CHAMPVA (Civilian Health and Medical Program of the Department of Veterans Affairs) provides health insurance coverage to eligible dependents — spouses and children — of veterans who are 100% permanently and totally (P&T) disabled, or who died from a service-connected condition. CHAMPVA covers 75% of most healthcare costs with no monthly premium.
⚡ Quick Eligibility Calculator
Check each row — all must be met to qualify. Hover a row for verification guidance.
| Requirement | You qualify if… | How to verify |
|---|---|---|
| Veteran sponsor rating | Sponsor must be 100% P&T disabled OR died from service-connected cause | VA award letter confirming P&T status |
| Dependent status | Eligible spouse (married or former surviving spouse) or child under 23 in school | Marriage certificate, birth certificate, school enrollment |
| No other federal coverage | Not entitled to Medicare Part A (or enrolled in Medicare B) | Medicare entitlement documentation |
| Not TRICARE eligible | Dependents eligible for TRICARE cannot use CHAMPVA | TRICARE eligibility check at DEERS |
| Enrollment required | Must actively apply — not automatic | VA Form 10-10d (CHAMPVA Application) |
Washington-Specific Programs & Advantages
Washington Veterans Benefits Beyond the Federal Programs
- Washington Workfirst Veterans Program — employment assistance and retraining
- Operation Recognition — High School Diplomas for WWII/Korean War veterans
- WDVA Veterans Estate Management Program — financial management for vulnerable veterans
- Washington State Veterans Cemetery in Medical Lake (free burial)
Property Tax Note for Washington Veterans
Washington State provides a property tax exemption for veterans rated 80% or higher with a service-connected disability. The exemption amount is based on income and can provide a full or partial reduction in property taxes.
Who to Contact in Washington
For CHAMPVA claims assistance in Washington, contact the Washington State Department of Veterans Affairs (WDVA). They provide free, accredited claims help to veterans at no cost.
Apply for the property tax exemption with your county assessor by December 31 for the following tax year. WDVA's field offices and accredited claims agents provide free VA claims assistance.
How to Apply for CHAMPVA
Application Process
Processing time: 60–90 days for initial enrollment decision
Apply online: VA.gov — CHAMPVA →
Required Documents Checklist
- VA Form 10-10d (Application for CHAMPVA Benefits)
- Copy of the veteran's VA award letter confirming 100% P&T
- Marriage certificate (for spouse applicants)
- Birth certificate (for children)
- School certification (for children ages 18–23)
- Medicare documentation (if applicable)
Securely Store Your Records in the Benefit Bunker
Benefit Bunker is a Progressive Web App (PWA) — install it on your phone or computer for offline access. Store your DD-214, C&P exam results, rating decision letters, and VA correspondence directly in your Bunker. Available at your VA appointment even without Wi-Fi.
Add to Home Screen — Free, No Account →Frequently Asked Questions
What healthcare costs does CHAMPVA cover for veterans' dependents in Washington?
CHAMPVA covers 75% of most inpatient, outpatient, pharmacy, mental health, and preventive care costs after a $50 individual / $100 family annual deductible. The program has a catastrophic cap of $3,000/year. There is no monthly premium. Dependents in Washington can use any CHAMPVA-accepting provider nationwide — the program is not limited by state.
Does my spouse automatically qualify for CHAMPVA if I'm rated 100% P&T in Washington?
No — CHAMPVA enrollment is not automatic. You must actively apply on behalf of each dependent using VA Form 10-10d. However, once enrolled, coverage is retroactive to the application date. Veterans in Washington rated 100% P&T should apply immediately — the average household saves $12,000–$25,000 annually on health insurance premiums and out-of-pocket costs.
Can my dependent child continue CHAMPVA coverage in college in Washington?
Yes — dependent children are eligible for CHAMPVA through age 23 if they are enrolled full-time in an accredited school. They must submit school enrollment certification to VA annually. There is no geographic restriction — a child attending college anywhere in the U.S. (or abroad at eligible schools) maintains Washington-based CHAMPVA enrollment.