2022 AFBA Financial Planning Guide

Veterans whose illness is non–service–connected may receive support based upon income eligibility criteria. Domiciliary Care. Domiciliary care is long-term health maintenance support provided for veterans who do not need hospitalization or nursing home care. Eligibility is based upon income criteria. Outpatient Pharmacy Services. Outpatient pharmacy services are provided free of charge to: a. Veterans with a service–connected disability of 50 percent or more; b. Veterans receiving medication for treatment of service– connected conditions; and, c. Veterans whose income does not exceed the maximum VA pension. Other veterans are charged a co-payment for each 30 day supply of medication. Outpatient Dental Treatment. Outpatient dental treatment provided by the VA includes examinations, surgical, restorative, and preventive procedures. Veterans eligible to receive dental care include: a. Those who have service–connected dental disabilities for which they are receiving compensation; b. Those who have a VA disability rating of 100 percent; and, c. Those who are a former prisoner of war. Veterans who have served on active duty for at least 90 days may apply for a one–time dental treatment within 180 days of discharge from active duty. 6–7. HOME LOAN GUARANTY PROGRAM. Virtually all veterans who served on active duty during a wartime period, as well as present active duty personnel who have served at least 24 months of continuous duty (90 days, if called to active duty), qualify for home loans under the Home Loan Guaranty Program. An unmarried surviving spouse of a veteran who served during these periods and who died as a result of service–connected disabilities may also qualify for the program. Additionally, members of the Reserve and National Guard who have served a minimum of six years are generally eligible to participate. Under this program the VA provides a limited guaranty to financial institutions that agree to furnish a mortgage for the veteran’s property. This guaranty assures the institution that, should the veteran default on the loan, the VA (depending

6–6. HEALTH CARE ASSISTANCE. Eligible veterans may qualify for a number of free or low-cost health care benefits including hospital care, nursing home care, domiciliary care, outpatient pharmacy services, and outpatient dental treatment. Enrollment. To receive health care, veterans generally must be enrolled with the VA. If Congressional appropriations are limited, enrollment is based on the following priorities. 1. Veterans with service–connected conditions who are rated 50 percent or more disabled. 2. Veterans with service–connected conditions who are rated 30 or 40 percent disabled. 3. Former POWs, Purple Heart awardees, Medal of Honor recipients and veterans with service–connected conditions who are rated 10 or 20 percent disabled. 4. Veterans who are receiving aid and attendance or housebound benefits and those veterans who have been determined to be catastrophically disabled. 5. Veterans without a service–connected disability who are determined to be unable to defray the expenses of needed care. 6. Veterans seeking care for any illness associated with combat service incurred after November 11, 1998. 7. Veterans with gross household income below the geographically-adjusted income limits (GMT) for their resident location and who agree to pay co-pays. 8. Veterans with gross household income above the VA and the geographically-adjusted income limits for their resident location and who agree to pay co-pays. These priority groups are only for purposes of enrollment. The services and treatments available to enrolled veterans are not based on their enrollment priority group. Also enrollment is encouraged but is not mandatory for certain categories of veterans (e.g., service–connected disability rating of 50% or more and non–rated veterans within 12 months after discharge who want care for a condition that the military determined was incurred in the line of duty). More details on these groups can be found at www.va.gov/health-care . Nursing Home Care. Nursing home care in VA or private nursing homes may be provided for veterans who are not acutely ill and are not in need of hospital care. First priority is given to veterans who have a service–connected disability.


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