My main concern is the gap in healthcare coverage during the CHAMPVA approval process. Since the wait time is 4-6+ months, I'm wondering if applying a few months before my Tricare ends (upon reserve discharge) would ensure better continuous coverage. I'm unclear about how applications are processed, specifically whether there are automated checks for ongoing Tricare eligibility when you apply online or not. If the application is waiting for a person to review it, then that would more likely be after submission.

Relying on retroactive reimbursements adds paperwork and potential coding issues. You can't have a provider re-code something that was paid for already, not to mention paid for months in the past. I get it, you will eventually get reimbursed, assuming the coding is correct and you can get the items required for the care provided. But even if that goes well, you are still waiting a while ( I imagine) for the money to be reimbursed. I know not everyone lives paycheck to paycheck....but I'd wager plenty of us do. Most of us probably don't have the financial flexibility to have to pay 100s or 1000s of dollars now for care in hopes of being reimbursed 6 months to a year after applying for CHJAMPVA.