For CHAMPVA families: spouses, survivors, and children of disabled veterans
Find doctors who accept CHAMPVA near you
The VA does not publish a CHAMPVA provider list. We do. Search 3,388,151 Medicare-accepting providers, because providers who take Medicare can bill CHAMPVA, and Medicare hospitals must accept it.
Search CHAMPVA doctors by state, city, and specialty
Every result is a real practice location from the federal NPPES registry, with a street address and a local phone number. Choose your state, add a city or a specialty, then call with the 20-second script to confirm CHAMPVA.
How it works
Search your city
Every provider we list has a verified practice address from the federal registry, and providers who accept Medicare can bill CHAMPVA. Filter by specialty or name.
Call with our script
Front desks often do not know CHAMPVA. Our word-for-word script gets your question to the billing office, where the answer is usually yes.
Confirm and go
Confirm they accept CHAMPVA and the allowable amount. Then your share is just 25 percent of Medicare-level rates after a $50 yearly deductible.
Your 25 percent: what it costs and how to cover it
CHAMPVA pays 75 percent. You pay 25 percent after a $50 yearly deductible, and your family's total is capped at $3,000 a year. If you are under 65 and see doctors often, a CHAMPVA supplement plan can pay that 25 percent for a monthly premium, starting around $36 a month at the USBA plan's published rates. If you rarely see a doctor, a supplement usually costs more than it saves.
Compare supplement plans and prices Check a bill you already got
ChampvaDoctors.com is not paid by any supplement plan.
The one rule every CHAMPVA family should know
CHAMPVA has no network. Providers who accept Medicare can bill CHAMPVA, and Medicare hospitals are required to accept it.
That single rule turns "nobody takes CHAMPVA" into millions of options. CHAMPVA pays at rates tied to Medicare, so accepting it costs a Medicare practice nothing extra. Most offices that hesitate simply have not heard the program's name before.
Is there a CHAMPVA in-network provider list?
No, and that is good news. CHAMPVA has no network at all. In the VA's own words, "there's no specific network of CHAMPVA providers." Any licensed provider who agrees to bill CHAMPVA can treat you, and hospitals that accept Medicare are required to accept CHAMPVA. So the in-network provider list families search for does not exist as a network directory. What exists is the Medicare-accepting world of medicine, which is most doctors in America, and this site indexes it by state, city, and specialty.
Three pages answer the questions that come next: can you go to any doctor with CHAMPVA, does CHAMPVA require a referral, and the CHAMPVA phone numbers and claims address for you and for your doctor's billing office.
CHAMPVA provider list by state
Browse by specialty
What CHAMPVA covers for each specialty, what needs approval, and a provider search with the specialty already selected.
Plain-English CHAMPVA guides
How to Find a CHAMPVA Provider Near You
Step-by-step guide to finding doctors that accept CHAMPVA. Learn the Medicare rule, what to say when you call,...
Read guideCan You Go to Any Doctor With CHAMPVA?
CHAMPVA has no network, so which doctors can you actually see? The real rules on choosing doctors, hospitals, ...
Read guideHow Much Does CHAMPVA Cost in 2026?
What CHAMPVA costs in 2026: no monthly premium, a $50 per person outpatient deductible ($100 per family), 25 p...
Read guideThe Pros and Cons of CHAMPVA, Honestly
The real strengths and drawbacks of CHAMPVA coverage: $0 premiums and a $3,000 cap on the plus side, provider ...
Read guideWho Qualifies for CHAMPVA?
Who qualifies for CHAMPVA: spouses, surviving spouses, and children of 100% permanently disabled or deceased s...
Read guideCHAMPVA Supplemental Insurance, Explained Honestly
CHAMPVA supplement plans pay your 25% cost share. The real plans (USBA, GEA, VFW), their published prices by a...
Read guideCHAMPVA vs TRICARE: What Is the Difference?
CHAMPVA and TRICARE are completely different programs. Which one your military family has, what each covers, a...
Read guideHow CHAMPVA Works With Medicare
Turning 65 with CHAMPVA? You keep it, but you must enroll in Medicare. How CHAMPVA pays second, what it covers...
Read guideMeds by Mail: The Free CHAMPVA Pharmacy Benefit
Meds by Mail sends CHAMPVA beneficiaries maintenance medications free: no copay, no deductible, no cost share....
Read guideCHAMPVA Mental Health Coverage, Explained
CHAMPVA covers therapy, psychiatry, and substance use treatment. Which mental health providers can bill CHAMPV...
Read guideDoes CHAMPVA Require a Referral to See a Specialist?
No. CHAMPVA does not require a referral to see a specialist. What the VA actually says, the short list of serv...
Read guideCHAMPVA Phone Numbers, Claims Address, and Payer ID
Which CHAMPVA number to call for what, with hours: the main line, the 24-hour provider eligibility line, preau...
Read guideYour CHAMPVA EOB, Line by Line
Your CHAMPVA EOB says one number and the doctor's bill says another. Here is what every column means, how to c...
Read guideWhen a Doctor Takes Medicare but Refuses CHAMPVA
Medicare-participating hospitals must accept CHAMPVA, but an individual practice can still say no. Why offices...
Read guideHow to Apply for CHAMPVA
A step-by-step CHAMPVA application walkthrough: VA Form 10-10d, the documents to attach, applying online inste...
Read guideCHAMPVA for Children
CHAMPVA covers a child to 18, or to 23 while enrolled in school with a yearly certification letter. Not to 26....
Read guideCHAMPVA Denied a Claim. What Now?
Most CHAMPVA denials are a paperwork problem, not a decision. How to read why it was denied, what to resubmit,...
Read guideCHAMPVA and Medical Equipment
CHAMPVA covers durable medical equipment your provider prescribes, but equipment priced at $2,000 or more need...
Read guideWhat Is CHAMPVA? Start Here
CHAMPVA is VA health coverage for spouses, survivors, and children of disabled or deceased service-connected v...
Read guideHow to Bill CHAMPVA: A Guide for Billing Offices
Payer ID 84146, no contract to sign, pays like Medicare, one year to file. What a billing office needs to bill...
Read guideAre you a provider who accepts CHAMPVA?
703,000+ CHAMPVA beneficiaries have no official directory. Families check this site when choosing a doctor. Claim your free listing, or get featured at the top of your city.
"You carried the weight while they served. CHAMPVA is the country carrying some of it back."
Built for the spouses, survivors, and children of America's disabled veterans
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One email with the phone script, the cost table, and the five rules that protect your eligibility. Then occasional updates when benefits change. No spam, unsubscribe anytime.
Common questions
How do I find a doctor that accepts CHAMPVA?
CHAMPVA has no network, and providers who accept Medicare can bill CHAMPVA. Search our directory of Medicare-accepting providers by state and city, then call the office to confirm CHAMPVA before your visit.
Is there an official CHAMPVA provider directory?
No. The VA does not publish one. ChampvaDoctors.com fills that gap by indexing more than 3.3 million providers from the public CMS registry and teaching you exactly how to confirm acceptance by phone.
What does CHAMPVA cost to use?
There are no premiums. You pay a $50 yearly outpatient deductible per person ($100 family max), then 25 percent of the allowed amount for covered care, capped at $3,000 per family per year.
Who is eligible for CHAMPVA?
Spouses, surviving spouses, and children of veterans who are permanently and totally disabled from service-connected conditions, or who died from service-connected causes or in the line of duty, when not eligible for TRICARE.
Do I need a referral to see a specialist with CHAMPVA?
No. CHAMPVA does not require referrals, and the VA says approvals for specialist visits and diagnostic tests are not needed when care is medically necessary. Only a short list of services, such as inpatient mental health care and organ transplants, needs preauthorization.