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CHAMPVA relates to VA medical care and is offered through VA channels. TRICARE is medical insurance offered to active duty and retired military, and their families, for use when it is not practical for them to receive their medical care at military medical facilities. But military medical care and the VA are two separate systems. The VA does not for active duty or retired military, and the military medical facilities do not treat veterans unless they are retired.

Any mental disorder that you gained in the military will get you va compensation. They rate you anywhere from 0 to 100 percent disabled. They also give you special monthly compensation in addition to va compensation under certain circumstances. If you have one condition at 100 percent and others adding up to 60 percent, you get special monthly compensation S. That's an extra 300 to 400 per month. If you qualify for Aid and Attendance, you get another 700 to 2000 in addition to your regular compensation. For aid and attendance for mental health, you'll likely qualify for special monthly compensation L which is an extra $700 per month. Bear in mind, to get aid and attendance, your regular compensation for a mental disorder should be high. However, I've seen it as low as 30%. Mental disorder ratings are 0%, 10%, 30%, 50%, 70%, 100%. 100% schedular is hard to get, but 100% TDIU isn't as bad. Also, being rated permanent and total disabled has benefits like CHAMPVA health insurance for your family, free college for your wife and kids, and a pension for your wife called DIC when you die.

I have to disagree with Mr. Caplan. I worked a full-time job and all I did was pursue payment of denied claims. Medicare, Medi-Caid, private insurance (Blue Cross, Aetna, Blue Shield, ChampVA, VAetc), Worker’s Comp and any other insurance you can think of.Medicare denies claims for various reasons, usually they need proof of medical necessity. I spent a lot of time copying records and writing letters of need. Fortunately, Medicare has a clear cut process for requesting payment.Medi-Caid is a free-for-all. They deny things for eligibility, medical necessity and even procedures that are deemed as necessary for only one gender (a male had breast cancer and it took me forever to get his mastectomy paid because Medi-Cal insisted that only females could have that procedure).Work Comp was a pain because they haven’t updated their fee schedule and procedure codes since the 1970’s. So, any new procedures done since their last schedule have to be authorized before reporting (think of a Cardiac Catheterization aka Angiogram. Work Comp didn’t have that on their fee schedule so we had to keep resubmitting it until they paid it.) Also, WC has to have a medical report attached to every claim. No electronic billing for you.Also, insurance companies never admit it, but sometimes they will deny claims for the slightest thing. A wrong comma in a name, 2 digits instead of 4 for the birth date. The dirty little secret is that they get millions of dollars in interest for their money sitting in the bank 1 more day instead of paying the claim. Or they wait 29 days to pay it when their contract says they have up to 30 days to pay. Gotta wait it out on that one.So, yes, insurance can deny a claim. If your doctor’s office participates in your insurance plan, it is up to them to have it reprocessed for payment. If it continues to get denied, it’s up to them to write it off, not for you to pay.If they don’t “take” your insurance and you are awaiting reimbursement from your insurance and they refuse payment, it’s up to you to deal with them. However, there should be someone at your doctor’s office who can help you. If they refuse or “don’t have time” talk to your dr. He’ll get on their ass about it. Your job is to help patients, not be some kind of “Let them eat cake” Queen.