The short answer
If CHAMPVA sends a letter or EOB asking for more information, send what it asks for, not an appeal. Online, file again and choose "A resubmission for an existing claim." By mail, send a copy of the letter plus the documents to CHAMPVA Claims, PO Box 500, Spring City, PA 19475. You have 1 year from the letter's date.
Is it a request or a denial?
| What VA says | What it means | What to do |
|---|---|---|
| Needs a document or more information | The claim is incomplete | Resubmit with what's missing |
| Needs your other insurance's EOB | Waiting on the other plan's decision | Send that EOB |
| Needs proof you paid | Can't reimburse you without it | Send a receipt or paid statement |
| Can't cover the claim and lists review rights | A real decision | Use a decision review if you disagree |
VA's family member review page says missing documents, an other insurance EOB, or proof of payment don't need a formal review.
What should you send?
Exactly what the letter asks for. Common items:
- An itemized bill with your name and birth date, the provider's name, title, and tax ID, the service address, dates, charges, quantities, diagnosis codes, and procedure codes. A balance-due statement usually isn't enough.
- Your other insurance's EOB for that claim, showing the date, provider, NPI if not on the bill, services, and amount paid. A benefit summary doesn't count.
- Proof of payment that connects to the provider and claim.
- Pharmacy records for a prescription claim, including the 11-digit NDC number. More here: CHAMPVA prescription reimbursement.
How to resubmit online
- Go to VA's CHAMPVA claim page and use the online option.
- Choose "A resubmission for an existing claim."
- Upload the missing documents.
- Make sure names, dates, and provider details match the original claim.
- Submit and save the confirmation.
How to resubmit by mail
Send a copy of the EOB or letter plus the documents to:
VHA Office of Integrated Veteran Care
CHAMPVA Claims
PO Box 500
Spring City, PA 19475
Keep copies, and use tracked mail if you can.
What's the deadline?
1 year from the date on the letter or EOB, per VA's claim page. That's separate from the original 1-year deadline to file the claim. Don't wait until the end. More here: CHAMPVA claim filing deadlines.
What if your provider has the document?
Ask them for it. VA says you can also ask VA to get it from the provider, but that takes longer.
When should you request a decision review?
Only when VA has decided it can't cover the claim and you disagree. Then follow the steps in the letter. More here: CHAMPVA dispute help.
Common mistakes
- Starting a new claim instead of resubmitting to the existing one
- Appealing before sending the missing document
- Sending a benefit summary instead of a claim EOB
- Resending the same incomplete bill
- Missing the 1-year deadline
Checklist
- You know exactly what's missing.
- Every requested document is included.
- Bills have all the codes and provider details.
- Other insurance EOBs match the same service.
- You chose resubmission online, or included the letter by mail.
- You kept copies.
- You're inside the 1-year window.