How to apply for CHAMPVA (VA Form 10-10d)

Educational information only, not medical, legal, or insurance advice. Confirm with CHAMPVA and your provider. Last checked against VA sources: October 9, 2026.

You apply with VA Form 10-10d, Application for CHAMPVA Benefits. You file it yourself, for free. No one should charge you to apply.

Three ways to apply

1. Online through VA.gov (start at the 10-10d page). You can upload supporting documents as part of the application.
2. By mail to: VHA Office of Community Care, CHAMPVA Eligibility, PO Box 137, Spring City, PA 19475 (confirm the address on the current form before mailing).
3. By fax. The fax number is listed on VA’s CHAMPVA benefits page and the form.

Checklist of supporting documents

Include what applies to you:

• Other health insurance or Medicare: copies of the front and back of each card (and your Part D card if you have one), with VA Form 10-7959c if applying by mail. See Other health insurance.
• Age 65+ and not eligible for Medicare: a “notice of disallowance” from the Social Security Administration.
• Spouses (optional, speeds processing): marriage certificate, civil union certificate, or common-law marriage affidavit.
• Children: birth certificate (optional, speeds processing); adoption papers if adopted; proof of marriage to the child’s parent for stepchildren; a school certification letter for ages 18–23.
• Newborns: get the baby’s Social Security number first, then add the child as the veteran’s dependent through a VA regional office, then apply.

After you apply

If approved, VA mails a welcome letter and a CHAMPVA ID card. VA says the card can take up to 6 weeks to arrive. VA has a page on what to do after applying, including how to send missing information.