The short answer
Usually nothing, unless VA sends a letter asking for more information. If it does, add what it asks for to your existing application instead of starting over. Update the same application if your address, insurance, or school status changes. If you're approved, VA mails a welcome letter and a CHAMPVA ID card, which can take up to 6 weeks.
Do you need to do anything while you wait?
Usually not. VA's after-you-apply page says you don't need to take action unless VA sends a letter asking for more information.
A few habits help:
- Keep a copy of everything you sent, plus any confirmation, tracking number, or fax receipt.
- Watch your mail.
- Don't send the application again just because it's been a while.
What if VA asks for more information?
That isn't a denial. It means something is missing.
Add the document to your existing application online, by mail, or by fax. For mail, VA lists VHA Office of Community Care, CHAMPVA Eligibility, PO Box 137, Spring City, PA 19475.
Two tips:
- Copy both sides of any two-sided document as separate pages. VA's scanner reads one side only.
- If VA asks about other health insurance, send VA Form 10-7959c, not a new application. More here: How to report other health insurance.
What if something changes before VA decides?
Update the existing application. VA says not to file a new one for changes to:
- personal information, like your address,
- health insurance, or
- school status.
When should you file a new application?
Only in two situations, according to VA:
- You're adding a dependent. More here: How to add a new dependent.
- You were found not eligible before, and your situation has changed. For example, the Veteran was later rated permanent and total.
How do you check the status?
Call CHAMPVA at 800-733-8387. Have the applicant's and Veteran's names and Social Security numbers ready.
What happens if you're approved?
VA mails a welcome letter and a CHAMPVA ID card. VA's ID card page says the card can take up to 6 weeks after you apply. That's about the card arriving, not a promise about how long the decision takes.
When the card arrives:
- Check the effective date. If it's in the past, you may be able to file claims for older bills. You have 180 days. More here: Retroactive CHAMPVA eligibility.
- Check names and dates for mistakes.
- Start finding care. More here: How to find a provider that takes CHAMPVA.
What if you're denied?
Read the letter carefully. It should say why and how to ask for a review. Sometimes the fix is a missing document. More here: What to do if you don't qualify for CHAMPVA.