For treatment related to a Veteran’s nonservice-connected condition, VA may bill your health insurance for medical care, supplies, and prescriptions. Health insurance can be through a Veteran or a Veteran’s spouse that is provided by an employer or other non-federal source.
VA can bill a Veterans’ health insurance if medical care is received directly through VA or through a community provider. As a result, Veterans are required to provide information to VA about health insurance coverage, including coverage provided under your spouses’ policies.
You can use a High Deductible Health Plan (HDHP) for medical care and services for nonservice-connected conditions. HDHPs are usually linked to a Health Savings Account (HSA), which can be used to pay VA copayments. VA can bill your insurance company directly or can be reimbursed using a linked Health Reimbursement Account (HRA).
There are significant benefits of having private health insurance:
- May reduce or eliminate your copayments
- Does not affect your eligibility for VA care
- Allows VA to directly bill your insurance company for nonservice-connected care
- Charges associated with your VA health care may apply toward your annual deductible. (Contact your insurance company for more information.)
- VA cannot bill Medicare or Medicaid, but may bill Medicare supplemental health insurance for covered services related to nonservice-connected care.
- VA health care is not considered a health insurance plan.