Serving Veterans and Government Employees Since 1965
Understanding the CHAMPVA Supplement Insurance Plan
Q: What is the CHAMPVA Supplement Insurance Plan, and how does it work?
A: The CHAMPVA Supplement Insurance Plan is designed for beneficiaries of CHAMPVA. It minimizes your out-of-pocket costs for deductibles, cost-shares, and other expenses that CHAMPVA doesn’t fully cover, giving you more financial security.
Q: Who is eligible for this Supplement Insurance Plan?
A: This plan is available to CHAMPVA beneficiaries, including dependents and spouses of veterans who meet eligibility requirements.
Q: Can the TRICARE and CHAMPVA Supplement Insurance Plans be used together?
A: No, these plans are specific to their respective primary coverage and cannot be combined.
Prescription Coverage
Q: Does the CHAMPVA Supplement Insurance Plan cover prescription drugs?
A: The CHAMPVA Supplement Insurance Plan does not directly cover prescription medications but helps offset other out-of-pocket healthcare costs. CHAMPVA itself covers most prescription drugs that are medically necessary.
Coverage for Specific Services
Q: Does CHAMPVA or the CHAMPVA Supplement Insurance Plan cover hearing aids?
A: CHAMPVA does not cover hearing aids for most beneficiaries, and the CHAMPVA Supplement Insurance Plan does not include coverage for items not covered by CHAMPVA itself.
Q: Does CHAMPVA or the CHAMPVA Supplement Insurance Plan cover LASIK eye surgery?
A: CHAMPVA does not cover LASIK eye surgery, as it is considered an elective procedure. The CHAMPVA Supplement Insurance Plan only helps cover out-of-pocket costs for services covered by CHAMPVA.
Q: Does CHAMPVA or the CHAMPVA Supplement Insurance Plan cover nursing home care or long-term care?
A: CHAMPVA generally does not cover custodial or long-term care, such as nursing home care. However, CHAMPVA may cover skilled nursing care or rehabilitation services if they are medically necessary and prescribed by a physician. The CHAMPVA Supplement Insurance Plan only helps with out-of-pocket costs for services covered by CHAMPVA.
Q: Does CHAMPVA or the CHAMPVA Supplement Insurance Plan cover dental care?
A: CHAMPVA does not typically cover routine dental care, but it may cover dental procedures directly related to a covered medical condition. The CHAMPVA Supplement Insurance Plan does not provide coverage for dental services unless they are covered by CHAMPVA.
Filling Gaps in Coverage
Q: What gaps in coverage does the CHAMPVA Supplement Insurance Plan fill?
A: It covers CHAMPVA cost-shares and other out-of-pocket costs not fully reimbursed by CHAMPVA.
Q: Are dental and vision services covered by this Supplement Insurance Plan?
A: No, this plan does not include routine dental or vision care. Separate dental and vision plans can be purchased to complement your healthcare coverage. However, we do offer GEA Members Dental and Vision Insurance through our partnership with Guardian®. If interested, Life Insurance is also available for GEA Members. Click here for a quote!
Q: Does this Supplement Insurance Plan help with catastrophic caps?
A: Yes, this plan helps reduce out-of-pocket costs, ensuring you stay within the catastrophic cap limits set by CHAMPVA.
Costs and Enrollment
Q: How much does the CHAMPVA Supplement Insurance Plan cost?
A: Premiums vary based on factors like your age and plan type. This plan is designed to save you money by minimizing out-of-pocket healthcare expenses.
Q: How do I enroll in a CHAMPVA Supplement Insurance Plan?
A: Enroll through GEA’s website or by contacting your benefits administrator. Visit this page for more information: CHAMPVA Supplement Insurance Plan.
General Information
Q: What services are covered by CHAMPVA?
A: CHAMPVA covers most medically necessary services, including hospital stays, surgeries, and durable medical equipment. Visit CHAMPVA Benefits for details.
Q: What is the contact number for CHAMPVA?
A: 1-800-733-8387
Claims Processing
Q: How do I file a claim with the CHAMPVA Supplement Insurance Plan?
A: After your primary plan processes a claim, submit your CHAMPVA Explanation of Benefits (EOB) to SelmanCo. Reimbursement for eligible expenses will follow. Instructions for how to submit a claim can be found here.