Were you told, no?
There are many misconceptions when it comes to VA health care benefits eligibility. You may have been told you're not eligible because you make too much money. Maybe a buddy told you there is an enrollment cut-off date or VA health care is only for combat veterans. If you've been told, “no,” keep reading. Many Veterans are surprised to learn they are eligible for VA health care benefits.
Eligibility for VA health care
Veterans may be eligible for VA health care based on a service-connected disability, service history, or because they were exposed to toxins or other hazards while serving our country. Some Veterans may be eligible based on income.
Basic Eligibility Requirements
To receive VA health care benefits under income eligibility, disability rating or toxic exposure ALL Veterans must meet these BASIC eligibility requirements:
- You served in the active military, (including as member of activated reserve unit) naval, or air service and didn’t receive a dishonorable discharge.
SOME veterans must also meet time-in-service requirements:
You must have served 24 continuous months or the full period for which you were called to active duty, If you served after September 7, 1980 or entered active duty after October 16, 1981, unless:
- You were discharged for a disability that was caused—or made worse—by your active-duty service, or
- You were discharged for a hardship or “early out".
There is no minimum time-in-service requirement for service members who served on active-duty service before September 7, 1980.
Current or former member of the Reserves or National Guard are only eligible if:
- You were called to active duty by a federal order and completed the full period for which you were called or ordered to active duty.
- Active-duty status for training purposes would not count for VA Health Care eligibility.
Income-based Eligibility
If you’re not eligible for VA health care based on other factors, like a service-connected disability for which the VA is compensating you or toxic exposures identified through a VA Health Care Toxic Exposure Screening, you may still be eligible based on your income. Income eligibility is determined by your income, family size and where you live.
- Find out if you are income-eligible for are for VA health care
Toxic Exposure Eligibility
Veterans who meet time in active-duty service requirements, did not receive a dishonorable discharge and who were exposed to toxins and other hazards while serving our country—at home or abroad - are eligible for VA health care under the Promise to Address Comprehensive Toxics (PACT) Act. This includes all Veterans who served in the Vietnam War, Gulf War, Iraq, Afghanistan, or any other combat zone after 9/11 or at Camp Lejeune between Aug. 1, 1953, to Dec. 31, 1987.
Eligibility Myths
I make too much money
Fact: While income is one way that Veterans may be eligible for health care, it is not a consideration for Veterans who are otherwise eligible through a service-connected VA disability or toxic exposure determination.
Source: Healthcare Eligibility
It’s been too long since I left the military.
Fact: The eligibility for VA healthcare is not solely determined by the time since separation from the military. Veterans are generally eligible if they served in the active military, naval, or air service and were discharged under conditions other than dishonorable.
Source: Healthcare Eligibility
I never deployed, so I am not eligible for VA healthcare.
Fact: Deployment is not a requirement for VA healthcare eligibility. Veterans who served in the military and were discharged under conditions other than dishonorable are generally eligible for VA healthcare. The length and location of service may affect eligibility for certain benefits, but it doesn't exclude veterans from healthcare services.
Source: Healthcare Eligibility
I will be taking the place of someone that needs the care more than me.
Fact: The VA is designed to serve all eligible Veterans who meet the criteria for healthcare. There is no need for Veterans to feel they are taking the place of someone else. The VA is committed to providing comprehensive healthcare to all eligible Veterans, and resources are allocated to accommodate the healthcare needs of the Veteran population.
Source: Healthcare Eligibility
I’ll have to give up my private insurance
Veterans who are eligible for VA Health Care benefits may receive care at the VA with or without private insurance. The VA will submit a claim to private insurers for health care services, anything that is not covered by private insurance will be paid by the VA, except for any applicable co-pays that a Veteran may be responsible for depending on the Veteran’s VA Health Care Priority Group.
Source: Healthcare Eligibility
VA health care is only for combat Veterans.
Fact: VA healthcare is available to all eligible Veterans, not just those who served in combat. Eligibility is based on factors such as length of service, discharge status, and other considerations, including service-connected disability, exposure to toxins and income.
Source: Healthcare Eligibility
I never deployed so I’m not eligible
Fact: Deployment is not a requirement for VA healthcare eligibility. If you served on active-duty military and were discharged under conditions other than dishonorable, you are eligible for VA healthcare with a VA service-connected disability. You may also be eligible for healthcare due to your exposure to toxins or hazardous chemicals. Read about the PACT Act and your benefits. Veterans may also receive VA health care based on income.
Source: Healthcare Eligibility
I don’t have a service-connected disability, so I’m not eligible for health care
Fact: VA healthcare is not exclusively for Veterans with service-connected disabilities. While service-connected disabilities may affect the level of benefits a Veteran receives, VA healthcare services are available to all eligible Veterans, regardless of whether they have a service-connected disability.
Source: Healthcare Eligibility
VA Myths
You may have heard things about VA that have kept you from enrolling for care. It's important for Veterans to stay informed about the latest developments in VA health care and take advantage of the resources available to them. Always refer to official VA sources for the most accurate and up-to-date information.
VA healthcare is substandard compared to private healthcare.
Fact: The VA is committed to providing high-quality healthcare to Veterans. According to the VA, in many studies, VA care is shown to be as good as or better than care in the private sector. The VA has made significant improvements in recent years, and various quality measures are in place to ensure Veterans receive excellent care.
Source: VA Comparison Data
Veterans face long wait times for appointments.
Fact: While wait times have been an issue in the past, the VA has implemented initiatives to reduce wait times and improve access to care. The VA provides transparent data on wait times, and efforts are ongoing to streamline the scheduling process. Veterans with urgent needs are prioritized for quicker appointments.
Veterans must travel long distances for care.
Fact: The VA has been expanding its network of community care providers to increase access for Veterans, especially in rural areas. The MISSION Act, implemented in 2019, allows Veterans to receive care from approved community providers when VA services are not readily available.
Source: Community Care
VA facilities are outdated and lack modern technology.
Fact: The VA has invested heavily in modernizing its facilities and adopting cutting-edge medical technologies. Ongoing efforts include infrastructure improvements and the implementation of electronic health records to enhance the overall healthcare experience for veterans.
Source: VA Modernization
Patient registration (admissions)
Whether you moved and need to change your medical center or need a primary care provider in the area, we can help get you registered at VA Indiana health care. Call us or come by one of our offices.
Richard L. Roudebush VA Medical Center
Health Benefits Unit (HBU), just inside Atrium entrance
Map of Indianapolis campus
Phone: 317-988-4310
Hours: 8:00 a.m. - 4:30 p.m., Monday through Friday
Not yet enrolled in VA health care?
You need to be enrolled in VA health care before you can make appointments and receive care at a VA Indiana health care facility.
Learn about VA health care benefits and eligibility
Apply online, by phone, or by mail
We’ll walk you through how to get started. You can apply at your own pace, and save your application and go back to it when it’s convenient for you.
Apply online, by phone, or by mail
Apply in person
We can help answer any questions you may have. We can also accept your completed application at our patient registration office for processing.
Fill out an Application for Health Care Benefits (VA Form 10-10 EZ) and bring it with you to our patient registration office at the Indiana campus.
What to bring with your health care application
To get a faster decision on your application, bring these documents and information with you:
- Copies of your DD214 or other discharge documents
- Copies of any VA disability award letters you may have
- Your income information from the previous calendar year, if you have a 0% VA disability rating or if you’re a non-service-connected Veteran
- Copies of your current ID cards for any other types of health coverage you may have (like Medicare, Medicaid, TRICARE, or private health insurance)