CHAMPVA Health Insurance Supplement

CHAMPVA Supplement Insurance Plan

What is CHAMPVA?

The Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA) is a comprehensive health care program in which the VA shares the cost of covered health care services and supplies with eligible beneficiaries. The program is administered by the Veterans Health Administration Office of Community Care (VHA OCC) in Denver, Colorado.

Am I eligible for coverage?

Beneficiaries of 100% Service Related Disabled Veterans. To be eligible for CHAMPVA, you cannot be eligible for TRICARE, and you must be in one of these categories:

  1. The spouse or child of a Veteran who has been rated permanently and totally disabled for a service-connected disability by a VA regional office.
  2. The surviving spouse or child of a Veteran who died from a VA-rated service-connected disability.
  3. The surviving spouse or child of a Veteran who was at the time death rated permanently and totally disabled from a service-connected disability.
  4. The surviving spouse or child of a military member who died in the line of duty, not due to misconduct (in most of these cases, these family members are eligible for TRICARE, not CHAMPVA).

Beneficiaries Age 18 to 23 years

When a CHAMPVA-eligible beneficiary turns 18, CHAMPVA requires that the beneficiary submit proof to CHAMPVA of full-time enrollment in an accredited educational institution for benefits to continue. Information on submitting proof of enrollment can be found on our School Enrollment Certification Requirements for CHAMPVA Benefits Fact Sheet

Easy way to enroll in CHAMPVA Supplement

Choose one of 3 easy ways to enroll:

  1. Download the application and instructions.
  2. Call for an enrollment packet to be sent to you
  3. Call us for help with the enrollment paperwork

CHAMPVA Supplemental Insurance Plan | Features

The CHAMPVA Supplemental Insurance Plan May Provide You With The Protection You May Need When A Serious Covered Accident Or Sickness Occurs.

CHAMPVA Insurance Features

The Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA) is a health benefits program in which the Department of Veterans Affairs (VA) shares the cost of certain health care services and supplies with eligible beneficiaries.

In general, the CHAMPVA program covers most health care services and supplies that are medically and psychologically necessary. Upon confirmation of eligibility, you will receive program material that specifically addresses covered and non-covered services and supplies in the form of a CHAMPVA handbook.

GEA CHAMPVA Supplemental Insurance Plan

100% coinsurance*

100% out-of-pocket costs for covered services*

Pays 100% of Doctors Visits, Pharmacy, and Hospital Co-pays*

Comprehensive coverage

Issuance of ID cards

Priced to fit Your Budget As well As Your Needs

Smokers Pay Same Price As Non-smokers

Coverage at Almost Any Hospital and Any doctor

Guaranteed acceptance (subject to 6 month pre-existing condition limitation**)

It’s So Easy To Enroll in the CHAMPVA Supplement

CHAMPVA when used with the Supplement

Pays 100% of Doctors’ Visits and Hospital Co-Pays*

75% Doctor Visits25% of Doctor visits$0.00
75% Hospitalization Impatient / Outpatient25% for Hospitalization$0.00
Rx Copay PharmacySupplement Pays Rx Copay
75% of Prescriptions25% of Prescriptions$0.00

Scroll table to see more details

* After the CHAMPVA Deductible and CHAMPVA Supplement Insurance Plan Deductible have been met.

How the CHAMPVA Supplement works with CHAMPVA

The CHAMPVA Supplemental Insurance Plan, when combined with your CHAMPVA benefits, is designed to provide you with the protection you need when you need it. The plan will pay your cost share for both covered inpatient and outpatient medical expenses after you satisfy the calendar year plan deductible of $250 per person, $500 family maximum. Take a moment now to read the details inside. Then enroll today to give your family the additional protection of the GEA CHAMPVA Supplement Insurance Plan that complements your CHAMPVA benefits.


Eligible Spouse: “Spouse” means your spouse who is under age 65 and a CHAMPVA benefits recipient, but not a spouse from whom you are legally separated or divorced. “Spouse” also means widow(er) if he or she is a member of the Participating Organization.

Spouses over age 65 are also eligible if documentation from the Social Security Administration certifying their non-entitlement to Medicare Part A benefits is submitted with their enrollment form.

Eligible dependent and unmarried children under age 18 (23 if a full-time college student) may also enroll.

Supplement Rates and GEA Membership

Rates illustrated are Per Person. Includes first year discount of 11%. Premiums increase as a person moves from one 5-year age bracket to another (40, 45, 50, 55, 60). The company reserves the right to change premiums on a group wide basis to maintain the financial solvency of the plan. This coverage is available to GEA members and their dependents only. If you are not a member of GEA, it is easy to become one. A membership application is included with the CHAMPVA SUPPLEMENT

Plan Deductibles

The CHAMPVA $50 individual/$100 family outpatient deductible are not covered by the CHAMPVA Supplement Plan. The CHAMPVA Supplement plan has an annual year Plan deductible of $250 per person and $500 family maximum. We will pay the Inpatient and Outpatient covered medical expenses once the Calendar Year plan deductible of $250 per person and $500 family maximum has been satisfied. Expenses incurred to satisfy the CHAMPVA Calendar Year Outpatient deductible cannot be used to satisfy the CHAMPVA Supplement Plan deductible.

How claims are filed with the Supplement EOB

All claims are filed first with CHAMPVA. After CHAMPVA has processed your claim, they will send you an Explanation of Benefit Statement (EOB). You will need to file a claim with the Supplement Plan only if the provider has not agreed to file one on your behalf. To file a supplement claim, simply write your certificate (member ID) number on the EOB and also, write “Pay Provider” if you would like the benefits paid directly to the provider, otherwise the benefits will be paid to you. Claims may be mailed to: GEA Administrator, 6110 Parkland Blvd., Cleveland, OH 44124 FAX: 800-311-3124

Additional Information

Additional plan information available by clicking GEA CHAMPVA Supplement Enrollment Form Take a moment to review and click the tabs, Eligibility, Termination, Exclusion, Effective Date, limitations and FAQ’s on the Benefits page. 

It’s So Easy To Enroll in the CHAMPVA Supplement


The thousands of government employees who belong to the association give GEA a strong voice to advocate for issues that impact current and former government employees. This strong voice enables GEA to foster support for those issues that matter to government employees and their families, and also offer valuable member benefits at an affordable cost, including TRICARE Supplement and CHAMPVA Supplement. You must be a GEA member to enroll in the TRICARE Supplement and CHAMPVA Supplement plan. The GEA membership form is included with Enrollment Form and can be added to your premium option.

MILOPS Insurance Services℠

This website is designed for all service members regardless of Rank, Service or Duty Status and our 100% Service Related Disabled Veterans and their eligible Beneficiaries. Our mission is to provide professional service to you in gratitude for the courageous and professional manner you have defended our Country and Liberty.

Over the next few pages, you can review the CHAMPVA Supplemental Insurance Plan to the Department of Veterans Affairs Health Administration Center for family members of disabled Veterans (who are CHAMPVA eligible). You will find information regarding VisionDental and Medicare Supplemental Insurance for eligible Veterans their Beneficiaries

  • The Corporate Plan Sponsor: Government Employee Association (GEA)
  • Plan Administer: Selman and Company
  • Underwritten by: Transamerica Premier Life Insurance Company, Cedar Rapids, IA Transamerica Financial Life Insurance Company, Harrison, NY (NY residents only)
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