Integrity Now Insurance Brokers specializes in everything Medicare. The owner is also an Air Force veteran who is 100% P&T.
He has a family that includes his wife and 4 kids.
Because of this he is always looking for ways to help his fellow veterans, find answers to many of the common and uncommon questions our family face with CHAMPVA.
We have accumulated many of the top questions asked by veterans and their families. This list will continue to grow as we discover additional questions that need to be included.
If you or your family need help with a dental, vision, and hearing plan we have a special program that bundles these together under a single plan. It can provide coverage of $1,000, $1,500 or $3,000 in annual benefits per enrolled member and can be used with any doctor. It is currently available in most of the USA. There are a few states it is not available.
The CHAMPVA payer code needed for the billing department to property bill CHAMPVA is: 84146
Please use the following link to access the needed documents. CHAMPVA Applications
You have two options when filling your prescription medications.
As of May 26, 2022 the current processing time from submitting your enrollment application to receiving your ID cards is about 7 months. You can either mail your application or fax it into CHAMPVA.
The fax number for CHAMPVA is: 303-331-7808
The mailing address for CHAMPVA is: PO Box 469063 Denver, CO 80246-9063
CHAMPVA Help Line: 800-733-8387 Monday–Friday 8:05 a.m.–7:30 p.m., ET
This happens very frequently. Many CHAMPVA members have stated it can take an additional 2 weeks before they received their Medicare ID Cards.
CHAMPVA will ONLY cover video telehealth visits. Phone calls from your doctor without video are NOT covered by CHAMPVA.
If your family is eligible for Tricare, they are not eligible for CHAMPVA.
If both spouses are military veterans rated at 100% P&T, the Veteran is eligible for CHAMPVA. However, in most instances CHAMPVA is for the veterans dependants only.
No. You must be 100% P&T before your dependents can qualify for CHAMPVA.
Yes. Facebook has a group that helps New and Current CHAMPVA members. Click here to access a CHAMPVA SUPPORT GROUP.
CHAMPVA will provide medical coverage dating back to the effective date of your spouse’s 100% P&T rating. This date is found on your award letter from the VA, or by logging into your ebenefits account / VA.gov account. CHAMPVA will only reimburse the allowable amount. This amount can be 80% less then the doctors billable amount. If possible, have your doctor or hospital delay billing until you are fully enrolled. This will help prevent you from paying to much and not being reimbursed fully.
No. You will need to wait until you receive your CHAMPVA explanation of benefits. This document will show the allowable amount and how much you are obligated to pay. Then your doctor’s office will submit a bill to you. Make sure to confirm both documents match up your medical cost.
Yes, Walgreens and many other pharmacies accept CHAMPVA.
Labcorp and many others will accept CHAMPVA.
No, CHAMPVA is similar to a PPO style plan. You will need to verify your doctor or medical facility accepts CHAMPVA. Please provide the billing department the Payer # 84146, to ensure they are verifying the correct organization. Many doctors will give a mixed answer as they confuse CHAMPVA with Tricare. In most instances if a doctor accepts Medicare they will accept CHAMPVA.
Yes, CHAMPVA may apply two separate deductibles if you are enrolling as a family. One deductible applies for a single individual which is $50 annually. The other deductible is a Family deductible of $100 annually. This means, the most a family will pay in a year towards their deductible is $100. A family of six will pay $50 per person up to $100 max per family.
The max out of pocket cost is separate from your annual deductible. The max out of pocket for CHAMPVA is $3,000 annually. It resents every January 1.
CHAMPVA does not have a monthly premium. It is provided for free, with the exception of your deductible and max out of pocket obligation. CHAMPVA does not charge a monthly premium for this coverage.
Maybe. Depending on your overall health and monthly premium for your group health plan, it could be worth keeping it and combining it with CHAMPVA. If you rarely use your health insurance coverage, it may not be worth keeping your employers coverage. If you are in bad health and frequently use your employer based health insurance, and your annual employer sponsored plan premium is less than $3,000, we recommend keeping your employer plan.
CHAMPVA will fill in the gaps and cover the remaining cost such as your max out of pocket and deductible cost of your employer plan. You could look at downgrading your employer plan to their cheapest plan, as CHAMPVA will cover all remaining cost. Many members have zero cost outside of their annual $50 CHAMPVA deductible when combined with their employers plan.
In order to keep your CHAMPVA coverage and have Medicare, you will need to sign up for both Medicare Part A and Medicare Part B. Once you are signed up for both parts of Medicare, you will need to notify CHAMPVA asap and provide proof. Failure to notify CHAMPVA will result in you being disenrolled from CHAMPVA.
In most instances No. Some specialist may request it, but CHAMPVA does not with very limited exceptions.
It is important that you have the school complete the CHAMPVA School-Enrollment verification form, showing they are a full time student. This will ensure they are not dis-enrolled from CHAMPVA. Please complete and turn in this form 6 months prior to your dependent turning 18.
Many times when you receive a denied bill from CHAMPVA, is the result of your doctors office improperly billing. They may have sent the bill to the wrong address, or waited to long to bill CHAMPVA. Review the reason for the denial and either reach out to your doctors office and have them correct the mistake or call CHAMPVA and inquire on what happened. Ensure your doctors office billed the correct Payer # 84146, as this is a common mistake. We recommend adding the Payer number onto your Medical ID card.
Yes CHAMPVA will cover CVS minute clinic. Make sure the CVS minute clinic you go to, will accept CHAMPVA. Provide them with Payer Code: 84146
Yes, you can use CHAMPVA as your primary insurance or as secondary insurance.
Yes, as long as you are enrolled into both Medicare Part A & Part B, CHAMPVA will fill in the gaps left behind by Medicare. Most CHAMPVA enrollees state they pay nothing out of pocket when they use CHAMPVA as their supplement.
No. If you sign up for Part D of Medicare, you are no longer eligible for the free Meds By Mail. Some individuals prefer a Part D plan, as they may need the additional medication options and are willing to pay the additional monthly cost and the cost to purchase the prescription drugs. If you obtain a standalone Part D plan, you will no longer be allowed to use Meds by Mail.
All medications shipped and provided by Meds By Mail are 100% FREE. No shipping fees or cost to obtain your medications through Meds By Mail. You only pay when obtaining your prescription drugs at your local pharmacy.
No. You will need to be seen for a medical issue when requesting a physical before it will be covered by CHAMPVA. Please ensure you doctors office codes it correctly, and does not code it as a physical.
Yes. As long as the VA Facility is part of the CITI program and is accepting new patients, all services are covered at 100%. Here is a link of VA Facilities accepting CHAMPVA: CITI PROGRAM Facilities
Chiropractor visits are not covered by CHAMPVA.
Acupuncture is not covered by CHAMPVA.
Yes. While there can be some difficulty learning how best to use the coverage, most are very happy with their CHAMPVA benefits. The biggest advice provided, is to provide the Payer # 84146 and to write it onto your Medicare ID Card. This is the bulk of the issues members face.
CHAMPVA New mailing address is: PO Box 469064 Denver CO 80246-9064. This was changed in January 2022. Please ensure your doctors office is using the new mailing address.
No. They have talked about this major upgrade, and stated they may considering this upgrade in 2025. I would not hold your breath.