For CHAMPVA families: spouses, survivors, and children of disabled veterans
Find doctors who accept CHAMPVA near you
The VA does not publish a CHAMPVA provider list. We do. Search 3,387,942 Medicare-accepting providers, because providers who take Medicare can bill CHAMPVA, and Medicare hospitals must accept it.
How it works
Search your city
Every provider we list accepts Medicare assignment, which makes them a strong CHAMPVA candidate. Filter by specialty and telehealth.
Call with our script
Front desks often do not know CHAMPVA. Our word-for-word script gets your question to the billing office, where the answer is usually yes.
Confirm and go
Confirm they accept CHAMPVA and the allowable amount. Then your share is just 25 percent of Medicare-level rates after a $50 yearly deductible.
The one rule every CHAMPVA family should know
CHAMPVA has no network. Providers who accept Medicare can bill CHAMPVA, and Medicare hospitals are required to accept it.
That single rule turns "nobody takes CHAMPVA" into millions of options. CHAMPVA pays at rates tied to Medicare, so accepting it costs a Medicare practice nothing extra. Most offices that hesitate simply have not heard the program's name before.
Browse doctors by state
Plain-English CHAMPVA guides
How to Find a CHAMPVA Provider Near You
Step-by-step guide to finding doctors that accept CHAMPVA. Learn the Medicare rule, what to say when you call,...
Read guideCan You Go to Any Doctor With CHAMPVA?
CHAMPVA has no network, so which doctors can you actually see? The real rules on choosing doctors, hospitals, ...
Read guideHow Much Does CHAMPVA Pay for Doctor Visits?
CHAMPVA pays 75% of the allowable amount after a $50 deductible, with a $3,000 yearly cap on your share. Full ...
Read guideThe Pros and Cons of CHAMPVA, Honestly
The real strengths and drawbacks of CHAMPVA coverage: $0 premiums and a $3,000 cap on the plus side, provider ...
Read guideWho Qualifies for CHAMPVA?
Who qualifies for CHAMPVA: spouses, surviving spouses, and children of 100% permanently disabled or deceased s...
Read guideCHAMPVA Supplemental Insurance, Explained Honestly
CHAMPVA supplement plans cover your 25% cost share for a monthly premium. Who sells them, roughly what they co...
Read guideCHAMPVA vs TRICARE: What Is the Difference?
CHAMPVA and TRICARE are completely different programs. Which one your military family has, what each covers, a...
Read guideHow CHAMPVA Works With Medicare
Turning 65 with CHAMPVA? You keep it, but you must enroll in Medicare. How CHAMPVA pays second, what it covers...
Read guideMeds by Mail: The Free CHAMPVA Pharmacy Benefit
Meds by Mail sends CHAMPVA beneficiaries maintenance medications free: no copay, no deductible, no cost share....
Read guideCHAMPVA Mental Health Coverage, Explained
CHAMPVA covers therapy, psychiatry, and substance use treatment. Which mental health providers can bill CHAMPV...
Read guideWhat Is CHAMPVA? Start Here
CHAMPVA is VA health coverage for spouses, survivors, and children of disabled or deceased service-connected v...
Read guideAre you a provider who accepts CHAMPVA?
703,000+ CHAMPVA beneficiaries have no official directory. Families check this site when choosing a doctor. Claim your free listing, or get featured at the top of your city.
"You carried the weight while they served. CHAMPVA is the country carrying some of it back."
Built for the spouses, survivors, and children of America's disabled veterans
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One email with the phone script, the cost table, and the five rules that protect your eligibility. Then occasional updates when benefits change. No spam, unsubscribe anytime.
Common questions
How do I find a doctor that accepts CHAMPVA?
CHAMPVA has no network, and providers who accept Medicare can bill CHAMPVA. Search our directory of Medicare-accepting providers by state and city, then call the office to confirm CHAMPVA before your visit.
Is there an official CHAMPVA provider directory?
No. The VA does not publish one. ChampvaDoctors.com fills that gap by indexing more than 3.3 million providers from the public CMS registry and teaching you exactly how to confirm acceptance by phone.
What does CHAMPVA cost to use?
There are no premiums. You pay a $50 yearly outpatient deductible per person ($100 family max), then 25 percent of the allowed amount for covered care, capped at $3,000 per family per year.
Who is eligible for CHAMPVA?
Spouses, surviving spouses, and children of veterans who are permanently and totally disabled from service-connected conditions, or who died from service-connected causes or in the line of duty, when not eligible for TRICARE.