The Veterans Affairs (VA) program known as Champva pays 100% of the medical expenses for eligible veterans and their spouses, children, or survivors. There is no monthly premium for this coverage. Instead, there is an annual deductible and copayments for some services.
To be eligible for Champva, veterans must have a service-connected disability rating of 50% or greater, or be rated as Totally disabled due to a service-connected condition. They must also be unable to receive health care benefits through the Department of Defense (DoD) or private insurance.
Spouses and children of veterans who are deceased or totally disabled due to a service-connected condition are also eligible for Champva coverage. In addition, children of veterans who were rated permanently incompetent by the VA are eligible until they reach age 18 (or 23 if attending school).