Learn About Health Insurance Options for Veterans

Options for government and private health care for separated troops

Active-duty individuals are not required to pay for medical care, but civilians are. When leaving the military, you should plan ahead to guarantee that you and your family have continuous health care coverage. 

 

The Transitional Assistance Management Program (TAMP) can provide you with assistance for up to 180 days.

After your usual TRICARE benefits expire, this program gives about six months of premium-free TRICARE insurance benefits. Military dependents are also eligible for coverage, providing veterans time to adjust to civilian life and investigate their healthcare options.

The Program for Continuing Health Care Benefits (CHCBP)

This program can provide temporary health care for 18-36 months after you lose TRICARE or TAMP eligibility, but you must pay premiums, unlike TAMP. CHCBP offers the same benefits as TRICARE Select, including prescription coverage.

Coverage provided by a civilian employer

As you hunt for a career following your service, inquire about the health insurance benefits that prospective employers provide. Although it is a vital component of your entire pay package, not all companies are compelled to give it.

You might find yourself with a decision between a lower-paying job that provides health insurance and a higher-paying job that does not. In such circumstances, before rejecting lower-paying employment, evaluate the worth of health benefits: health insurance premiums for a family can cost $2,000 or more per month.

 

The VA provides health treatment.

Veterans who have been separated from their families are eligible for medical care from the Veterans Administration (but not their family members). It’s critical to remember that the VA is a hospital system that offers actual medical care, not health insurance.

While the VA is required to offer health care for any service-related illness or injury, additional care is not always free. Each veteran’s medical benefits package is unique: copays – flat payments per treatment or operation – are levied depending on your priority group and the type of care required.