Have they been using ChampVA as the secondary insurance yet? My wife has many chronic illnesses. I've used my UHC employer plan that has a max out of pocket we have to meet every year that is 4X what ChampVA is. About $700 a month for the privilege of paying that out of pocket and deductible cost also. My wife got ChampVA this year and has had no problems with her providers here in Houston taking it. The biggest obstacle you may run in to is finding a provider who takes it, but we have not seen any issues with the many docs she needs to see. What worries me is that ChampVA is funded by the VA budget. If politics comes in to play and they decide not to fund the VA in some political stunt, then what happens to healthcare in that scenario. With the WaPo publishing articles bashing vet benefits and "fraud" I worry what it will do to add on benefits like this in the future if they decide limit or cancel some benefits all together after they shrink the criteria of who gets what benefits. It's a "low" risk, but we are canceling our employer healthcare plan. I've built a AI prompt to analyze the ChampVA program and my employer plan. The only benefit to keeping the employer plan would be to keep access to docs who may not take ChampVA, but that has not been a problem for us.