health • Research (with strict limitations)

• Abuse Reporting • Workers’ Compensation

• Patient Directories • Payment

• Law Enforcement • Judicial or Administrative Proceedings

• Services • Correctional Facilities

• When Required by Law • Coroner or Funeral Activities (with limitation)

• Health Care Operations • Health Care Oversight

• National Security • Health or Safety Activities

• Military Activities • Family Members or Others Involved in Your Care

(with limitations)

Words that are in bold green print are defined on pages 60–64.
58 A Handbook for the CHAMPVA Program www.va.gov/hac

10

SECTION 10: NOTICE OF PRIVACY PRACTICES

Department of Veterans Affairs Summary Notice

All other uses and disclosures of your health information will not be made without your 

prior written authorization.

Your Privacy Rights 

• Review your health information.

• Obtain a copy of your health information.

• Request that your health information be amended or corrected.

• Request that we not use or disclose your health information.

• Request that we provide your health information to you in an alternative way or

at an alternative location in a confidential manner.

• An accounting or list of disclosures of your health information.

• Receive our VA Notice of Privacy Practices upon request.

Changes

We reserve the right to change the VA Notice of Privacy Practices. In the event that 

happens, the revised privacy practices will apply to all of your health information we 

already have, as well as to the information we receive in the future. We will send a 

copy of the revised notice to your last address of record within 60 days of any change.

Complaints

If you are concerned that your privacy rights have been violated, you can file a 

complaint to VHA or to the secretary of the U.S. Department of Health and Human 

Services. To file a complaint with VHA you may contact your VA health care facility 

privacy officer, the VHA privacy officer, or VHA via “Contact the VA” at www.va.gov 

Complaints do not have to be in writing, although it is recommended. You will not be 

penalized or retaliated against for filing a complaint.

REQUESTING OR RELEASING INFORMATION FROM MY RECORD

How do I get a copy of my record?

Use VA Form 10-5345a, Individual’s Request for a Copy of Their Own Health 

Information (available by phone or on the Web), to request that a copy of your record 

or a copy of a document in your record to be sent to you.

Use VA Form 10-5345, Request for and Authorization to Release Medical Records or 

Health Information, if you want us to send a copy of your record or a copy of a specific 

document in your record to a person or entity other than yourself. For example, this 

form is used if you want your information to go to a legal office.
www.va.gov/hac A Handbook for the CHAMPVA Program 59

10

SECTION 10: NOTICE OF PRIVACY PRACTICES

How do I let the HAC know that 

I want to allow them to discuss claims 

and eligibility information from my file 

with an individual of my choosing?

Use VA Form 10-5345, Request for and 

Authorization to Release Medical Records or 

Health Information and print the words 

“Recurring Disclosure Authorization” in the 

Authorization block, if you want us to discuss 

your claim and eligibility information with a 

person who regularly assists you in handling 

your medical care needs, such as your spouse, 

adult child or friend.

How do I get access to online 

information about my file?

Use VA Form 10-5345a, Individual’s Request 

for a Copy of Their Own Health Information, 

and print the words “HAC ON-LINE” in the 

signature block, to obtain access to selected 

information from your CHAMPVA record about 

yourself through an online secure Internet 

connection. Additional information about HAC 

On-Line is at our Web site under For 

Beneficiaries, CHAMPVA.

Where do I mail these requests?

 Mail: VA Health Administration Center

 CHAMPVA

 PO Box 469028

 Denver CO 80246-9028
11 60 A Handbook for the CHAMPVA Program www.va.gov/hac

SECTION 11: WORD/ACRONYM DEFINITIONS

 Adjunctive The treatment is a necessary part of approved 

care for a covered medical condition.

Allowable Amount The amount we pay plus your cost share.

 Assignment When you go to a medical provider, find out if 

the provider will accept CHAMPVA. Providers 

most often refer to it as accepting assignment. 

What that means is the provider will bill us 

directly for covered services, items and 

supplies. Doctors or providers who agree to 

accept assignment cannot try to collect more 

than the CHAMPVA deductible and cost share 

amounts from you.

 Balance Billing Balance billing is inappropriate. When the 

provider accepts assignment, it is an 

agreement to accept the VA allowable 

amount as payment in full. You are not 

responsible for paying the difference 

between the provider’s billed amount 

and our determined allowable amount.

 Beneficiary A CHAMPVA-eligible spouse, widow(er) 

or child. Beneficiaries may also be referred 

to as dependents.

Centers for Disease Control (CDC) The major United States government agency 

for disease prevention based in Atlanta, 

Georgia.

 Certificate of Medical Necessity (CMN) A Certificate of Medical Necessity or (CMN) 

is a document provided by your physician 

that indicates the medical necessity for the 

care or services prescribed as part of your 

treatment plan.
www.va.gov/hac A Handbook for the CHAMPVA Program 61 11

SECTION 11: WORD/ACRONYM DEFINITIONS

CHAMPVA Civilian Health and Medical Program of the 

Department of Veterans Affairs

Child Includes birth, adopted, stepchild or 

helpless child as determined by a VA 

regional office (VARO).

 Coordination of Benefits We must be aware of other health insurance 

to know when there may be double coverage. 

Knowing this, we can ensure that there is not 

a duplication of benefits paid between the 

other health insurance coverage and 

CHAMPVA. The explanation of benefits 

from the OHI provides the documentation 

for us to coordinate benefits and pay your 

claim appropriately.

Custodial Care Treatment or services, regardless of who 

recommends them or where they are 

provided, that could be rendered safely and 

reasonably by a person not medically skilled, 

or that are designed mainly to help the patient 

with daily living activities. These services 

include but are not limited to:

• Personal care such as help in: walking; 

getting in and out of bed; bathing; eating 

by spoon, tube or gastrostomy; 

exercising; dressing;

• homemaking, such as preparing meals 

or special diets;

• moving the patient;

• acting as companion or sitter;

• supervising the medication that can 

usually be self-administered; or

• treatment or services that any person could 

be able to perform with minimal instruction, 

including but not limited to recording 

temperature, pulse and respiration, 

or administration and monitoring of 

feeding systems.

Diagnosis Related Groups (DRG) A system that hospitals use to classify the 

resources used to treat a specific condition 

or related condition based on the clinical 

needs of the patient. The DRG determine 

the reimbursement to the hospital.
11 62 A Handbook for the CHAMPVA Program www.va.gov/hac

SECTION 11: WORD/ACRONYM DEFINITIONS

 Durable Medical Equipment (DME) Medical equipment used in the course of 

treatment or home care, including such items 

as crutches, knee braces, wheelchairs, 

hospital beds, prostheses, etc. Health 

coverage levels for DME often differ from 

coverage levels for office visits and other 

medical services.

 Explanation of Benefits (EOB) A form that provides details of what was paid 

and the amount of payment.

 FDA Food and Drug Administration

 Formulary A health plan’s list of preferred drugs based 

on evaluations of the drugs’ effectiveness, 

safety and cost.

HAC Health Administration Center. Administers the 

CHAMPVA program.

 HCPCS Healthcare Common Procedure

Coding System

Health maintenance organization An organization that provides comprehensive

(HMO) health care to voluntarily enrolled individuals 

and families in a particular geographic area by 

member physicians with limited referral to 

outside specialists.

 Helpless Child A child who, before the age of 18, becomes 

permanently incapable of self-support and is 

rated as a helpless child by a Veterans Affairs 

Regional Office (VARO).

 High Volume Residential and treatment centers that have 

25 or more mental health discharges annually 

are considered high-volume facilities.

 Low Volume Treatment centers that have fewer than 25 

mental health discharges annually are 

considered low-volume facilities.

 Medical Necessity Services, drugs, supplies or equipment 

provided by a hospital or covered provider of 

the health care services that we determine:

• are appropriate to diagnose or treat the 

patient’s condition, illness or injury;

• are consistent with standards of good 

medical practice in the U.S.;
www.va.gov/hac A Handbook for the CHAMPVA Program 63 11

SECTION 11: WORD/ACRONYM DEFINITIONS

Medical Necessity (cont.) • are not primarily for the personal comfort 

or convenience of the patient, the family 

or the provider;

• are not a part of or associated with the 

scholastic education or vocational training of 

the patient and

• in the case of inpatient care, cannot be 

provided safely on an outpatient basis.

Meds by Mail (MbM) A pharmacy mailing service that provides a 

safe, easy and cost-free way for eligible 

CHAMPVA beneficiaries to receive nonurgent 

maintenance medications delivered directly to 

their homes.

 NDC National Drug Code, used to identify 

pharmaceuticals.

 Non-Peak Hour Period of time that call volume is most often 

less than other times of the day.

 OHI Other health insurance

 Over-the-Counter Medications Medications that do not require a prescription.

 Preferred provider organization An organization providing health care that 

(PPO) gives economic incentives to the individual 

purchaser of a health-care contract to 

patronize certain physicians, laboratories and 

hospitals that agree to supervision and 

reduced fees.

 Primary Payer A health insurance plan that will pay first on 

the bills for service. These are typically major 

medical health plans.

 Qualifying Veteran Sponsor A Veteran who is in receipt of a VARO award 

that establishes eligibility for CHAMPVA 

benefits for his/her dependents. These 

dependents cannot be entitled to DoD 

TRICARE benefits.

 Recoupment Collection of a debt owed to the government.

 Secondary Payer A health insurance plan that pays after the 

primary payer has determined what they will 

pay on the claim.

 Service-Connected A VARO determination that a Veteran’s illness, 

injury or death is related to military service.
11 64 A Handbook for the CHAMPVA Program www.va.gov/hac

SECTION 11: WORD/ACRONYM DEFINITIONS

 Spouse The wife or husband of a qualifying 

Veteran sponsor.

 Supplemental Insurance A health insurance plan that pays after the 

primary payer has determined what they will 

pay on the claim. We will pay before a 

CHAMPVA supplemental policy, but after a 

Medicare supplemental policy.

 Survivors Widow(er)s and dependent children

 Tertiary Payer A payer that provides coverage after the 

primary and secondary payers have made 

payment on a claim.

 VA Department of Veterans Affairs

 VARO Veterans Affairs Regional Office

 Widow(er) The surviving spouse of a qualifying 

Veteran sponsor.
www.va.gov/hac A Handbook for the CHAMPVA Program 65

INDEX

 A

accidental injuries ................................. 49

address, change of..................................2

ambulance service................................ 24

ambulatory surgery......................... 24, 40

appeals ........................................... 54–55

artificial insemination ............................ 37

assignment ...............................16, 40, 60

authorization ................................... 20–21

 B

balance billing....................................... 60

 C

catastrophic cap.................................... 40

certificate of medical necessity

 (CMN) ................................................. 60

chat line................................................. 12

child status........................................ 8, 61

chiropractic service............................... 37

CITI..................................7, 15, 21, 40, 53

claim filing ....................................... 50–53

colonoscopy.......................................... 22

contact information ......................... 11–13

contact lenses....................................... 27

coordination of benefits ........................ 61

costs................................................ 40–43

cost share (copayment)........................ 40

cost summary .....................42–43, 46–48

coverage outside the U.S..................... 41

covered benefits ............................. 22–37

custodial care.............................. 3, 37, 61

customer service ............................ 11–13

D

deductible.............................................. 40

definitions........................................ 60–64

dental ........................................20, 26, 37

diabetes ..............................22, 26, 29, 48

diagnostic tests..................................... 38

drugs .........................................18, 26, 38

durable medical equipment

 (DME)....... 14, 20, 21, 27, 38, 42, 48, 62

E

eligibility requirements...................... 5–10

end stage renal disease................... 6, 29

explanation of benefits ................... 53, 62

eyeglasses...................................... 27, 38

F

foot care.......................................... 28, 38

formulary......................................... 18, 62

fraud...................................................... 56

H

health care providers...................... 14–16

hearing aids .......................................... 38

hearing exams ................................ 23, 38

hearing impaired callers ..........................2

helpless child .................................. 10, 62

HMO plan............................15, 44, 45, 62

home health care.................................. 28

hospice......................................20, 28, 48

I

identification card............................ 14, 19

inpatient......................................................

.............. 14, 16, 20, 30, 35, 39, 42, 47, 52

itemized billing statement.........45, 50, 51

K

kidney dialysis....................................... 29

kidney transplant................................... 36
66 A Handbook for the CHAMPVA Program www.va.gov/hac

INDEX

L

learning disorders ................................. 38

M

mammogram .................................. 23, 48

Medicaid................................................ 44

Medicare .............. 5–8, 16, 18, 21, 44–48

Meds by Mail.......................17, 18, 43, 63

member number.......................14, 50, 56

mental health .............................................

..............20, 21, 30, 33–36, 42, 43, 48, 62

MRIs...................................................... 30

MYCHAMPVA........................................11

N

network pharmacy................................ 19

newborn(s)...................................... 31, 39

noncovered services ...................... 37–39

nursing homes .........................................3

O

occupational therapy ............................ 31

orthopedic ............................................. 32

orthotic shoes ....................................... 32

other health insurance (OHI)....13, 44–49

oxygen .................................................. 32

P

pharmacy ......................17–19, 43, 48, 52

physical therapy.............................. 20, 32

postpartum care.................................... 39

PPO plan.............................15, 44, 45, 63

prescription(s)...........................17–18, 48

preventive services......................... 22–23

primary payer............8, 21, 33, 44, 46, 63

privacy............................................. 57–59

prostate screening.......................... 22, 34

prosthetic devices................................. 33

Q

qualifying Veteran sponsor................... 63

R

recoupment................................. 9, 43, 63

S

secondary payer................................... 63

skilled nursing............................................

......................... 14, 20, 28, 34, 35, 43, 47

smoking cessation................................ 39

spouse .............................................. 5, 64

State Victims of Crime Compensation 

Program ................................................ 44

sterilization...................................... 25, 36

student .....................................................9

supplemental insurance ...........44, 45, 64

T

TMJ (temporomandibular joint)............ 36

transplants ................................20, 36–37

TRICARE...................................... 7, 8, 16

V

vaccines................................................ 23

VA providers.......................................... 15

W

weight control/medication..................... 39

widow(er) ........................................ 60, 64

workers’ compensation................... 39, 49
www.va.gov/hac A Handbook for the CHAMPVA Program

Notice of intent to conduct computer matching: Public Law 100-503, 

the Computer Matching and Privacy Protection Act of 1988, permits the 

government to verify information by way of computer matches. Pursuant 

to 5 USC 552a, the Privacy Act of 1974, as amended, and the Office 

of Management and Budget Guidelines on the Conduct of Matching 

Programs, notice is hereby given of the VA’s intent to conduct computer 

matches with Centers for Medicare and Medicaid Services (CMS). Data 

from the proposed matches will be utilized to verify Medicare entitlement 

for applicants and recipients for CHAMPVA benefits, whose eligibility for 

CHAMPVA is based upon entitlement for Medicare.

3000309
Department of Veterans Affairs 

Health Administration CenterCHAMPVAPO Box 469063Denver CO 80246-9063