Each May, Americans come together to honor the brave men and women who gave their lives in service to our country. For military families, Memorial Day is a time of remembrance—but it’s also a time to reflect on the ongoing challenges faced by those left behind.
One way to help support military families is by understanding and utilizing supplemental insurance options, such as the TRICARE Supplement Insurance Plan and the CHAMPVA Supplement Insurance Plan offered through SelmanCo.
The Reality for Military Families
Military families face a unique set of circumstances. Frequent moves, deployments, and transitions between active duty and civilian life can make navigating health coverage more complex. While TRICARE and CHAMPVA provide essential coverage for eligible service members, survivors, and dependents, neither covers everything. That’s where supplemental insurance comes in.
What Is TRICARE Supplement Insurance?
A TRICARE Supplement Insurance Plan helps fill the coverage gaps that TRICARE leaves behind. It works alongside TRICARE to cover out-of-pocket costs like the following:
- TRICARE cost-shares
- Deductibles
- Prescription drug copayments (including medications like Ozempic and Humira)
- Hospital stays
Learn more at selmanco.com/tricare-supplement.
What About CHAMPVA?
For families of veterans who were permanently disabled or who died in the line of duty, CHAMPVA (the Civilian Health and Medical Program of the Department of Veterans Affairs) provides essential medical benefits. However, CHAMPVA still leaves beneficiaries responsible for certain cost-shares and deductibles.
A CHAMPVA Supplement Insurance Plan can help cover these costs, offering peace of mind for surviving spouses and children.
You can learn more about CHAMPVA Supplement options at selmanco.com/champva-supplement.
How Supplemental Insurance Supports Military Families
On Memorial Day, we remember that honoring sacrifice means more than just words—it means real support. Supplemental insurance can provide meaningful assistance in several ways:
- Financial Peace of Mind
TRICARE and CHAMPVA Supplements can reduce out-of-pocket medical expenses, allowing families to focus on healing rather than worrying about unexpected bills.
- Consistent Coverage During Life Transitions
Whether transitioning from active duty, experiencing the loss of a loved one, or adjusting to civilian life, supplemental coverage provides stability and continuity in health care.
- Greater Provider Flexibility
Supplemental plans help families afford to see preferred doctors and specialists without being restricted to a narrow network or facing high costs.
Why Employers Should Care Too
Employers who hire veterans, military spouses, or surviving family members can make a powerful impact by offering voluntary TRICARE or CHAMPVA Supplement plans. It’s a meaningful way to honor their sacrifice and support their ongoing health needs.
If you’re an employer or broker interested in offering TRICARE or CHAMPVA Supplement coverage, learn more here.
Honoring Families Every Day
This May, while we remember those who gave everything for our freedom, let’s also recognize and support the families who continue to carry on. Whether it's a military widow finding her new normal, a spouse navigating the VA system, or a child growing up in the shadow of sacrifice, they all deserve our support.
Visit SelmanCo’s TRICARE Supplement Insurance page or CHAMPVA Supplement Insurance page to explore your options or get started.
