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Health Insurance and the VA

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Health insurance does not play a role in eligibility for health care at a Veterans Administration facility. 

The VA will ask if a veteran has insurance to provide the information. Providing insurance information does not impact eligibility for benefits at the VA nor does it impact your insurance benefits. The VA is required by law to bill your insurance company for the cost of non-service connected care provided by them. Your insurance company will not penalize you for services paid for at a VA facility. The VA will not refuse care because you have insurance. Having insurance will restrict your ability to receive emergency care outside the VA for a non-service connected illness or injury however.

Providing health insurance information may offset some of your costs for VA health care including copays. The requirement to pay copays is determined by the veteran’s enrollment priority and service connected status for the care being received.

Veterans may continue to utilize VA health care once eligible for Medicare. VA health care is considered credible coverage for Part D. Veterans do need to enroll in Part B coverage to prevent a penalty as the VA is not credible coverage for Part B. 

The Affordable Health Care Act (ACA), commonly called Obama Care, requires that everyone has insurance coverage to prevent a penalty. The VA is considered credible coverage under the ACA. Veterans who are registered in the VA health care system do not need to purchase health insurance to be in compliance with the law.

Veterans or caregivers having difficulty accessing VA health care benefits can call our experienced firm for assistance.

"I was happy Veterans Law Group was able to work through the VA bureaucracy to obtain my new rating."

  • Royal W.|Yankee Hill, CA

    $40,199

"Although it took a while for the result to come out, VLG was able to accomplish my expectations for a 100% rating. Due to complex medical issues, I appreciate the care you took so I did not have to appear personally in the VA local office or VA court. I am quite satisfied. I feel I am not shortchanged anymore."

  • Valued Client|Perris, CA

    $25,039

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"I was happy Veterans Law Group was able to work through the VA bureaucracy to obtain my new rating."

  • Royal W.

    Yankee Hill, CA

$40,199