Jump to content

Spousal Health Care Options


Recommended Posts

I am rated 100% for PTSD and recently retired at 63. My wife is 62 and we are both on Social Security now that I have retired.

I am purchasing Health Insurance through my previous employer for $761.00 a month just so I can cover my wife. They will not JUST cover her, I must be on the plan too. This is through KPS Health plans. Seems awfully high to me.

Questions; Is there a better way (cheaper) to cover my spouse only?

If so, where and how do I begin the process?

Link to comment
Share on other sites


Is your rating P & T?

If you are P & T, your wife is eligible for Champva which is the best insurance she could have in my opinion. Champva has no premiums and her annual deductible would be $50.00.

If you are not rated P & T, your options are limited. Of course, when she turns 65 she will be eligible for Medicare. JMO

Good luck to you and your wife.

  • Like 1
Link to comment
Share on other sites

Yes, I am P&T

The Champva forms askes about other insurance which I DO Have now but I want to cancel. Should I tell them I do not have Insurance now even though I have not cancelled it yet/

Link to comment
Share on other sites

You should call Champva and tell them your situation. Unlike the rest of the VA, I have always found the folks at Champva to be helpful and responsive. You can reach them 24/7 at 1-800-733-8387.

In order to insure there is no lapse in your wife's coverage, she may have to complete VA form 10-7959c and report your other health insurance when she completes the enrollment forms to sign up for Champva. While she has other health insurance, Champva will be her secondary coverage. After she receives her Champva package with her ID card, you could then cancel your other coverage and notify Champva immediately so Champva will become her primary insurance. Again, discuss this with the folks at Champva in advance.

Once your wife becomes 65 she will be required by Champva to sign up for medicare part A and part B. At that time, medicare will become her primary insurance and Champva will be secondary. As long as she has no other insurance providing prescription drug coverage, she will be eligible for free Meds by mail drug coverage through Champva. Free prescriptions.

If you have any other Champva questions, let me know. You can probably also find the 2014 Champva Guide online which should answer most of your questions.

Good luck.

Link to comment
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.



  • veteranscrisisline-badge-chat-1.gif

  • Advertisemnt

  • 14 Questions about VA Disability Compensation Benefits Claims

    questions-001@3x.png

    When a Veteran starts considering whether or not to file a VA Disability Claim, there are a lot of questions that he or she tends to ask. Over the last 10 years, the following are the 14 most common basic questions I am asked about ...
    Continue Reading
     
  • Most Common VA Disabilities Claimed for Compensation:   

    tinnitus-005.pngptsd-005.pnglumbosacral-005.pngscars-005.pnglimitation-flexion-knee-005.pngdiabetes-005.pnglimitation-motion-ankle-005.pngparalysis-005.pngdegenerative-arthitis-spine-005.pngtbi-traumatic-brain-injury-005.png

  • Advertisemnt

  • VA Watchdog

  • Advertisemnt

  • Ads

  • Can a 100 percent Disabled Veteran Work and Earn an Income?

    employment 2.jpeg

    You’ve just been rated 100% disabled by the Veterans Affairs. After the excitement of finally having the rating you deserve wears off, you start asking questions. One of the first questions that you might ask is this: It’s a legitimate question – rare is the Veteran that finds themselves sitting on the couch eating bon-bons … Continue reading

×
×
  • Create New...

Important Information

{terms] and Guidelines