Question:

I’m a 100% DV who uses both VA and Medicare. My wife was just approved by CHAMPVA. Are there any impediments to her using this as her primary healthcare? Assuming she can use it as her primary, does she just provide her info when she goes to see her doctor? Thanks.

Jim's Reply:

What you use doesn't count in the equation. What counts is whether or not your dependent has any other health care insurance available? If she also has Medicare there may be some competing provisions.
 

If CHAMPVA is to be her primary insurer, that's fine. My wife has used CHAMPVA for many years and we think it's the best insurance ever. The only cautions I'd offer are to head to the doctor she chooses early, before she needs an appointment. She should speak with the insurance billing staff to get her account set ahead of time. 
 

Any procedures and complex referrals that may need authorization should be taken care of ahead of time. CHAMPVA pays for many preventive procedures as well as specialty consults but to ensure prompt payment, get a preauthorization.
 

Patience and preparation are the key to success with CHAMPVA. Good luck.