Health Care
Benefits Overview
2026 Edition, Vol. 1
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Table of Contents | 1
Introduction............................................................................................ 3
Basic Eligibility for VA Health Care...................................................... 4
Minimum Duty Requirements.......................................................................................................................................4
Expanded Health Care Under the PACT Act.............................................................................................................4
Benefits of Enrolling in VA Health Care............................................... 6
Why Enroll in VA Health Care?........................................................................................................................................6
High Quality Care...............................................................................................................................................................6
Enrolling in VA Health Care................................................................... 7
There are several ways to enroll in VA health care. Let us guide you
through the options:............................................................................. 7
Enrollment Priority Groups: What Are They and How Do They Work?............................................................8
Appealing Decisions...................................................................................................................................................... 10
Dual-Eligibility.................................................................................................................................................................. 10
VA Community Care............................................................................. 11
Urgent Care in the Community.................................................................................................................................. 11
Emergency Care............................................................................................................................................................... 11
Reporting Emergency Treatment to the VA........................................................................................................... 11
Emergency Care 72-Hour Notification..................................................................................................................... 11
VA Payment for Service-Connected Emergency Care........................................................................................ 12
VA may pay for your community emergency care:............................................................................................. 12
VA Payment for Non-Service-Connected Emergency Care.............................................................................. 12
Thank You for Choosing VA................................................................ 14
Once enrolled, you can start enjoying your VA health care benefits. .......................................................... 14
Types of Veteran ID Cards............................................................................................................................................. 14
Schedule an Appointment........................................................................................................................................... 15
Seamless Care for Traveling and Permanently Relocating Veterans............................................................. 15
Understanding the Affordable Care Act (ACA) and VA Coverage. 17
VA Copayments Overview.................................................................. 18
Urgent Care (Community Care).................................................................................................................................. 18
Outpatient Care............................................................................................................................................................... 18
Inpatient Care................................................................................................................................................................... 18
Medications....................................................................................................................................................................... 19
Extended Care Services (Long-Term Care)............................................................................................................. 19
Cost-Free Care for Certain Veterans.......................................................................................................................... 19
Copayment Options....................................................................................................................................................... 20
VA and Other Health Plans................................................................. 22
Private Health Insurance............................................................................................................................................... 22
Medicare Coverage......................................................................................................................................................... 22
2 | Health Care Benefits Overview 2026
Medical Benefits Package ................................................................... 24
Preventive Care Services .............................................................................................................................................. 24
Ambulatory (Outpatient) Diagnostic and Treatment Services ....................................................................... 24
Hospital (Inpatient) Diagnostic and Treatment Services .................................................................................. 24
Prescription Drugs .......................................................................................................................................................... 24
Counseling ........................................................................................................................................................................ 25
Rehabilitation Services ................................................................................................................................................. 25
Meeting Women Veterans’ Unique Needs ............................................................................................................. 25
Available Long-Term Care Services........................................................................................................................... 25
Additional Services ......................................................................................................................................................... 26
Advance Care Planning ................................................................................................................................................. 27
Medically Related Travel Benefits .............................................................................................................................. 27
Additional VA Health Benefits Programs ......................................... 30
Dependents, Survivors and Certain Caregivers ................................................................................................... 30
Camp Lejeune Water Contamination Benefits ..................................................................................................... 31
VA Dental Insurance Program .................................................................................................................................... 31
Mental Health Services ................................................................................................................................................. 32
Veterans Crisis Line ......................................................................................................................................................... 33
Getting Care Abroad for Service-Connected Conditions ................................................................................. 35
Caregiver Program .......................................................................................................................................................... 35
Services and Tools Available Online ......................................................................................................................... 36
Your
Personal VA
Health
Information
at Your
Fingertips ............................................................................................................36
Mobile Apps ...................................................................................................................................................................... 36
Veterans Canteen Service ............................................................................................................................................ 36
VA Health Care Frequently Asked Questions ........................................................................................................ 38
Legal Status and Use of Seals and Logos
The seal of the Department of Veterans Affairs certifies that the 2026 Health Care Benefits
Overview is the official summary of VA health care benefits. This overview provides
general information, and not all benefits may apply to everyone. Please consult with
your VA provider to confirm your specific eligibility. All information is current as of the
publication date.
According to 38 Code of Federal Regulations 1.9(f), you cannot use the VA’s official seal,
or any replicas, reproductions, or embossed seals of the VA, on republications of this
material without written permission from the Secretary or Deputy Secretary of Veterans
Affairs. Misuse of the VA’s seals and logos may result in penalties as specified in 18 United
States Code 506, 701, or 1017.
Introduction
This booklet is designed to help Veterans, their families, and caregivers understand the VA health care
system. It covers important topics like eligibility requirements, available health benefits and services, and
explains any copayments that some Veterans might be charged.
Updated Topics
and
Benefits:
• There
are
numerous
ways
you
can
enroll
in VA
health
care
on page 7
• Medication Copayments on page 19
• Veterans
Transportation
Service
on page 27
• VA
Dental
Insurance
Program
on page 32
• Veterans Crisis Line on page 33
This booklet does not cover all the health care benefits and services offered by the VA. More detailed
information is available with the following resources:
•
www.va.gov/health-care
• Call toll-free at 877-222-VETS (877-222-8387) Monday through Friday between 8 a.m. and 8 p.m. ET
• Contact the Enrollment Office at your local VA health care facility
Introduction | 3
Hear stories from
real Veterans.
At
MakeTheConnection.net
,
you can:
Watch fellow Veterans share their
inspiring stories of recovery.
Explore signs and symptoms of
mental health conditions.
Find mental health resources and
support available in your community.
Scan to hear
their stories
4 | Health Care Benefits Overview 2026
If you served in the active military, naval, or air service and were separated under any
condition other than dishonorable, you may qualify for VA health care benefits. Current and
former members of the Reserves or National Guard called to active duty by a Federal Order
(other than for training only) and who completed the full period for which they were called
or ordered to active duty may also be eligible for VA health care.
Minimum Duty Requirements
Most Veterans who enlisted after Sept. 7, 1980, or entered active duty after Oct. 16, 1981,
must have served 24 continuous months or the full period for which they were called to
active duty to be eligible. This minimum duty requirement may not apply to Veterans who
were discharged for:
• A disability incurred or aggravated in the line of duty
• A hardship
• An “early out”
There are many other exceptions to the minimum duty requirements. Therefore, the VA
encourages all Veterans to apply to determine their enrollment eligibility.
Returning
Service Members
(OEF/OIF/OND)
Every VA medical facility has a team ready to welcome OEF/OIF/OND service members
and assist in coordinating their health care and other services. For more details about
the various programs available for recently returned service members, visit the Post-9/11
Transition and Case Management site at
www.va.gov/post911Veterans
.
Veterans who served in a theater of combat operations after September 11, 2001, have
a special health care eligibility period for up to 10 years after their discharge. In cases of
multiple deployments, the 10-year enrollment period begins on the most recent discharge
date. This special eligibility includes cost-free health care services and nursing home care
for conditions possibly related to military service, and enrollment in Priority Group 6 for
10 years from their date of discharge or release from active duty, unless they qualify for a
higher priority group.
Combat Veterans who enroll with the VA during the 10 years after their discharge will
remain enrolled even after their enhanced eligibility period ends, though they may be
placed in a lower Priority Group based on income level and may need to make applicable
copayments. Additionally, for care not related to combat service, copayments may be
required depending on their financial assessment and other special eligibility factors.
Combat Veterans who do not enroll during their enhanced eligibility period may still
qualify for VA health care enrollment based on a VA-rated service-connected condition,
other special eligibility factors, or means testing. The VA encourages all Veterans to apply to
determine their enrollment eligibility.
Basic Eligibility for VA Health Care
Basic Eligibility | 5
Expanded Health Care Under the PACT Act
The PACT Act of 2022 (Public Law 117-168), Section 103, expanded health care for three specific cohorts of
toxic-exposed Veterans and Veterans supporting certain overseas contingency operations.
Cohort 1
Veterans who participated in a Toxic Exposure Risk Activity (TERA), as defined by law, while serving on active
duty, active duty for training, or inactive duty training. To view a list of military exposures that may have
occurred during your military service, visit
www.publichealth.va.gov/exposures
.
Cohort 2
Veterans who served in active military, naval, air, or space service while assigned to a duty location in
(including airspace above) the following areas during the specified periods:
• On or after August 2, 1990, in Bahrain, Iraq, Kuwait, Oman, Qatar, Saudi Arabia, Somalia, or the
United Arab Emirates.
• On or after September 11, 2001, in Afghanistan, Djibouti, Egypt, Jordan, Lebanon, Syria, Yemen,
Uzbekistan, or any other country determined relevant by the VA.
Note:
The VA has not determined any additional countries relevant at this time under this cohort.
Cohort 3
Veterans who were deployed in support of Operation Enduring Freedom, Operation Freedom’s
Sentinel, Operation Iraqi Freedom, Operation New Dawn, Operation Inherent Resolve, and the Resolute
Support Mission.
Under this new authority, eligible Veterans will be assigned to Priority Group 6 unless they qualify for a
higher priority group. Eligible Veterans can receive medical care and services (including mental health
services and counseling) and nursing home care through the VA.
Note:
To qualify for VA health care benefits, Veterans must meet the minimum duty requirements.
6 | Health Care Benefits Overview 2026
The VA offers a variety of health care services, from basic primary care to nursing home
care, for eligible Veterans. Refer to the “Medical Benefits Package” on page 24 for a
detailed list of benefits and services.
As America’s largest integrated health care system, the VA serves more than 6 million
Veterans each year. If the VA is unable to provide certain services in-house or in a timely
manner, you may be referred to an in-network community provider at the same cost as if
you had been seen by VA providers.
Why Enroll in VA Health Care?
• Minimum Essential Coverage
: VA health care meets the minimum essential
coverage requirements under the Affordable Care Act (ACA).
• High-Quality Care
: Medical care provided by the VA is rated among the best in the
United States.
• Convenient Enrollment
: There is no open season or waiting period for health care
coverage. Veterans can apply for VA health care enrollment at any time.
• Cost-Effective
: There are no enrollment fees, monthly premiums, or deductibles.
Many Veterans have no out-of-pocket costs, though some may have to pay
copayments for health care or prescription drugs.
• Extensive Network
: With more than 1,700 VA medical facilities, enrolled Veterans
who travel or spend time away from their preferred facility can obtain care at any VA
health care facility nationwide without needing to reapply.
• Flexibility
: Veterans can use other plans alongside VA health care, including
Medicare, Medicaid, or private insurance. TRICARE and CHAMPVA can also be used
for VA services if you choose to be seen under those benefits.
• Comprehensive Care
: The VA offers a comprehensive medical benefits package
that is generally available to all enrolled and eligible Veterans.
For more information, please refer to the “Medical Benefits Package” on page 24.
High Quality Care
The VA is dedicated to providing the high-quality, effective health care that Veterans
have earned and deserve. Our commitment to safe and exceptional care is consistently
recognized by independent reviews, accreditation organizations, and experts. The VA
continuously improves health care quality by leveraging new technologies, conducting
research, and partnering with other health care organizations. For more information,
please visit
www.accesstocare.va.gov
.
Medical Care Abroad for Veterans with a Service-Connected Disability
Veterans with a VA-rated service-connected condition, a disability associated with and
considered to be aggravating a VA-rated service-connected disability, or those receiving
certain care as part of a rehabilitation program under 38 U.S.C., Chapter 31, can receive
treatment for that condition even in a foreign country. For more details, refer to”Getting
Care Abroad for Service-Connected Conditions” on page 36.
Benefits of Enrolling in VA Health Care
Enrolling in VA Health Care | 7
There are several ways to enroll in VA health care. Let us guide you through the options:
Online
Veterans can fill out the application online at
www.va.gov/health-care/apply/
application
and submit it electronically to the VA for processing. The VA will
look up your military service information and may contact you for additional
documents, as needed.
By Phone
You can complete your application for enrollment in VA health care over the
phone. Call 877-222-VETS (877-222-8387) between Monday and Friday, 8 a.m.
to 8 p.m. ET. VA staff will gather the necessary information and process your
application for an enrollment determination.
By Mail
Download the application form from
www.va.gov/health-care/how-to-apply
.
Once completed and signed, mail it to:
Health Eligibility Center
Enrollment Eligibility Division
PO Box 5207
Janesville, WI 53547-5207
In Person
You can also apply at any VA health care facility. To find a facility near you, visit VA’s
directory at
www.va.gov/find-locations
.
Choose Your Care Location
During the enrollment process, Veterans can select their preferred VA Health Care System
or Community-Based Outpatient Clinic (CBOC). To find a facility near you, visit VA’s directory
at
www.va.gov/find-locations
.
Financial Reporting Requirements
Many Veterans qualify for enrollment and cost-free health care services due to a
compensable service-connected condition or other qualifying factors. However, some
Veterans will need to complete a financial assessment when enrolling to determine their
eligibility for cost-free medical care, medications, and travel benefits. This assessment
includes the previous year’s gross household income of the Veteran, spouse, and
dependents. This financial information may also determine your enrollment priority group.
Certain Veterans may have to pay copayments for treatment of non-service-connected
conditions and extended stays in VA medical facilities.
For more information, visit Your Health Care Costs at
www.va.gov/resources/your-health-
care-costs
or call 877-222-VETS (877-222-8387) between Monday and Friday, 8 a.m. to 8
Enrolling in VA Health Care
8 | Health Care Benefits Overview 2026
p.m. ET. You can also contact the Enrollment Coordinator at your local VA medical facility.
Note:
Once enrolled, you are not required to provide financial information annually. The VA uses data
from the Internal Revenue Service (IRS) and Social Security Administration (SSA) to keep your
financial information up-to-date.
Enrollment Priority Groups: What Are They and How Do They Work?
The VA administers medical benefits through a patient enrollment system based on Priority
Groups (PGs). These groups help ensure health care benefits are accessible to all enrolled Veterans.
If you qualify for more than one PG, the VA will place you in the highest priority group for which
you are eligible.
Priority Group 1
• Veterans with service-connected disabilities rated by the VA as 50% or more disabling.
• Veterans determined by the VA to be unemployable due to service-connected disabilities.
• Veterans who have been awarded the Medal of Honor (MOH).
Priority Group 2
• Veterans with service-connected disabilities rated by the VA as 30% or 40% disabling.
Priority Group 3
• Veterans who are former Prisoners of War (POWs).
• Veterans awarded a Purple Heart medal.
• Veterans discharged for a disability incurred or aggravated in the line of duty.
• Veterans with service-connected disabilities rated by the VA as 10% or 20% disabling.
• Veterans with disability compensation suspended due to receiving military retired pay.
• Veterans receiving compensation at the 10% rate for multiple non-compensable service-
connected disabilities that interfere with normal employability.
• Veterans awarded special eligibility classification under Title 38, U.S.C., 1151, “benefits for
individuals disabled by treatment or Veteran Readiness & Employment (VR&E).”
Priority Group 4
• Veterans receiving aid and attendance (A&A) or housebound benefits from the VA.
• Veterans determined by the VA to be catastrophically disabled.
Priority Group 5
• Veterans with annual household income below the VA’s national and geographically adjusted
income limit who are non-service-connected (NSC) or non-compensable 0% service-
connected (SC).
• Veterans receiving VA pension benefits.
• Veterans eligible for Medicaid programs.
Enrolling in VA Health Care | 9
Priority Group 6
• Veterans with a compensable 0% service-connected disability.
• Radiation-exposed Veterans.
• Vietnam-era herbicide Veterans.
• Toxic-exposed Veterans.
• Toxic-exposed risk activity Veterans.
• World War II Veterans.
• Persian Gulf Veterans.
• Camp Lejeune Veterans.
• “Covered Veterans” under 38 U.S.C. § 1119(c).
• Combat-theater Veterans.
Note:
Combat Veterans will be assigned to PG 6 for an enhanced enrollment period of up to 10 years, then
placed in the appropriate priority group.
Priority Group 7
• Veterans with gross household income below the geographically adjusted VA income limit for
their residence.
Priority Group 8
• Veterans with gross household income above the VA income limits and the geographically adjusted
income limits for their residence.
• Veterans eligible for enrollment:
Veterans
who
are
rated
with
a
non-compensable
0%
service-
connected
disability and are:
• Sub-priority a
: Veterans with a non-compensable 0% service-connected disability, enrolled
as of Jan. 17, 2003, who have remained enrolled since that date or whose eligibility status
has changed.
• Sub-priority b
: Veterans with a non-compensable 0% service-connected disability, who
enrolled on or after June 15, 2009, and whose income exceeds the current VA income limits
or the geographically adjusted VA income limits by 10% or less.
• Veterans
eligible
for
enrollment:
Veterans
who
are
non-service-connected
and:
• Sub-priority c
: Veterans who are non-service-connected, enrolled as of Jan. 17, 2003, who
have remained enrolled since that date or whose eligibility status has changed.
• Sub-priority d
: Veterans who are non-service-connected, enrolled on or after June 15, 2009,
and whose income exceeds the current VA income limit and geographic income limit by
10% or less.
• Veterans not eligible for enrollment:
Veterans whose income exceeds VA’s income limit by more
than 10%.
• Sub-priority e: Non-compensable 0% service-connected
Note:
Veterans may receive care for their service-connected condition.
• Sub-priority g: Non-service-connected Veterans.
10 | Health Care Benefits Overview 2026
Appealing Decisions
Veterans can appeal any decision regarding VA health care benefits or other VA services by providing
new evidence or information for reconsideration. For more information about your appeal options,
visit
www.va.gov/decision-reviews
or call 800-827-1000.
Dual-Eligibility
Some enrolled Veterans may also be eligible for health care benefits through TRICARE or CHAMPVA.
If you are dual-eligible, you will need to choose which benefit to use for each date of service and
sign an affirmation form beforehand. Selecting TRICARE may involve no copayments but cost shares
might apply. Choosing CHAMPVA typically means no cost shares or copayments when seen within
the VA system.
Community Care | 11
The VA provides care to eligible Veterans through community providers when VA cannot
provide the needed care. Receiving care in the community depends on specific eligibility
requirements, availability of VA care, and the individual needs and circumstances of
the Veteran. For more information, visit Community Care for Veterans at
www.va.gov/
communitycare
.
Urgent Care in the Community
The VA offers urgent care services to eligible Veterans at VA medical facilities or in-network
urgent care clinics for minor injuries and illnesses like colds, strep throat, sprained muscles,
skin, and ear infections, or other non-life-threatening conditions. To be covered, you
must be enrolled in the VA health care system and have received care through the VA or a
community health care provider within the last 24 months. No preauthorization is required.
Eligible Veterans can seek care from an in-network urgent care facility or walk-in retail
health clinic. Not all urgent care facilities or walk-in clinics are part of the VA’s community
provider network.
Emergency Care
In a medical or mental health emergency, Veterans should seek immediate medical
attention without delay. There is no need to check with the VA before calling an
ambulance or going to an emergency room. Eligible Veterans can receive VA-authorized
emergency care at an in-network facility if the VA is notified within 72 hours of the start
of care. Reporting your visit to a community emergency room promptly allows the VA
to assist in coordinating your care or transfer and helps meet administrative and clinical
requirements for VA to cover the costs.
To find an in-network emergency provider, visit VA’s location finder at
www.va.gov/find-
locations
.
Reporting Emergency Treatment to the VA
Ask your emergency provider to report your treatment to the VA by using the Emergency
Care Reporting (ECR) portal at
https://emergencycarereporting.communitycare.va.gov/
compliance
or calling 844-72HRVHA (844-724-7842). Reporting through ECR alerts the
local VA Medical Center (VAMC) and helps with care coordination. If you need urgent or
emergent transfer or care, contact your local VA medical facility.
Veterans, someone acting on their behalf, or eligible entities/providers can also report
emergency care to the nearest VA facility. Only one notification is needed.
VA Community Care
12 | Health Care Benefits Overview 2026
Emergency Care 72-Hour Notification
In-network community providers must report a Veteran’s visit to a community emergency room
within 72 hours of the start of emergent care. Out-of-network providers are encouraged to report as
soon as possible. Use one of these options to report emergency services:
• Online:
Emergency Care Reporting
https://emergencycarereporting.communitycare.
va.gov/compliance
.
• Phone
: 844-72HRVHA (844-724-7842)
• In-person
: Report to an appropriate VA official at the nearest VA medical facility.
VA Payment for Service-Connected Emergency Care
VA typically limits payment to the point when your condition is stable enough for you to be
transferred to a VA facility. To ensure coverage, you or your representative should notify the VA
within 72 hours of admission by calling 844-72HRVHA (844-724-7842). Once notified, VA staff will
help coordinate necessary care or transfer and explain eligibility and how it applies to services
provided in the community.
The emergency is considered to have ended when a VA provider, based on sound medical judgment,
determines that you could be safely transferred from the community facility to a VA medical facility.
VA may pay for your community emergency care:
If you are service-connected, the VA may pay for your:
• Community emergency care for a VA-rated service-connected disability
• Care for a non-service-connected condition that is associated with and aggravates your
service-connected condition
• Treatment to enable or continue participation in a training course if you are an active
participant in the 38 U.S.C. Chapter 31 Veteran Readiness and Employment (VR&E) program
• Care if you are rated as having a total disability that is permanent in nature (P&T) resulting
from your service-connected disability
• Care for other approved reasons
Community Care | 13
VA Payment for Non-Service-Connected Emergency Care
The VA may pay for emergency care provided in a community facility for treatment of a non-service-
connected condition only if all the following conditions are met:
• The episode of care cannot be covered under another VA authority.
• Based on an average knowledge of health and medicine (prudent layperson standard), it could
reasonably be expected that a delay in seeking immediate medical attention would have been
hazardous to your life or health.
• A VA or other federal facility/provider was not feasibly available.
• You were enrolled in the VA health care system and received medical services under the authority of
38 U.S.C. Chapter 17 within the 24 months preceding the community emergency care.
• You are financially liable to the health care provider for the emergency care.
• The services were furnished by an emergency department or similar facility that provides emergency
care to the public.
• You have no coverage under a health plan contract that would fully extinguish the medical liability
for the emergency treatment.
• You have no contractual or legal recourse against a third party that would, in whole, terminate
your liability.
Sharing Your VA Health Information
VA and your community care providers share your health information securely to coordinate your care
more effectively.
More Information:
• Visit:
www.va.gov/vhie
• In Person:
Talk to your local Release of Information Office
• Call:
877-771-8537
14 | Health Care Benefits Overview 2026
Once enrolled, you can start enjoying your VA health care benefits.
You’ll receive a “Welcome to VA” phone call from VA staff and a personalized Veterans
Health Benefits Handbook in the mail. During the call, we will answer your questions,
provide information about your health benefits and other VA services, and schedule your
initial VA health care appointment. The handbook will detail your specific VA health care
benefits in an organized, easy-to-read format, including information on your preferred
facility, copayment responsibilities, how to schedule appointments, ways to communicate
treatment needs, and more. For more information, visit
www.va.gov/health-care
.
Update Your Personal Information
While enrolled, it is important to update or report any changes to your address, phone
number, email, name, and health insurance. Keeping your information accurate allows the
VA to keep you informed about benefits and services updates. Each VA organization needs
to be notified of your demographic and personal information changes.
Types of Veteran ID Cards
The VA offers two types of identification cards to verify you are a Veteran:
Veteran Identification Card (VIC)
The VIC is a photo ID available to Veterans who are not eligible for enrollment in VA
health care. It can be used to obtain promotional discounts and other services at many
restaurants, hotels, stores, and other businesses. For more information and to apply, visit
www.va.gov/records/get-veteran-id-cards/vic
.
Veteran Health Identification Card (VHIC)
The VHIC is issued to enrolled Veterans for use at VA health care facilities as proof of identity
and for appointment check-ins. While not required for health care, the VA recommends all
enrolled Veterans request one.
To obtain a VHIC:
• Visit your local VA health care facility and have your photo taken. Provide one valid
photo ID (driver’s license, passport, or other federal, state, or local photo ID with
your current address).
• If your address is not on the photo ID, you can provide separate documentation to
verify your address (e.g., electric bill, cable bill, voter registration card).
You should receive your VHIC in the mail within 10 business days if you live in the U.S. If you
live outside the U.S., it should arrive within 30 business days.
Thank You for Choosing VA
Choosing VA | 15
You can also request a VHIC through the VHIC self-service portal:
• Visit
https://eauth.va.gov/accessva
• Select “I am a Veteran” and choose the “VHIC” button
Authentication will require using one of the following:
• ID.me
• Login.gov
• DS login
When
applying
for
a VHIC
outside
of
the
US
and
US Territories
On the Verify your Identity screen, select I don’t live in the United States. You will be directed to join a video call with
an ID.me a video chat agent. Once routed to the video chat agent, users will need to physically present:
• Two (2) primary identity documents, OR
• One (1) primary and (2) at least one secondary identity documents.
ID.me supports international phone numbers for Multi-Factor Authentication (MFA). There is a drop-down option in
MFA to select an international phone number.
Note:
A list of Primary and Secondary documents can be found at:
help.id.me/hc/en-us/
articles/360017833054-Primary-and-secondary-identification-documents
.
For more information about the VHIC, visit
www.va.gov/health-care/get-health-id-card
or call 877-222-VETS
(877-222-8387) Monday through Friday between 8 a.m. and 8 p.m. ET. Replacement cards for lost or stolen
VHICs can be requested by phone, in person, or online.
Schedule an Appointment
You can request a medical appointment when you apply for enrollment. We can also help you schedule your
first appointment during your “Welcome to VA” call. An appointment will be made with a VA health care
provider, and you’ll be notified via phone, mail, or text message of the appointment date and time. If you
need health care before your scheduled appointment, contact the Enrollment Coordinator, the urgent care
clinic, or the emergency room staff at your local VA medical facility.
Referral Coordination Teams (RCTs) are an extension of your health care team and will help coordinate
internal/direct and community care appointments.
You Will Be Assigned a Personal Care Team
Every Veteran who enrolls in Primary Care is assigned to a Patient Aligned Care Team (PACT) that will help
coordinate and personalize your care. Every PACT includes a primary care provider, nurse care manager,
clinical associate, and an administrative clerk. Your PACT will assist with accessing care face-to-face and
virtually, as well as other integrated services needed to optimize your health and well-being. For more
information about PACT, visit
www.patientcare.va.gov/primarycare/PACT.asp
or contact the Enrollment
Coordinator at your local VA medical facility.
16 | Health Care Benefits Overview 2026
Seamless Care for Traveling and Permanently Relocating Veterans
The VA wants to ensure your health care is coordinated and seamless. If you are traveling, temporarily
relocating (for example, living in different states seasonally), or permanently relocating, your care
experience will be enhanced if you contact your VA PACT or specialty care provider(s) four to six weeks
before traveling or relocating, or as soon as possible.
When you contact your PACT, be sure to have the following information:
• Travel destination(s) and temporary/permanent addresses
• A valid telephone number
• Arrival and departure dates
• Specific care concerns
Your care at an alternate VA health care facility will be recorded in your electronic medical record for
follow-up treatment with your PACT. For more information, contact your PACT or a Traveling Veteran
Coordinator at your local VA facility.
Coordinating Care Among VA Health Care Facilities
You may receive specialized medical treatments and services in various VA settings, such as a clinic,
hospital, emergency room, VA Community Living Center, or your own residence. Your PACT will
use VA’s electronic medical record system to ensure the coordination of your care, whether at your
preferred site of care or an alternate facility.
For health care services not offered at your local medical facility, you may be able to receive
alternative care options in the form of virtual/video, telephone, or in-person care through one of VA’s
Clinical Resource Hubs or a partnering VA facility. Referral Coordination Teams (RCTs) will discuss all
clinically appropriate care options with you at the time of referrals to ensure you are informed of all
possible internal/direct and community care options, allowing you to make an informed decision on
where you would like to receive your health care.
For more information, contact your PACT at your local VA facility.
Affordable Care Act | 17
The Affordable Care Act (ACA) aims to provide better access to health care, manage costs,
and improve the quality and coordination of care. It does not affect VA health care benefits,
CHAMPVA, or the out-of-pocket costs for eligible Veterans and their families.
Here are three important points to know:
1. Commitment to Veteran Health Care
: VA is dedicated to ensuring all Veterans
receive health care that enhances their health and well-being.
2. Coverage under ACA
: If you are enrolled in any of these VA health care programs,
you meet the ACA coverage standards:
• VA health care program
• Civilian Health and Medical Program of the Department of Veterans Affairs
(CHAMPVA)
• Spina Bifida health care benefits program
3. Enrollment Flexibility
: If you are not currently enrolled in VA health care, you can
apply at any time.
Additional Information
:
• Enrolled Veterans will receive IRS Form 1095-B electronically through their VA.gov
account. This form provides details about the health care coverage provided by
the VA in the previous year. For information on accessing your form, visit
news.
va.gov/144618/changes-to-how-you-get-irs-form-1095-b-from-va
.
• For more details on the ACA, CHAMPVA, and VA health care, visit
www.va.gov/
health-care/about-affordable-care-act
or call 877-222-VETS (877-222-8387) Monday
through Friday, between 8 a.m. and 8 p.m. ET.
Health Insurance Options for Non-eligible Veterans and Families
:
• Veterans and family members who aren’t eligible for VA health care and don’t have
employer-provided health insurance can obtain coverage through their state’s
Marketplace by visiting
www.healthcare.gov
.
For additional questions or support, feel free to reach out. We’re here to help!
Understanding the ACA and VA Coverage
18 | Health Care Benefits Overview 2026
Urgent Care (Community Care)
Veterans may have different copayments for urgent care compared to other VA medical
services. Copayments are based on your priority group and how often you use urgent
care within a year. These charges are billed separately. Veterans can visit urgent care an
unlimited number of times.
Priority
Group
Copayment Amount
1-5
First three visits (per calendar year): $0 - Fourth and subsequent visits (per
calendar year): $30
6
If related to a condition covered by special authority: - First three visits (per
calendar year): $0 - Fourth and subsequent visits (per calendar year): $30 - If
not related to a condition covered by special authority: $30 per visit
7-8
$30 per visit
1-8
No copay for visits that are just for a flu shot
Outpatient Care
Outpatient care includes primary and specialty care services that don’t require an
overnight stay. Veterans with a 10% or higher service-connected rating do not pay
copayments for outpatient care.
Type of Outpatient Care
Copayment Amount
Primary Care Services
$15 per visit
Specialty Care Services
$50 per visit
Inpatient Care
Inpatient care involves being admitted to a hospital. There are full and reduced inpatient
copayment rates. Veterans in high-cost areas may qualify for reduced rates. Veterans with a
10% or higher service-connected disability rating do not pay inpatient copayments.
Priority
Group
Period of Service/Care
Copayment Amount
(2023)
7
First 90 days of care during a 365-day period
$320 + $2 per day charge
7
Each additional 90 days of care during a 365-
day period
$160 + $2 per day charge
8
First 90 days of care during a 365-day period
$1,600 + $10 per day
charge
8
Each additional 90 days of care during a 365-
day period
$800 + $10 per day
charge
VA Copayments Overview
Copayments | 19
Medications
Veterans pay medication copayments for each prescription, including all 30-day supplies for non-service-
connected conditions. Copayments are also charged for over the counter (OTC) medications (like aspirin,
cough syrup, and vitamins) that are dispensed from a VA pharmacy. Veterans in Priority Group 1 do not pay for
medications. Veterans in Priority Groups 2-8 pay different amounts based on the medication tier and supply
duration. The annual copayment cap for medications is $700 for Priority Groups 2-8.
Outpatient Medication Tier
1-30 Day
Supply
31-60 Day
Supply
61-90 Day
Supply
Tier 1 (preferred generic)
$5
$10
$15
Tier 2 (non-preferred generic and some over-the-
counter (OTC)
$8
$16
$24
Tier 3 (brand-name)
$11
$22
$33
Extended Care Services (Long-Term Care)
Long-term care copayments are based on the level of care (refer to “Available Long-Term Care Services” on
page 25)
Level of Care
Maximum Copayment
Amount
Inpatient Care (Community Living Centers (nursing home
care)/Inpatient
Respite
Care/Inpatient
Geriatric
Evaluation)
$97 per day
Outpatient Care (Adult Day Health Care/Outpatient Respite Care/Outpatient
Geriatric Evaluation)
$15 per day
Domiciliary Care
$5 per day
Copayments for long-term care start on the 22nd day of care within any 12-month period. Actual charges
vary based on financial information submitted by the Veteran on VA Form 10-10EC (Application for Extended
Care Services).
Cost-Free Care for Certain Veterans
Many Veterans qualify for copayment-exempt health care and medications based on criteria such as:
• Receipt of a Purple Heart
• Receipt of the Medal of Honor
• Former Prisoner of War
• WWII Veterans (inpatient and outpatient care)
• 50% or more compensable service-connected disabilities (0-40% service-connected Veterans may
take the copay test to determine medication copayment status)
• Care related to a VA-rated, service-connected disability
20 | Health Care Benefits Overview 2026
• Catastrophically Disabled, as determined by VA
• Income below VA’s thresholds
• Special registry examinations
• Military Sexual Trauma counseling and care
• Compensation and pension examinations requested by VBA
• Care that is part of a VA-approved research project
• Care for service related to active duty service at Camp Lejeune for at least 30 days between
Jan. 1, 1957, and Dec. 31, 1987
• Readjustment counseling and mental health services
• Head or neck cancer treatment caused by nose or throat radium treatments in the military
• Breast cancer screening for toxic exposure
• Smoking cessation or weight reduction services
• Publicly announced VA initiatives, such as health fairs
• Care related to service in a combat theater after Nov. 11, 1998, within 10 years of most
recent discharge
• Lab tests or
EKGs
/
ECGs
• Veterans identified as Indian or Urban Indian
Copayment Options
VA offers various services to help Veterans manage copayments, including financial assistance:
1. Hardship Determination
: Exempts Veterans from outpatient and inpatient copayments
for the rest of the calendar year if household income is significantly lower than the
previous year. Contact your local VA medical center’s enrollment coordinator to apply.
2. Waiver
: Request a waiver for part or all debt by applying online at
www.va.gov/manage-
va-debt
or submitting VA Form 5655 to your local VA facility. For more info, call customer
service at 866-400-1238, Monday to Friday, from 8 a.m. to 8 p.m. ET.
3. Offer in Compromise
: Propose a lesser amount as full settlement of your debt by
submitting a request along with VA Form 5655.
4. Repayment Plans
: Establish a payment plan by submitting VA Form 1100 to your local VA
facility. For more information, call 866-400-1238, Monday to Friday, from 8 a.m. to 8 p.m. ET.
Debt Collection
After 120 days, unpaid debts are referred to the Department of Treasury for collection, and VA can no
longer accept payments.
Copayments | 21
Catastrophically Disabled Veterans
Veterans identified by a VA health care provider as catastrophically disabled are enrolled in Priority Group
4 and receive cost-free medical care and medications but may still have copayments for long-term care. To
be considered catastrophically disabled, Veterans must have a severe condition that requires personal or
mechanical assistance with daily activities. Request a catastrophic disability examination by contacting your
local VA health care facility’s enrollment coordinator.
For additional information and forms, please visit the
www.va.gov/find-forms
.
For any further questions, concerns, or more details, feel free to reach out to VA customer service at 866-400-
1238. We’re here to assist you!
Help starts here.
Veterans: Welcome to the next step in your
healing and recovery. VA provides a variety
of mental health treatments and services
to meet your needs.
Connect with mental health care in person at your
local VA facility or Vet Center, over the phone, or
using telehealth video tools.
Visit
MentalHealth.va.gov
.
Learn more
22 | Health Care Benefits Overview 2026
If you have health coverage through VA and another plan, you can keep using both. It’s
helpful to inform your VA health care provider if you’re also getting care outside of the VA
to ensure all your health care is coordinated properly.
Private Health Insurance
When Veterans have both VA health care and private insurance, community health care
providers should only bill VA for non-emergency care that VA has authorized. If you receive
emergency care in a community facility for a service-connected condition, make sure
the bill is sent to the VA. VA will handle it under your benefits package, and your private
insurance should not be billed for service-connected care.
If you want to use your VA benefits for community care, only VA should be billed, and
VA will bill your Other Health Insurance (OHI) if necessary. However, VA has limitations
on covering emergency care at community facilities when you also have other health
insurance. If your other insurance does not fully cover the treatment costs, VA may cover
some of the costs you are personally liable for, unless the payment was denied due to a
failure to comply with your health plan’s rules.
VA must bill other health plans for medical care, supplies, and prescriptions for non-
service-connected conditions. All Veterans applying for VA health care must provide
information about their health plan coverage, including coverage under their spouse’s
policy if applicable. The VA health care benefit is not considered a health insurance plan.
Enrolled Veterans can update their insurance information by:
• Using the VA Form 10-10EZR (Health Benefits Update Form) at
www.va.gov/health-
care/update-health-information
.
• Calling 877-222-VETS (877-222-8387) Monday through Friday, 8 a.m. to 8 p.m. ET.
• Showing their health insurance card during check-in at the clinic.
Medicare Coverage
Creditable Coverage
Enrollment in the VA health care system counts as creditable coverage for Medicare Part
D, which means VA prescription drug coverage is as good as Medicare Part D coverage.
However, only Veterans can enroll in VA health care, so their dependents and family
members do not receive credible coverage under the Veteran’s enrollment.
VA does not recommend canceling or declining Medicare or other health plans just
because you are enrolled in VA health care. VA usually does not provide care for Veterans’
dependents and family members. Additionally, Veterans who cancel Medicare Part B would
need to wait until January of the following year to re-enroll. There’s no guarantee that
Congress will provide sufficient funds for VA to care for all priority groups in future years.
Having a secondary source of coverage is often in the best interest of Veterans.
For more information about health insurance, visit
www.va.gov/health-care/about-va-
health-benefits/va-health-care-and-other-insurance
.
VA and Other Health Plans
VA and Other Health Plans | 23
Enrolling in both VA and Medicare can provide Veterans with more flexibility.
Medicare Part A comes at no extra cost, but Part B includes a monthly premium. Some Veterans may
delay Part B enrollment if they have other coverage, such as employer coverage. However, delaying Part
B enrollment and deciding to enroll later will result in a monthly penalty. VA health coverage does not
prevent this penalty.
Veterans should bring their Medicare cards to their next VA appointment to update their private health
insurance information. For more details on Medicare, visit
www.medicare.gov
.
Your 1095-B Form is Just a Click Away!
Starting January 31, 2026, you can easily access your IRS Form 1095-B online through
your VA.gov account. This is the fastest way to get your copy.
Veterans
Access your form online at
www.va.gov/records/download-your-irs-1095-b
.
Prefer a paper copy? No problem! Simply call us at 877-222-VETS (8387),
available Monday through Friday, from 8 a.m. to 8 p.m. ET.
Family Members
If you are enrolled in one of the following programs and need a copy of
IRS Form 1095-B, you can request one by phone:
CHAMPVA
Call 800-733-8387 (TTY: 711), Monday through Friday, 8 a.m. to 7:30 p.m. ET.
Spina Bifida Health Care Benefits Program
or
Children of Women Vietnam Veterans (CWVV) Health Care Benefits Program
Call 833-930-0816, Monday through Friday, 8 a.m. to 6:45 p.m. ET.
For fast and easy access to your important
tax documents, visit VA.gov today!
24 | Health Care Benefits Overview 2026
Your comprehensive VA health benefits package provides all the inpatient hospital care,
outpatient services, and extended care you need to maintain, restore, or improve your
health. VA medical facilities offer a broad range of services including surgery, critical care,
mental health care, orthopedics, pharmacy, radiology, and physical therapy. Additionally,
most facilities provide specialty services such as audiology, dermatology, dental care,
geriatrics, neurology, oncology, podiatry, prosthetics, urology, and vision care. Some even
offer advanced services like organ transplants and plastic surgery.
Preventive Care Services
• Immunizations/Vaccines
• Periodic health exams
• Routine vision testing and eye-care services
• Maintenance of drug-use profiles, monitoring, and education
• Mental health and substance abuse preventive services
• Prevention of musculoskeletal deformity or other gradually developing disabilities
of a metabolic or degenerative nature
• Genetic counseling concerning inheritance of genetically determined diseases
• Periodic reexamination for high-risk groups
• Health education programs
Ambulatory (Outpatient) Diagnostic and Treatment Services
• Primary and specialty care
• Emergency care
• Surgical services (including reconstructive/plastic surgery for disease or trauma)
• Mental health and substance abuse treatment
• Durable medical equipment
• Prosthetic and orthotic devices (including eyeglasses and hearing aids for qualifying
Veterans)
Hospital (Inpatient) Diagnostic and Treatment Services
• Medical care
• Surgical services (including reconstructive/plastic surgery for disease or trauma)
• Mental health and substance abuse treatment
Prescription Drugs
Prescription drugs, including OTC medications and medical supplies, are available under
the VA national formulary system when prescribed by a VA health care provider.
Medical Benefits Package
Medical Benefits Package | 25
Counseling
Immediate family members, legal guardians, or individuals in the Veteran’s household may be eligible for
consultation, professional counseling, marriage and family counseling, training, and mental health services
related to the Veteran’s treatment.
Rehabilitation Services
Comprehensive rehabilitation services other than vocational services provided under 38 U.S.C. Chapter 31.
Meeting Women Veterans’ Unique Needs
Your local VA facility offers services tailored to women, ensuring privacy, dignity, and sensitivity. These
services include:
• Women-specific health screenings and disease prevention
• Routine gynecology and fertility treatments
• Reproductive health
• Screening mammograms
• Pregnancy and delivery services
• Newborn care, post-delivery (date of birth plus seven calendar days after the birth of the child)
Women Veterans can receive care in the community when authorized by VA. Contact your local
Women Veterans Program Manager or call 855-VA-WOMEN (855-829-6636) for more information.
Available Long-Term Care Services
VA Community Living Centers
Some Veterans qualify for indefinite Community Living Center (nursing home) services, while others may
qualify for a limited time.
Domiciliary Care
Provides rehabilitative and long-term health maintenance for Veterans who need some medical care but not
full nursing home services, emphasizing rehabilitation and community reintegration.
Medical Foster Home
Trained caregivers provide services to Veterans in private homes that VA inspects and approves. Contact
your VA social worker or case manager for more information.
State Veterans Homes
State Veterans Homes offer nursing home, domiciliary, or adult day care. Contact the home directly or your
local VA facility’s Social Work Service for more details.
26 | Health Care Benefits Overview 2026
Additional Services
• Geriatric Evaluation:
Assessments to create care plans including treatment, rehabilitation,
and social services.
• Geriatrics and Extended Care:
Services for elderly Veterans with complex needs and those
requiring daily support.
• Adult Day Health Care:
Day programs for social activities, peer support, and help with daily
living activities.
• Respite Care:
Provides a break for family caregivers by offering temporary care for Veterans.
• Home Health Care:
Includes services offered by the VA include Skilled Home Health Care
Services (SHHC), Homemaker and Home Health Aide Services (H/HHA), and the Family
Caregivers Program. SHHC provides short-term care for homebound Veterans or those living
far from VA facilities, delivered by community-based home health agencies contracted with
the VA. H/HHA services help Veterans of any age remain in their own homes. The Family
Caregivers Program supports caregivers of post-9/11 Veterans and service members who are
being medically discharged, offering a stipend, training, mental health services, travel and
lodging reimbursement, and health insurance if needed. For more information, visit
www.
va.gov/health-care/about-va-health-benefits/long-term-care
, contact your local VA medical
facility to speak with a caregiver support coordinator, visit
www.caregiver.va.gov
, or call 855-
260-3274, Monday through Friday, 8 a.m. to 8 p.m. ET.
• Home Telehealth:
Remote monitoring of medical conditions by VA health care providers.
• Hospice/Palliative Care:
Comfort-based care for Veterans with terminal conditions.
Veterans not automatically exempt from copayments for long-term care must complete VA Form 10-
10EC (Application for Extended Care Services) to determine the extent of required payments.
Special Eligibility Criteria Benefits
Certain care services may have limitations and special eligibility criteria, including ambulance services,
dental care, community health care services, and emergency care.
Hearing Aids and Eyeglasses
VA may provide hearing aids, contact lenses, and eyeglasses to enrolled Veterans who receive VA care
or services, if they meet any of the following criteria:
• Veterans with any compensable, service-connected disability
• Former prisoners of war (POWs)
• Veterans awarded a Purple Heart
• Veterans receiving benefits under 38 U.S.C. 1151 (for disabilities from treatment or VR&E)
• Veterans receiving increased pension based on the need for aid and attendance (A&A) benefits
or due to being permanently housebound (HB)
• Veterans with a visual or hearing impairment resulting from another medical condition being
treated by VA
Medical Benefits Package | 27
• Veterans with significant functional or cognitive impairment that affects daily living activities (not
including normally occurring visual or hearing impairments)
• Veterans with severe visual or hearing impairment who need aids to ensure active participation in
their medical treatment
• Veterans with a 0% service-connected hearing disability
For more information, see 38 Chapter I CFR 17.149.
Advance Care Planning
Advance care planning involves deciding your health care preferences for the future. This might include
completing an advance directive or participating in a “goals of care” conversation.
• Advance Directive:
A legal document that describes your health care preferences and names a
health care agent.
• Goal of Care Conversation:
Discuss your values and goals with your health care team to create a
treatment plan.
Medically Related Travel Benefits
Veterans Transportation Service (VTS)
The Veterans Transportation Service (VTS) offers free transportation to qualifying Veterans and other
VHA beneficiaries to and from participating VA medical facilities and VA-authorized community care
appointments. Priority is given to those with the greatest need and urgency. VTS aims to improve access to
care through convenient, safe, and reliable transportation.
For transportation to your VA health care appointments, visit
www.va.gov/healthbenefits/vtp/map.asp
.
Beneficiary Travel (BT) Program
The Beneficiary Travel (BT) program reimburses eligible Veterans for travel costs to and from VA medical
facilities and VA-authorized community care appointments. The BT program also offers pre-approved
transportation solutions and can arrange special mode transportation (SMT) if requested by VA.
Veterans may qualify for mileage reimbursement or SMT for VA health care if they:
• Have a service-connected disability rating of 30% or more
• Are traveling for treatment of a service-connected condition
• Are receiving a VA pension
• Are traveling for a scheduled C&P examination not covered by other means
• Have income below the maximum annual VA pension rate
Under Section 250 of Public Law 114-223, effective October 1, 2016, eligibility extends to:
• Veterans with vision impairment
• Veterans with a spinal cord injury or disorder
28 | Health Care Benefits Overview 2026
• Veterans with a double or multiple amputation
• Veterans receiving care through a special disability rehabilitation program including spinal
cord injury centers, blind rehabilitation centers, and prosthetics rehabilitation centers
Other eligible conditions include:
• Veterans traveling to obtain, train, and return with a service dog prescribed by a VA clinical
team and approved by VA
• Beneficiaries of other federal agencies when authorized
• Allied beneficiaries authorized by appropriate foreign government agency
• Caregivers under the National Caregivers Program
• Medically required attendants
• VA transplant care donors and support persons
• Other claimants as per current regulatory guidelines
Conditions for Special Mode of Transport (SMT) Approval
Veterans may be eligible for SMT if they:
• Meet one of the administrative eligibility criteria listed above, and
• A VA clinician determines they need an ambulance or a specially equipped van
• The travel is preauthorized, except in emergencies where delay could be hazardous to
life or health
SMT includes:
• Ambulance
• Ambulette (stretcher)
• Air ambulance
• Wheelchair van
• Other transportation designed specifically for disabled persons
SMT does not include non-specialized transportation such as:
• Bus, subway, or taxi
• Train
• Airplane
• Modified privately-owned vehicles with special adaptive equipment
Mileage Reimbursement
Veterans can claim mileage reimbursement at 41.5 cents per mile per 38 USC 111 for travel to
qualified appointments. Reimbursement for actual costs of common carrier travel (bus, train, taxi) is
also available in some cases. For more information on travel benefits, visit
www.va.gov/health-care/
get-reimbursed-for-travel-pay
.
Medical Benefits Package | 29
How to Apply for Your Beneficiary Travel
You can submit claims for mileage and travel expenses using the Beneficiary Travel Self-Service
System (BTSSS):
• Submit claims online 24/7, 365 days a year
• Track the status of submitted claims
• Reduce claim processing time
• Use self-help tools for easy claim submissions
Visit
https://eauth.va.gov/accessva
and select “Submit a Travel Claim” to log in using an ID.me, My
Health
e
Vet, or LOGIN.gov account.
Alternatively, you can file a claim using VA Form 10-3542 (Veteran/Beneficiary Claim for Reimbursement
of Travel Expenses). For assistance, contact your local VA medical facility Beneficiary Travel Office or visit
www.va.gov/resources/how-to-file-a-va-travel-reimbursement-claim-online
.
Deductible Information
Travel benefits are subject to a deductible. Exceptions include:
• Receipt of a VA pension
• Travel for a C&P exam
• Travel by ambulance or specially equipped van
• When annual income does not exceed certain limits
For more information on travel benefits, visit
www.va.gov/health-care/get-reimbursed-for-travel-pay/
.
If you have any questions or need further assistance, don’t hesitate to reach out. We’re here to support you!
30 | Health Care Benefits Overview 2026
Dependents, Survivors and Certain Caregivers
CHAMPVA
CHAMPVA is a health care benefits program for:
• Dependents of Veterans with a total and permanent service-connected
disability as rated by the VA
• Survivors of Veterans who died from a service-connected condition or were
rated permanently and totally disabled at the time of their death
• Survivors of individuals who died in the line of duty, provided the death was
not due to misconduct
• Certain caregivers without other health insurance (OHI), including Medicare
and Medicaid, and not eligible for DoD’s TRICARE program
Contact Information:
CHAMPVA
PO Box 469063
Denver, CO 80246-9063
Phone:
800-733-8387
Questions:
https://ask.va.gov
Online Information:
www.va.gov/COMMUNITYCARE/programs/dependents/champva
Children of Women Vietnam Veterans Health Care Benefits
This program is for birth children of women Vietnam Veterans who have one or more
covered birth defects.
Contact Information:
Children of Women Vietnam Veterans
PO Box 469065
Denver, CO 80246-9065
Phone:
888-820-1756
Questions:
https://ask.va.gov
Online Information:
www.va.gov/COMMUNITYCARE/programs/dependents/cwvv
Additional VA Health Benefits Programs
Additional Benefits | 31
Spina Bifida Health Care Benefits
This program is for the birth children of Vietnam Veterans, certain Korea Veterans, and certain Thailand
service Veterans diagnosed with spina bifida (excluding spina bifida occulta) who receive benefits from the
Veterans Benefit Administration.
Contact Information:
Spina Bifida Health Care
PO Box 469065
Denver, CO 80246-9065
Phone:
888-820-1756
Questions:
https://ask.va.gov
Online Information:
www.va.gov/communitycare/programs/dependents/spinabifida
Camp Lejeune Water Contamination Benefits
If you lived or worked at U.S. Marine Corps Base, Camp Lejeune from the 1950s through the 1980s, you might
have been exposed to contaminated drinking water. Veterans who served for at least 30 days between
August 1, 1953, and December 31, 1987, may qualify for VA medical care for specific health conditions,
including various cancers, female infertility, and other serious health issues. For more information, visit
www.va.gov/disability/eligibility/hazardous-materials-exposure/camp-lejeune-water-contamination
.
Contact Information:
For claims and more information, contact the Veterans Benefits Administration
Phone:
800-827-1000
Online Claims:
www.va.gov/disability/how-to-file-claim
Veterans enrolled
in VA health care should contact their local VA health care facility. For assistance
determining eligibility, call 877-222-VETS (877-222-8387).
Family Members:
The Camp Lejeune Family Member Program offers financial assistance for family members
who resided there during the specified period.
Apply online:
www.clfamilymembers.fsc.va.gov/#start
VA Form 10-10068:
www.va.gov/VA_Form_10-10068.pdf
Contact Information:
Department of Veterans Affairs
Financial Service Center
P.O. Box 149200
Austin, TX 78714-9200
Phone:
866-372-1144
Website:
www.clfamilymembers.fsc.va.gov
For Camp Lejeune water contamination updates:
www.publichealth.va.gov/exposures/index.asp
32 | Health Care Benefits Overview 2026
VA Dental Insurance Program
At the VA, we believe every Veteran deserves access to quality dental care. While we can only provide
full dental benefits to Veterans who meet specific eligibility criteria, we do offer a solution for those
who don’t qualify or need more comprehensive care. The VA Dental Insurance Program (VADIP) allows
enrolled Veterans and CHAMPVA beneficiaries to purchase dental insurance at a reduced cost.
What VADIP Offers:
• Discounted dental insurance covering diagnostics, preventive care, endodontic and other
restorative services, surgery, and emergency care.
• Plans available through Delta Dental and MetLife.
Key Details:
• You pay the entire premium plus any copayments.
• Enrollment is voluntary and does not affect your eligibility for VA outpatient dental services.
Eligibility:
• Available to all enrolled Veterans and beneficiaries of CHAMPVA in the U.S., including
territories like Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa, the Philippines, and
the Commonwealth of the Northern Mariana Islands.
Want More Information?
• Call 877-222-VETS (877-222-8387) Monday through Friday, 8 a.m. to 8 p.m. ET.
• Visit
www.va.gov/health-care/about-va-health-benefits/dental-care/dental-insurance
.
Contact for Plans:
• Delta Dental:
Call 855-460-3302.
• MetLife:
Call 888-310-1681.
Additional Benefits | 33
Mental Health Services
Emergency Treatment During an Acute Suicidal Crisis
Under the Comprehensive Prevention, Access to Care, and Treatment (COMPACT) Act, eligible individuals
can receive emergency suicide care.
VA Services Include:
• Treatment coverage:
The VA provides, pays for, or reimburses treatment for emergency suicide care,
transportation costs, and follow-up care at both VA and non-VA facilities.
• Care duration:
Up to 30 days for inpatient or residential care and up to 90 days for outpatient care,
with possible extensions if necessary.
• Referrals:
Appropriate referrals for care after the emergency period.
• Eligibility determination:
Assessment for other VA services and benefits.
• Program referrals:
Referrals to suitable VA programs and benefits following the emergency period.
Eligibility:
Eligible individuals, regardless of VA enrollment status, include:
• Veterans
: Those who served in active military, naval, air, or space service and were discharged under
conditions other than dishonorable after completing 24 months of continuous active service.
• Former members of the armed forces
: Including reserve service members discharged under
conditions other than dishonorable or by court-martial, and who either:
• Served more than 100 days under a combat exclusion or in support of a contingency
operation, either directly or by operating an unmanned aerial vehicle from a different location.
• Were victims of physical assault of a sexual nature, battery of a sexual nature, or sexual
harassment while serving in the armed forces.
Veterans Crisis Line
The Veterans Crisis Line is a toll-free, confidential resource available to Veterans in crisis, their families, and
friends. It connects you with qualified, caring VA responders who are ready to help.
If you or a Veteran you know is in crisis or having thoughts of suicide, reach out for support 24/7/365:
• Call:
Dial 988 and press 1
• Chat online:
www.Veteranscrisisline.net
• Text:
Send a text to 838255
You don’t need to be registered with the VA or enrolled in VA health care to access this support.
The professionals at the Veterans Crisis Line are specially trained and experienced in helping Veterans of all
ages and circumstances. They are here to help.
34 | Health Care Benefits Overview 2026
Military Sexual Trauma (MST)
Military Sexual Trauma (MST) includes physical assault of a sexual nature, battery of a sexual nature, or
sexual harassment that occurred while a former member of the armed forces was serving on duty.
Important Points About MST:
• There are no restrictions on when or where it happened.
• It can occur on or off duty.
• It can happen at or away from the assigned duty station.
• There are no restrictions on the identity of the alleged perpetrator.
• It affects service members of any sex.
Evaluation and Care: Veterans who are not eligible for other VA care can still be evaluated by a VA
clinician at no cost to determine if there are any MST-related health conditions that require treatment.
Inpatient, Outpatient, and Residential Services
The VA offers free outpatient, inpatient, and residential services to both male and female Veterans
recovering from MST:
• Outpatient Services:
Available at every VA health care facility.
• Specialized MST Treatment:
Provided in residential or inpatient settings for Veterans needing
more intensive treatment and support.
For More Information:
• Contact:
Reach out to the MST Coordinator at your nearest VA medical facility.
• Resources:
Visit
www.mentalhealth.va.gov/msthome
for additional details.
• Facility Directory:
Find a nearby VA or Vet Center facility at
www.va.gov/directory
.
We are here to support your recovery. Please reach out for the care and assistance you need.
Additional Benefits | 35
Readjustment Counseling Services
VA offers free counseling and social services to Veterans and active duty service members, including
National Guards and Reserves, to help transition from military to civilian life.
Contact Information:
Phone:
877-WAR-VETS (927-8387)
More Info:
www.vetcenter.va.gov/Vet_Center_Services.asp
Veterans Involved in the Criminal Justice System
If you are a Veteran involved in the criminal justice system, it’s important to understand how your VA benefits
might be affected by incarceration. This varies based on the type of benefit and whether your conviction is
for a misdemeanor or felony.
Key Points:
• Incarceration does not cancel your VHA eligibility.
• The VA cannot provide hospital and outpatient care while you are an inmate in a government
institution that is responsible for your care.
• The VA can provide care after your release.
For More Information, visit
www.benefits.va.gov/persona/Veteran-incarcerated.asp
The VHA offers two programs to help Veterans involved in the criminal justice system connect to health care
and benefits after release.
1. Health Care for Reentry Veterans Program:
• Assists Veterans incarcerated in state or federal prisons.
• For more information, visit
www.va.gov/homeless/reentry.asp
2. Veterans Justice Outreach Program:
• Helps Veterans in local county or city jails or those under the supervision of local treatment courts,
including Veterans Treatment Courts.
We are here to support you. Reach out for assistance with your health care and benefits as you transition
after incarceration. For more information, visit:
www.va.gov/homeless/vjo.asp
.
Veterans or Dependents Verified as Fugitive Felons
Under current law, the VA cannot provide benefits to Veterans and their dependents if they are in fugitive
felon status.
• Veterans and dependents must provide proof that their felony warrant has been resolved within 60
days of notification.
• If proof is not provided within 60 days, VA benefits will be terminated.
• VA benefits will be restored once the VA receives proof that the felony warrant has been satisfied.
36 | Health Care Benefits Overview 2026
Homeless Veterans
The VA’s National Call Center for Homeless Veterans (NCCHV) offers free, 24/7 access to trained
counselors for Veterans who are homeless or at risk of homelessness.
• Assists homeless Veterans and their families
• Supports VA medical facilities, federal, state, and local partners
• Helps community agencies, service providers, and others in the community
How to Reach Us:
Call the NCCHV hotline toll-free at
877-4AID VET (877-424-3838)
.
More Information:
To learn about VA homeless programs and mental health services in your area,
visit
www.va.gov/homeless
.
Getting Care Abroad for Service-Connected Conditions
The Foreign Medical Program (FMP) helps U.S. Veterans with service-connected conditions living or
traveling abroad.
Contact Information:
Foreign Medical Program
PO Box 469061
Denver, CO 80246-9061
Phone:
877-345-8179
Fax:
303-331-7803
Email:
hac.fmp@va.gov
More Info:
www.va.gov/communitycare/programs/Veterans/fmp/index.asp
Veterans in Canada
Foreign Countries Operations
2323 Riverside Dr., 2nd Floor
Ottawa, Ontario, K1AOP5
Phone:
888-996-2242
Fax:
613-991-0305
Caregiver Program
This program supports Veterans who have incurred or aggravated a serious injury during their military
service. Eligible primary family caregivers can receive various benefits including a stipend, training,
and mental health services.
More Information:
Contact your local VA medical facility or visit
www.caregiver.va.gov
Phone:
855-260-3274
Additional Benefits | 37
Services and Tools Available Online
Office of Public Health
The VA Office of Public Health is dedicated to promoting and protecting the health of Veterans and VA staff.
Visit
www.publichealth.va.gov
to explore key health-related topics, such as:
• Health & Wellness:
Information on vaccinations, infection-control habits, employee wellness
programs, and violence prevention
• Diseases & Conditions:
Details on medical conditions that may affect Veterans
• VA Health Studies:
Research and data on health issues impacting Veterans, conducted by the Office
of Public Health and research organizations
• Military Exposures:
Information on health concerns related to military exposures
Your
Personal VA
Health
Information
at Your
Fingertips
My HealtheVet on VA.gov
My Health
e
Vet is an online tool for Veterans and caregivers, providing patient-centered innovations 24/7
from anywhere with internet access. Visit
www.va.gov/health-care/manage-health
and sign in to explore the
many features and options. What you can do when you sign inRefill your VA prescriptions and manage your
medications
• Schedule and manage some VA health appointments
• Use secure messages to communicate privately with your VA health care team
• Review, download, and print your medical records, including lab and test results
• Order some medical supplies
• For more information, visit
www.va.gov/resources/my-healthevet-on-vagov-what-to-know/
.
Mobile Apps
VA mobile apps help Veterans participate actively in their health care.
More Information:
mobile.va.gov
Veterans Canteen Service
The Veterans Canteen Service (VCS) lets you shop and dine at store and café operations located in VA
hospitals, many Community-Based Outpatient Clinics (CBOCs), and some Veterans Benefits Offices.
VCS Patriot Store Direct:
• Offers special order savings on name brand retail items such as computers, tires, tools, large
appliances, flowers, jewelry, toys, and more.
• Browse and place orders online at
www.vacanteen.va.gov
or call 800-664-8258 Monday through
Friday between 8 a.m. and 6 p.m. ET to place an order.
Unsure if you qualify?
Need assistance with filing a claim?
Scan the QR code below to:
• Check your eligibility
• Get step-by-step instructions on filing a mileage
reimbursement claim
• Download the app and file your claim with ease!
Act now and make your
travel
hassle-free
today!
Eligible Veterans may get
reimbursed for travel to
and from approved VA or
Community Care appointments.
Have more questions about transportation?
Just visit VA.gov and search “
Veterans Transportation
Program
” or visit
www.va.gov/health-care/file-travel-pay-
reimbursement/#eligibility-for-travel-pay.
Frequently Asked Questions | 39
VA Health Care Frequently Asked Questions
Where can I find more information?
You can call the VA Health Benefits help line at 877-222-VETS (877-222-8387) Monday through Friday
from 8 a.m. to 8 p.m. ET. Additionally, information is available on the VA Health Care website at
www.
va.gov/health-care
.
How can I verify my enrollment?
Upon confirmation of your enrollment, you will receive a personalized Veterans Health Benefits Handbook,
which will notify you of your enrollment status and Priority Group placement. You can also verify your
enrollment status by calling 877-222-VETS (877-222-8387) Monday through Friday from 8 a.m. to 8 p.m. ET.
Do I have to use VA as my exclusive health care provider?
No, you are not required to use VA exclusively. If you receive care from both VA and a local provider, it is
important to coordinate your care to ensure a single treatment plan (co-managed care) for your health
and safety.
How do I transfer my care to a new VA health care facility if I move to another
state?
To transfer your care to a new VA health care facility, contact your Patient Aligned Care Team (PACT). Your
PACT will work with the Traveling Veteran Coordinator to assist in transferring your care and establishing an
appointment at the new location.
How do I choose or change my preferred VA facility?
When you apply for enrollment, you will be asked to choose a preferred VA facility. This facility will be where
you receive your primary care. You may choose any VA facility that is convenient for you. If your chosen
facility cannot provide the necessary care, VA will arrange for your care based on administrative eligibility
and medical necessity. If you do not choose a preferred facility, VA will select the facility closest to your
home. You may change your preferred facility at any time.
What is a Referral Coordination Team (RCT)?
An RCT is a team of clinical and administrative staff that serves as an extension of your health care team.
Their goal is to review all clinically appropriate care options with you so you can make an informed decision
about where to receive your health care.
How do I meet with an RCT?
Each VA medical facility has an RCT. Please contact your Primary Care Provider’s office to coordinate your
care through the RCT.
40 | Health Care Benefits Overview 2026
What care options will the RCT review with me?
The RCT will review possible community care eligibility based on factors like drive time, distance, medical
interest, and wait time. They will also discuss internal/direct care options such as telephone visits, VA Video
Connect visits, telemedicine visits, or provider-to-provider consultations to help you make an informed
decision about where to receive your health care.
How do I cancel my VA health care coverage?
You may request to disenroll from VA health care (cancel/decline) at any time. To request disenrollment,
submit a signed and dated document requesting to be disenrolled to a VA medical facility or mail it to:
Health Eligibility Center
Enrollment Eligibility Division
PO Box 5207
Janesville, WI 53547-5207
You may reapply for enrollment anytime by completing a new VA Form 10-10EZ (Application for Health
Benefits) online at
www.va.gov/health-care/apply/application
, by calling 877-222-VETS (877-222-8387), or
by visiting your local VA health care facility. You will be considered a new applicant, and eligibility will be
based on the requirements at that time.
What is a geographic income limit?
VA income limits may change annually and are based on geographic locations in addition to the national
threshold limits for financial assessment purposes. These limits account for cost of living variations from
one area to another. You can find geographic income limits at
www.va.gov/health-care/income-limits/
introduction
.
What if my income is higher than the income limits after verification?
If your income is verified to be higher than the income limits, your copayment status will change from
copayment exempt to copayment required. This change may result in disenrollment due to income limits for
Veterans. VA facilities involved in your care will be notified of the change in status to initiate billing for the
services provided during that income year. Your enrollment priority status may also change, and you will be
notified of any changes by mail.
Does VA have access to my income tax return?
VA does not have direct access to your tax return. However, the IRS and the SSA share reported data on
earned and unearned income from employers and financial institutions.
Do recently discharged combat Veterans pay copayments?
Combat Veterans who qualify under special eligibility are not subject to copayments for conditions
potentially related to their combat service. However, they may be subject to appropriate copayment rates
for care or services that VA determines are unrelated to their military service.
Frequently Asked Questions | 41
What is a service-connected rating and how do I establish one?
A service-connected rating is an official ruling by VA that your illness or condition is directly related to your
active military service. For more information or to apply for these benefits, contact your nearest VA Regional
Office at 800-827-1000 or visit
www.va.gov
.
What should I do if I receive a bill and cannot pay?
If you are unable to pay your bill, discuss the matter with the Patient Billing Office at the VA facility where
you received your care.
Does enrolling in VA health care meet ACA requirements for coverage?
Yes, if you are enrolled in any of VA’s health care programs, including VA health care, CHAMPVA, or the Spina
Bifida Health Care Benefits Program, you have coverage under the standards of the ACA. Starting in 2019,
the Tax Cuts and Jobs Act removed the federal tax penalties associated with the ACA.
Does VA notify the IRS of my enrollment in the VA health care system?
Yes. Enrolled Veterans will receive IRS Form 1095-B electronically through their VA.gov account. This form
provides details about the health care coverage provided by the VA in the previous year.
What should I do if I did not receive IRS Form 1095-B?
If you did not receive IRS Form 1095-B from VA , call 877-222-VETS (877-222-8387) Monday through Friday
from 8 a.m. to 8 p.m. ET.
What is a PACT and how does it function?
A Patient Aligned Care Team (PACT) is a collaborative group that includes the Veteran, their family or
caregivers, and health care professionals who work together to plan and manage the Veteran’s whole-
person care and long-term health and wellness. The team focuses on partnerships with Veterans, access to
care through various methods, coordinated care among team members, and team-based care with Veterans
at the center. The care team typically includes the Veteran
Am I eligible for dental care?
VA provides dental care based on specific eligibility criteria and categorizes the benefits into classes. For
more information about VA dental care eligibility and the Dental Insurance Program (VADIP), call 877-222-
VETS (877-222-8387) Monday through Friday from 8 a.m. to 8 p.m. ET or visit
www.va.gov/health-care/about-
va-health-benefits/dental-care
.
What is community care?
Community care refers to health care services provided by non-VA providers in your local community.
Veterans may be eligible for community care when VA cannot provide necessary care. This care is facilitated
by and paid for by VA. Eligibility for community care is based on specific conditions and requirements and
must be authorized by VA before receiving care from a community provider.
42 | Health Care Benefits Overview 2026
Do I qualify for routine community health care at VA expense?
To qualify for routine community health care at VA’s expense, you need a written referral from VA. Factors
such as your medical condition and the availability of VA services in your area will determine whether such
care is authorized.
Am I eligible for emergency care at a community facility?
Emergency care at a community facility may be covered by VA under three main legal authorities (38 CFR
17.4020(c), 38 U.S.C. 1728, and 38 U.S.C. 1725) and specific eligibility requirements. Generally, emergency
treatment is only covered until the Veteran can be safely transferred to a VA or other federal facility.
Are there payment limitations for community emergency care?
Claims for community emergency care not preauthorized by VA must be filed in a timely manner to avoid
denial. The nearest VA medical facility should be contacted as soon as possible. Payment may not be
approved for any period beyond the point of stability, except when VA cannot accommodate a transfer to a
VA or federal facility. An emergency is deemed to have ended when a VA physician determines that stable
transfer is possible.
Please see “Emergency Care” on page 11 for more information.
Can VA pay for unauthorized community emergency care?
VA may have limited payment authority for emergency care at a community facility without prior
authorization. For payment to be approved retroactively under 38 U.S.C. 1728 or 38 U.S.C. 1725, specific
criteria must be met. Contact the nearest VA facility for guidance on emergencies not preauthorized by VA.
Does VA offer compensation for travel expenses to and from a VA facility?
Yes, VA offers travel benefits for Veterans who meet specific criteria. Refer to “Enrollment Priority Groups:
What Are They and How Do They Work?” on page 8 for details.
Why is a separate financial assessment necessary for long-term care?
The VA Form 10-10EC is designed to assess your current financial status, including expenses, to determine
eligibility for free long-term care or a reduced copayment charge based on current financial resources.
Who notifies me of my long-term care copayment requirements?
The social worker or case manager involved in your long-term care placement will provide an annual
projection of your monthly copayment charges based on available resources.
How is it determined whether VA or a private nursing home will provide my care?
Generally, if you qualify for indefinite nursing home care, it will be provided in a VA facility. Care may be
provided in a private facility under contract when there is a compelling medical or social need. If you do not
qualify for indefinite care, short-term placement in a community nursing home (not exceeding six months)
may follow an episode of VA care to help explore long-term care alternatives.
Frequently Asked Questions | 43
What assistance is available if I do not qualify for indefinite VA Community
Living Center care?
VA social workers can assist in identifying financial assistance sources and provide guidance on
Medicare, Medicaid, and other VA benefit programs.
For further assistance, call 877-222-VETS (877-222-8387) or visit the VA Health Care website at
www.
va.gov/health-care
.
Get the Smile
You Deserve with
VA Dental Insurance!
Are you a Veteran or a family member in
need of quality and affordable dental
care? The VA Dental Insurance Program
(VADIP) offers discounted private dental
insurance for eligible Veterans and their
families. VADIP covers regular check-
ups, cleanings, x-rays, and more. Sign
up today and start your journey to a
healthier, brighter smile!
Delta Dental
Customer Service:
1-855-460-3302
Text Telephone (TTY/TDD):
1-866-847-1264
MetLife
Customer Service: 1-888-310-1681
Text Telephone (TTY/TDD):
1-888-638-4863
VA Dental Insurance Program -
Quality Care, Affordable Plans, Healthy Smiles!
Learn more and enroll at
www.va.gov/health-care/about-
va-health-benefits/dental-care/dental-insurance
.
Need a Ride to
Your Appointment?
VA has got you covered!
We’re here to ensure you never miss a medical appointment, whether it’s a
approved appointment with a VA doctor or a non-VA provider. Plus, some
options are completely free and don’t require Beneficiary Travel eligibility.
Use VetRide to easily request a ride straight from your phone.
Don’t miss your appointments – get started now!
Get moving with VetRide! Schedule your ride or download the VetRide app
today by scanning the QR code or visiting
www.vetride.va.gov/app/home
.
Your convenient and reliable transportation is just a click away!
Don’t wait—make your travel plans effortlessly now!
Department of Veterans Affairs
Veterans Health Administration
Member Services
For more information on VA health care:
Telephone (toll-free): 1-877-222-VETS (8387)
Website: www.va.gov/health-care/
To download a copy of this brochure, go to:
www.va.gov/healthbenefits/resources/epublications.asp
IB 10-185
Revised March 2026