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Home > Insurance Help & Plans Overview > CHAMPVA Supplement
USBA CHAMPVA Supplement Insurance Plan family photo
 
     
 
Plan Details
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Benefits Summary
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30-Day Right to Examine:
Upon approval of your Application, you’ll be issued a Certificate of Insurance. If you are not completely satisfied with the provisions of your Certificate, you can return it within 30 days, without claim, for a prompt, full refund. Important Plan Information
 

USBA CHAMPVA Supplement Plan

The USBA CHAMPVA Supplement Plan provides you with the protection you may need when a serious covered accident or sickness occurs. The USBA CHAMPVA Supplement Plan, when combined with your CHAMPVA benefits, is designed to provide you with the protection you need when you need it.

So why choose USBA’s CHAMPVA Supplement Plan?

  • Guaranteed Acceptance (subject to pre-existing condition limitation*)
  • 30-Day Right to Examine
  • Competitively Priced
  • Retirees and Spouses Get the Same Rates
  • Smokers Pay the Same Price As Non-smokers

Before you begin the application process, be sure to review the USBA CHAMPVA Suppplement Plan Features, Benefits Summary, FAQs and Rates.

If you have questions, please don’t hesitate to call one of our highly-trained product specialists at (877) 297-9235.

NOTE: Coverage may not be available in all states.

Notice: ASI, the administrator of USBA’s TRICARE/CHAMPVA Supplement products was recently acquired by Selman & Company of Cleveland, Ohio. This acquisition does not change the terms or conditions of your TRICARE/CHAMPVA Supplement products. The insurer stays the same, claims file the same, the customer service 1-800-638-2610 remains the same. USBA was not a party to the acquisition and continues to operate independently.

Underwritten by Transamerica Premier Life Insurance Company, Cedar Rapids, IA and for NY residents, Transamerica Financial Life Insurance Company, Harrison, NY.

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Application Download
Choose the application that’s right for you:
Arrow CHAMPVA Supplement
Arrow
Arrow Download Claim Form
Arrow Download Claim Form (NY Residents Only)
 

To qualify for this product, you must be:
  Arrow CHAMPVA-eligible recipient under age 65
  Arrow
CHAMPVA-eligible spouse under age 65, and dependent, unmarried children under age 18 (23 if in college)
  Arrow
CHAMPVA-eligible widow(er)s under age 65
Plan Details    
FAQs
Q1. Is there a maximum limit on benefits (lifetime, annual, etc.)?
A1. No maximum limit.
Q2. Will the plan cover amounts beyond what CHAMPVA allows?
A2. The CHAMPVA Supplement does pay cost share amounts, however; it does not pay additional charges above CHAMPVA’s allowed amount.
Q3. Does the plan pay for services that aren’t covered by CHAMPVA?
A3. No.
Q4. Will the plan pay the CHAMPVA outpatient deductible?
A4. The CHAMPVA outpatient deductible is not covered by the CHAMPVA Supplement Plan. The CHAMPVA Supplement plan has a fiscal year Plan deductible of $250 per person and $500 family maximum.
Q5. How will the plan require premium payments?
A5. Premiums may be paid monthly by deduction from savings or checking account (Automatic Payment Option (APO)) or direct bill - quarterly, semi-annually or annually. Credit cards may not be used to pay premiums.
Q6. Does my Medicare status impact eligibility for CHAMPVA benefits?
A6. Yes, your Medicare status has an impact on your eligibility for CHAMPVA benefits. Medicare automatically enrolls the vast majority of eligible beneficiaries 90 days prior to their 65th birthday. When you receive your initial information from Medicare, you also receive a Medicare card indicating both Medicare Part A and Medicare Part B coverage. To continue your CHAMPVA eligibility, you MUST enroll in, and remain enrolled in, Medicare Part B.

Upon enrollment in Medicare Part B, CHAMPVA changes to CHAMPVA for Life and becomes the secondary payor to Medicare. As a result, the CHAMPVA Supplement Plan will automatically end.
Q7. Will the plan cover you overseas?
A7. Yes, if you live or travel overseas (excluding Iraq, North Korea and Cuba), the supplement provides the same benefits as if you were in the U.S. Reimbursement for health care claims in foreign countries is based on reasonable and customary billed amounts. Your deductible and cost share will be the same as if you were in the U.S.

Medicare does not provide benefits for services provided overseas. However, if you are 65 or over, you must enroll in Medicare Part B. CHAMPVA will continue as your primary benefit option for the period of time you are overseas. As a result, the CHAMPVA Supplement Plan will also continue. You will receive the same level of benefits provided to those under age 65.
Q8. Can premium payments be increased? Under what conditions?
A8. 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.
Q9. Does the plan cover the service member when he/she retires?
A9. The service member is not covered by CHAMPVA.
Q10. If you’re retired military and have a health care plan (which pays before CHAMPVA) through a civilian job, do you still need a CHAMPVA supplement if, between them, your employer’s plan and the CHAMPVA health care option you’ve chosen will pay most or all of your civilian medical bills?
A10. You will need to look at your individual situation and review your primary health plan benefits to determine if the CHAMPVA Supplement Plan will be necessary. In most cases, an individual with a primary health plan, CHAMPVA and a CHAMPVA Supplement Plan will be over insured.
Q11. When does a spouse lose eligibility?
A11. When there is a divorce or annulment from the qualifying Veteran sponsor. Eligibility for CHAMPVA ends at midnight of the effective date of the divorce decree or annulment.
Q12. When does a child lose eligibility?
A12.
  • At age 18, unless enrolled in an accredited school as a full-time student.
  • At age 23 or loses full-time student status whichever comes first.
  • He/she marries.
  • A stepchild no longer lives in the household of the sponsor.
An incapacitated dependent will continue coverage past age 18 or 23 as long as incapacity occurred while enrolled in the plan.

Still have questions?
Call our trained service representatives at (877) 297-9235 between 8:00am and 4:30pm (CST), Monday through Friday and they’ll be happy to help you!

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Download the Application
That’s Right For You:
Download Claim Form
Arrow CHAMPVA Supplement Claim Form
Arrow CHAMPVA Supplement
(NY Residents Only)
Claim Form (NY Residents Only)
 
 
 



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