Health Care Insurance Supplement For Disabled Veterans And Family

Insurance Supplement for Disabled Veterans and Family

As a disabled veteran, you may have difficulty finding an affordable, comprehensive health insurance policy. You may also be unable to qualify for traditional health insurance, due to your disability. Fortunately, there are programs available to help veterans and their families get the health care they need. The Department of Veterans Affairs (VA) offers a range of benefits, including health care insurance supplements, to eligible disabled veterans and their families.

The VA Health Care Insurance Supplement Program (HISP) is designed to provide additional health care coverage for veterans who are unable to obtain a traditional health insurance policy. HISP provides a supplemental insurance policy, to cover the gaps in the veteran's existing health care coverage. This additional coverage is provided at no cost to the veteran and his or her family.

The program is open to veterans who have been rated at 30 percent or more disabled by the VA. To be eligible for HISP, the veteran must be enrolled in the VA health care system and must have an existing health insurance policy in place. HISP provides supplemental coverage for approved medical expenses, such as doctor visits, prescription drugs, hospital stays, and preventive care. The coverage is provided at no cost to the veteran, and the veteran's family may also be eligible for HISP coverage.

What Does HISP Cover?

HISP covers a range of medical expenses, including: doctor visits, hospital stays, prescription drugs, preventive care, and durable medical equipment. The program also covers mental health services, including counseling, psychotherapy, and substance abuse treatment. In addition, HISP provides coverage for hospice care and home health care.

The program also covers services that are not typically covered by traditional health insurance policies, such as travel costs to and from VA medical appointments. Additionally, HISP covers services that are not available through the VA health care system, such as chiropractic care and acupuncture. The program also provides coverage for dental care and eyeglasses, if needed.

Who is Eligible for HISP?

HISP is available to veterans who have been rated at 30 percent or more disabled by the VA. The veteran must also be enrolled in the VA health care system and must have an existing health insurance policy in place. The veteran's family may also be eligible for HISP coverage, if they meet the eligibility requirements.

The veteran's family must meet certain financial requirements to be eligible for HISP coverage. The veteran must have a total annual income of less than $50,000 and must have a total net worth of less than $50,000. The veteran's family must also not be eligible for Medicaid or other government-sponsored health insurance programs.

How to Apply for HISP

Veterans who want to apply for HISP must contact their local VA office. The local VA office will provide an application packet and will help the veteran complete the application process. The application packet includes information about eligibility requirements, coverage limits, and the claim process.

Once the application is completed, it must be submitted to the VA. The VA will review the application and determine if the veteran is eligible for HISP coverage. If the veteran is approved, the VA will send a confirmation letter to the veteran, along with the details of the coverage.

Conclusion

The VA Health Care Insurance Supplement Program (HISP) provides additional health care coverage for veterans who are unable to obtain a traditional health insurance policy. HISP provides supplemental coverage for approved medical expenses, such as doctor visits, prescription drugs, hospital stays, and preventive care. The program is open to veterans who have been rated at 30 percent or more disabled by the VA and is provided at no cost to the veteran and his or her family. To apply for HISP, veterans must contact their local VA office and complete the application process.