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Are there extras? If you provide only the required documents, and not the optional documents, processing can take two to eight months to confirm information with other federal agencies. Annual CHAMPVA Deductible is $50 per beneficiary or a maximum of $100 per family per year. Medigap plans core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships. CHAMPVA eligibility can be impacted by changes such as marriage, divorce from the sponsor, or eligibility for Medicare or TRICARE. Depending on the merchant, members receive between 0.5% and 20% of the retail purchase price in rewards on their purchases. See MemberShop site for specific details. TRICARE Is the Health InsuranceEmployers Need to Know. Copyright 2023 USBA All Rights Reserved. Medicare Supplement Insurance companies must report data on the premiums they collect and how much they spend to provide benefits for members. A CHAMPVA supplement may make financial sense for you if you have a chronic health condition or expect to need expensive medical care, or if you require expensive prescription drugs. For TTY device, dial 711. 2. Groups that share some commonality, such as associations, credit unions, banks, employers, and insurance companies, choose SelmanCo to administer, broker, or market their insurance products. The plan will pay your cost share for both covered inpatient and outpatient medical expenses after you satisfy the calendar year plan deductible of $250 per person . Calling the number above will direct you to a Licensed Sales Agent. Changes in status should be reported immediately. USAA does offer certain perks and discounts on products and services to its members, but these are available regardless of whether the member holds a USAA Medigap policy. insurance, payment options, etc. *Non-insurance benefits are not arranged for, provided or underwritten by Transamerica Premier. Premiums increase as a person moves from one 5-year age bracket to another (40, 45, 50, 55, 60). * After the CHAMPVA Deductible and CHAMPVA Supplement Insurance Plan Deductible have been met. Newer Medicare members cant buy these plans from any company. In general, the CHAMPVA program covers most health care services and supplies that are medically and psychologically necessary. Our dental plans cover cleanings, fillings and more at a low monthly cost. TRICARE/CHAMPVA Supplement Insurance Plan Affordable Group Rates Guaranteed Acceptance (Subject to Pre-existing Condition Limitations) 100% of Covered Excess Charges Paid Valuable Survivors' Benefit - Waiver of Dependent Premium 30-Day Free Look Offer Underwritten by Transamerica Premier, Cedar Rapids, IA, a Transamerica company and its affiliates. 2023 USAA Reviews: Medicare Supplement Insurance Our opinions are our own. For complete information, click Link to CHAMPVA Supplement. If you have additional questions about Medicare, visit. Tricare Supplement Plan | AFBA If you don't see a plan that works for you, call a licensed sales agent at On average, USAAs quoted prices for Medigap Plan A were about 49% higher than the least-expensive Plan A policy in the area. Individuals who are Medicare beneficiaries may not enroll in the CHAMPVA Supplement Insurance Plan. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. This influences which products we write about and where and how the product appears on a page. Accessed Feb 14, 2023.View all sources. Amwins Group Benefits, LLC. On average, USAAs quoted prices for Medigap Plan G were about 52% higher than the least-expensive Plan G policy in the area. USAA generally offers three Medicare Supplement Insurance plans for purchase by any Medicare member: Medigap Plan A the basic benefits included in every Medigap plan without any extras. The MILOPS Insurance Services (MIS) provides a range of affordable insurance and financial products and services to military personnel regardless of Rank, Service or Duty Status and beneficiaries. Medicare and CHAMPVA If I am eligible for Medicare, at what age am I also eligible for CHAMPVA? Select your state on USAAs website to see the Medigap plan types available in your location. CHAMPVA APPLICATION This application is for CHAMPVA Beneficiaries who are eligible but have not applied. SelmanCo is a insurance administrator specializing in reducing cost and increasing efficiency for associations, credit unions, banks, employers, and insurance companies. Take a moment now to read the details inside. 2021 Medicare Supplement Insurance Experience Reports (Market Share Percentage), Lowest & Highest Costs for 10 Major Metros, 2021 Medicare Supplement Insurance Experience Reports (Direct Premiums Earned; Direct Claims Incurred), AM Best Affirms Credit Ratings of United Services Automobile Association, Its Subsidiaries and USAA Capital Corporation, Moodys affirms USAA's Aaa financial strength rating, changes outlook to stable from negative, Do not sell or share my personal information. Name. The supplement helps these families deal with all the left over inpatient and outpatient services expenses CHAMPVA leaves behind. Coverage provided under the CHAMPVA Supplement plan for: 1) routine newborn and Well Baby Care; 2) hospital nursery charges for a well newborn; 3) dental care; 4) treatment for the prevention or cure of alcoholism or drug addiction; 5) and prosthetic devices; will be limited to those expenses covered by CHAMPVA for such care or service. First name Last name Email Phone number Optional. Company Complaint Index. The MILOPS Insurance Services (MIS) provides a range of affordable insurance and financial products and services to military personnel regardless of Rank, Service or Duty Status and beneficiaries. Depending on the merchant, members receive between 0.5% and 20% of the retail purchase price in rewards on their purchases. Prices for the same plan can vary between companies, so check to find the most competitive rates. USAA is headquartered in San Antonio, Texas. He is age 15.CHAMPVA Supplement: We can definitely help your family! USBA TRICARE Supplement Plans USBA understands that the right supplement can help protect you against the high cost of medical expenses when they exceed your TRICARE plan coverage limits. Eligible dependent and unmarried children under age 18 (23 if a full-time college student) may also enroll. How would we be reimbursed?CHAMPVA Supplement: Co-payments are paid when a claim is submitted after a deductible(s) is met (if applicable). Up to 100% of out-of-pocket costs for covered services. The program is administered by the Veterans Health Administration Office of Community Care (VHA OCC) in Denver, Colorado. Contact our Customer Care Center at 1-800-808-4514 for more information. Read more. By showing providers with higher ProfilePoints first, CHAMPVA providers listed on Doctor.com have been practicing for an average of: 28.8 year (s) Average ProfilePoints score for Providers who take CHAMPVA: 43/80. The sections below show pricing information from USAA for a 65-year-old female nonsmoker and reflect base pricing with optional discounts removed or factored out whenever the option was available. Do I Also Need CHAMPVA Supplement? Policies start at around $10/month. Any information you provided is voluntary and will not be considered in connection with a request or application for insurance products/services, and may be used by USAA for marketing and other business purposes as set forth in the USAA Privacy Promise. To be eligible for your TRICARE/CHAMPVA Supplement Insurance plan, make sure you are enrolled in the correct government health program: TRICARE website; DEERS Hotline: 800-538-9552; All TRICARE phone numbers Rates and/or benefits may be changed on a class basis. * After the CHAMPVA Deductible and CHAMPVA Supplement Plan Deductible have been met. Unmarried Dependent Children under age 18, or under 23 if enrolled as a full-time student, may also enroll. USAA is a financial services company serving current and former U.S. military members. USAAs Medigap offerings have advantages and disadvantages. Speak with us when it's convenient for you. hbspt.cta._relativeUrls=true;hbspt.cta.load(2742866, '15516a45-ed3d-4b97-9f09-7e994d7f61a6', {"useNewLoader":"true","region":"na1"}); SelmanCo is one of the largest, privately-held US life and supplemental health insurance administration firms that specializes in reducing cost and increasing efficiency for associations, credit unions, banks, employers, and insurance companies. USAA offers only Medigap Plan A, Plan G and Plan N for new Medicare members in most states, plus Plan F for those who qualify. Contact the plan for more information. A CHAMPVA supplement insurance plan wraps around your CHAMPVA insurance coverage, so that in most cases, you will obtain reimbursement for out-of-pocket expenses not paid for by CHAMPVA. The GEA membership form is included with Enrollment Form and can be added to your premium option. TRICARE supplements don't qualify as "other health insurance.", which pays first, supplemental insurance pays after TRICARE pays its portion of . Deductible: The plan will pay your cost share for both covered inpatient and outpatient medical expenses after you satisfy the calendar year plan deductible of $250 per person, $500 family maximum. Note 2021 Medicare Supplement Insurance Experience Reports (Market Share Percentage). In 2021, USAAs annual revenue was $37.5 billion. Quarterly Rate with First Year Discount | Base Rate, Frequently Asked Questions About Insurance Policies, Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA). Lowest Cost High-Deductible Plan G: Humana. Call a CHAMPVA Supplement Insurance Plan Specialist at 888-214-0794. Customer Notification: About Your Supplement Insurance - SelmanCo Fact Sheet 01-03: Instructions for CHAMPVA Applicants. USAA Medicare Supplement Insurance pros and cons, Available Medicare Supplement Insurance plans, USAA Medicare Supplement Insurance service area, USAA is a financial services company serving current and former U.S. military members. Expenses incurred to satisfy the CHAMPVA Calendar Year Outpatient deductible cannot be used to satisfy the CHAMPVA Supplement Plan deductible. Hours of operation Schedule a call Getting Medicare coverage 196 0 obj <>/Encrypt 169 0 R/Filter/FlateDecode/ID[<78224F023A38844E8F68BF1BB5EB3DFD><7CB7043B5D6EA74A974BB43540785DE9>]/Index[168 51]/Info 167 0 R/Length 117/Prev 147276/Root 170 0 R/Size 219/Type/XRef/W[1 2 1]>>stream The USBA CHAMPVA Supplement Plan, combined with your CHAMPVA benefits, provides the added protection you may need when a serious covered accident or sickness occurs. The Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA) is a comprehensive health care program in which the VA shares the cost of covered health care services and supplies with eligible beneficiaries. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. The supplement, like the CHAMPVA health insurance program itself, assists the spouses and dependents of 100% Service Related Disabled Veterans. USAA covers about 156,000 Medigap beneficiaries and has about a 1.2% share of the total Medicare Supplement Insurance market[0]National Association of Insurance Commissioners. After the co-payments are paid, submit the claim to be reimbursed.Customer: I recently got a prescription and CHAMPVA didnt pay any of it. The plan is designed to wrap around your current CHAMPVA benefit insurance coverage. For a TTY device, dial 711. TO THE CIVILIAN HEALTH AND MEDICAL PROGRAM OF THE DEPARTMENT OF VETERANS AFFAIRS (CHAMPVA). 100% excess charges to the legal limit** Pays 100% of Doctors Visits, Pharmacy, and Hospital Co-pays. This is according to three years worth of data (2019-2021) from the National Association of Insurance Commissioners for USAA, AM Best is a credit rating agency that specializes in the insurance industry. USAA offers additional plan types in some states. The minimum required by law for individual Medigap policies is, Members file complaints about Medicare Supplement Insurance policies from USAA half as often as the average for all Medigap plans. All rights reserved. Spouses over age 65 are also eligible if documentation from the Social Security Administration certifying their non-entitlement to Medicare Part A benefits is submitted with their enrollment form. View plans Get a quote Schedule a call from a licensed insurance agent. USAA is a financial services company serving current and former U.S. military members. Members file few complaints about USAA Medigap policies, but some competitors offer lower prices and more perks. Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up. (Note: Some Medigap prices may be higher for males.). OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, USAA Medicare Supplement Insurance 2023 Review. Many of you will nd TRICARE and CHAMPVA Supplement insurance plans to be very attractive. Add dental and vision insurance for all-around protection. His research has supported lawmakers in the Wisconsin State Legislature as well as health systems and national health authorities in the U.S. and more than 10 other countries. TRICARE Supplement Insurance - VA.org the highest-coverage option available to new Medicare members. Because USAA members have military connections, it offers tools and resources tailored for current and former service members financial issues and questions. 100% out-of-pocket costs for covered services. You must reapply to receive further benefits after your short-term plan expires. Shop your way. Health insurance companies dont always sell every plan, so check who sells the plan you want to buy in your area. The Corporate Plan Sponsor: Government Employee Association (GEA), Underwritten by: Harford Life and Accident Insurance Company, Harford, CT 06155. Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up. Website Managed by, The GEA CHAMPVA Supplemental Insurance Plan, https://www.va.gov/COMMUNITYCARE/programs/dependents/champva/index.asp, 100% out-of-pocket costs for covered services*, Pays 100% of Doctors Visits, Pharmacy, and Hospital Co-pays*, Guaranteed acceptance (subject to 6 month pre-existing condition limitation**). After the 12th month, the rates go up 11%. If you have been previously denied CHAMPVA benefits and you believe you would now be qualified, please apply following the guidelines as listed on the How to apply section. As a result, in most cases, you will obtain reimbursement for out-of-pocket expenses not paid for by CHAMPVA. for qualifying beneficiaries who were eligible to enroll in Medicare prior to 2020. You are eligible for CHAMPVA if you are under the age of . Are you the spouse or surviving spouse ofor a child ofa Veteran with disabilities or a Veteran who has died? Once CHAMPVA receives your application, they will review to be sure it is complete, and all the required forms are included. When evaluating offers, please review the financial institutions Terms and Conditions. Most popular medical specialty of providers who accept CHAMPVA: Family Doctor. Where to mail CHAMPVA Claims VA Health Administration Center CHAMPVA PO Box 65024 Denver, CO 80206-9024 Phone: 1-800-733-8387. We are proud to serve those who sacrificed and served. Have additional questions? Accessed Feb 14, 2023.View all sources. For more information about CHAMPVA, navigate theU.S. Department of Veterans Affairs,https://www.va.gov/, CHAMPVA is a health care benefits provided and administered by theDepartment of Veterans Affairs (VA), not a supplemental insurance product provided by MILOPS on any other private company. There are no fees and no annual dues involved in USBA Membership. The CHAMPVA Supplemental Insurance, is a private a supplement insurance plan, not affiliated with CHAMPVA is designed to wrap around your CHAMPVA benefit insurance coverage, so that in most cases, you will obtain reimbursement for out-of-pocket expenses not paid for by CHAMPVA. LGA receives compensation from these companies, based on the total quantity and quality of insurance coverage purchased. NEW YORK LIFE and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company. See plans in your area. Moodys affirms USAA's Aaa financial strength rating, changes outlook to stable from negative. provider's profile, including items like having a photo, a biography, USAA policies were all at least 40% more expensive than the lowest-priced alternative in quotes obtained for this review. *Most popular group level term coverage policy, We use cookies to provide the best web experience for our users. Eligible members get access to SilverSneakers LIVE online classes, On-Demand videos and thousands of fitness locations & classes. (The other 24.4% goes to overhead expenses like administrative costs, marketing, salaries and commissions.). On average, USAAs quoted prices for Medigap Plan N were about 65% higher than the least-expensive Plan N policy in the area. We believe the websites and resources we used to gather this information are reliable; however, we cannot guarantee the accuracy or timeliness of the information. If you are not a member of GEA, it is easy to become one. For additional information refer to Fact Sheet 01-03: Instructions for CHAMPVA Applicants. We believe everyone should be able to make financial decisions with confidence. Medigap Plan G the highest-coverage option available to new Medicare members. The CHAMPVA deductible is applied to the first medical or pharmacy claims processed in 2019 until the deductible is met. A stable outlook indicates that Moodys expects a low likelihood of the Aa1 rating changing over the medium term. ), For comparison, the average for all companies is 77.3%. By continuing to browse this site, you agree to this use. Shop Medicare Insurance, Medicare Advantage Plans - Humana IB-10-1459CHAMPVA. Unfortunately, if CHAMPVA does not cover your prescription, your Supplemental Plan will not either. CHAMPVA Supplement InsuranceGovernment Employees Association - GEA USA USAA means United Services Automobile Association Additional insurance plans and programs to help keep you well. AM Best Affirms Credit Ratings of United Services Automobile Association, Its Subsidiaries and USAA Capital Corporation. $250 for individual, $500 for family. Call a CHAMPVA Supplement Insurance Plan Specialist at 888-214-0794.Customer: How does the CHAMPVA Supplement work with drug co-pays?CHAMPVA Supplement: If CHAMPVA covers that prescription, we will reimburse the co-pays after your deductibles are met.Customer: Our son has been recently diagnosed as a Type 1 diabetic. This information may be different than what you see when you visit a financial institution, service provider or specific products site. All rights reserved. Benefits can vary by coverage and state. What is CHAMPVA Coverage? Do I Also Need CHAMPVA Supplement? - GEA USA A full breakdown of points can be seen Medicare Advantage Plans with Veterans in Mind | Humana By using our site, you agree to our use of cookies and our, Pediatrician (Kids / Children Specialist), Gastroenterologist (Stomach & Bowel Specialist), Otolaryngologist (Ear, Nose & Throat - ENT), Endocrinologist (Diabetes & Hormones Specialist), Physiatrist (Physical Medicine & Rehabilitation), General Practice Doctor (General Practitioner), Rheumatologist (Joints & Arthritis Specialist), Plastic, Reconstructive, and Cosmetic Surgeon, Thoracic Surgeon (Cardiothoracic Vascular Surgeon), Hepatologist (Liver, Gallbladder & Pancreas), Physician Assistants & Advanced Practice Nursing Providers, Speech, Language and Hearing Service Providers, Magnetic Resonance Imaging (MRI) Specialist, Medical Geneticist (Genetic & Hereditary Disease Specialist), Technologists, Technicians & Other Technical Service Providers. The availability and duration of a short-term health insurance plan, as well as your ability to stack plans or renew a short-term plan up to 36 months, depend on policy terms and state law. Upon confirmation of eligibility, you will receive program material that specifically addresses covered and non-covered services and supplies in the form of a CHAMPVA handbook fromU.S. Department of Veterans Affairs. Moodys Investors Service is a credit rating agency that evaluates the financial strength and creditworthiness of public and private organizations of all types. USAA has some of the health insurance industrys highest financial strength ratings, so theres little doubt that it can meet its obligations. To be eligible for CHAMPVA healthcare supplement program you and your eligible family members must reach out to CHAMPVA to verify your spouse and dependents qualify for CHAMPVA. When that is the case, if you meet all eligibility criteria, CHAMPVA will be the primary payer (unless you have other health insurance) until you return to the U.S. VA Health Administration Center CHAMPVA PO Box 65023 Denver, CO 80206-9023. Accessed Feb 14, 2023.View all sources. In May 2021, Moodys affirmed its Aa1 insurance financial strength rating and updated the rating outlook from negative to stable for USAA Life Insurance Company the USAA subsidiary responsible for Medicare Supplement Insurance, Find the right Medicare Supplement Insurance plan. %%EOF The company's financial strength and many acolytes place it atop other carriers. Here's what TRICARE Supplemental insurance pays for: Up to 100% of copayments and coinsurance for TRICARE. You must be a GEA member to enroll in the TRICARE Supplement and CHAMPVA Supplement plan. Health Insurance Coverage and Plans | USAA Our workforce of 200 professionals is headquartered in Cleveland, OH, with offices in Keene, NH and Baltimore, MD. TRICARE AND CHAMPVA SUPPLEMENT COVERAGE Helps pay your medical bills not paid by TRICARE or CHAMPVA (after you meet any applicable TRICARE or CHAMPVA plan Customer: How does the CHAMPVA Supplement work with drug co-pays? Compare USBA TRICARE Supplemental Insurance Plans Complaint rates for USAA Medigap policies are less than half the market average. You'll learn about: Product features Benefits for you and your family Contact Information Complete the form to read the PDF flyer. The CHAMPVA Supplemental Insurance Plan May Provide You Protection You May Need When A Serious Covered Accident or Sickness Occurs. In each instance where the eligible spouse requires medical attention, he or she may choose the VA health care system or coverage under CHAMPVA for his/her health care needs. This coverage is available to GEA members and their dependents only. Products | TRICARE Supplement | Group Products - SelmanCo Compare Medigap quotes from multiple Medicare supplement companies with a licensed Medicare representative before buying. Get access to the largest network of doctors through our alliance with VSP Individual Vision Plans. Why Choose TRICARE Select Supplemental Insurance Plan. CHAMPVA Supplement Insurance Plan As a result, in most cases, you will obtain reimbursement for out-of-pocket expenses not paid for by CHAMPVA.The supplement, like the CHAMPVA health insurance program itself, assists the spouses and dependents of 100% Service Related Disabled Veterans. While some competitors offer extra benefits like gym memberships or discounts on hearing aids and eyewear, USAA doesnt publicize similar extras for its Medicare Supplement Insurance policies. Were looking for insurance assistance for glucose monitors and insulin pumps. 100% coinsurance 100% out-of-pocket costs for covered services Pays 100% of doctors visits, pharmacy, and hospital co-pays Guaranteed acceptance Coverage at almost any hospital and any doctor Comprehensive coverage Our non-profit association strives to support our members through cost savings and personal service, and were proud to serve multiple generations of their families. Then enroll today to give your family the additional protection of the GEA CHAMPVA Supplement Insurance Plan that complements your CHAMPVA benefits. The company reserves the right to change premiums on a group wide basis to maintain the financial solvency of the plan. The thousands of government employees who belong to the association give GEA a strong voice to advocate for issues that impact current and former government employees. A co-pay every time. Supplemental Insurance Many military associations and private companies offer supplemental insurance policies. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Eligible Spouses and Dependent Children of a disabled veteran are eligible if they are covered by CHAMPVA and are GEA members. What are the premiums? Title 42, Part 403, Section 215. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Calling the number above will direct you to a Licensed Sales Agent. 12541. USBA is a not-for-profit 501(c)(9) association. This information is not a complete description of benefits. (The other 24.4% goes to overhead expenses like administrative costs, marketing, salaries and commissions. Average Overall User Rating for providers who take CHAMPVA: 4 (out of 5) The CHAMPVA Supplemental Insurance, is a private a supplement insurance plan, not affiliated with CHAMPVA is designed to wrap around your CHAMPVA benefit insurance coverage, so that in most cases, you will obtain reimbursement for out-of-pocket expenses not paid for by CHAMPVA. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. This plan is best for members who need an eye exam and basic glasses. We use cookies and limited processing of your personal information for our State the nature of your inquiry, the name of the beneficiary (if you are not the beneficiary), and the CHAMPVA Authorization Card number (same as your Social Security Number). He has more than 10 years of experience researching and writing about health care, insurance, technology, data privacy and public policy. Compare coverage CHAMPVA Supplement Insurance Plan USAA Life Insurance Company Medicare Supplement (MEDIGAP) Medigap plans in Choose State Below offer peace of mind. The availability and duration of a short-term health insurance plan, as well as your ability to stack plans or renew a short-term plan up to 36 months, depend on policy terms and state law. Our flyer about the TRICARE Supplement Insurance Plan can answer some of your questions. Best Overall: Mutual of Omaha. The plan will pay your cost share for both covered inpatient and outpatient medical expenses after you satisfy the calendar year plan deductible of $250 per person, $500 family maximum. Today, the company offers banking, investing, insurance and other financial services to its 13 million members. Dental, Vision, and Hearing Care Discount Benefits*. The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. It's a type of optional health insurance that helps many VA families. CHAMPVA Supplement: Covers the spouse and dependents of the disabled veteran. Overall Rating: 4.2 / 5 (Excellent) With all the additional benefits of being a USAA member, purchasing a Medicare Supplement Insurance policy will be worth it for those who qualify. You're the current or surviving spouse or dependent child of a Veteran or service member, and you're enrolled in the Civilian Health and Medical Program of the VA (CHAMPVA) Note: Insurance carriers may offer separate coverage options for dependents who aren't CHAMPVA beneficiaries. Then enroll today to give your family the additional protection of the GEA CHAMPVA Supplement Insurance Plan that complements your CHAMPVA benefits. USAA offers Medicare Supplement Insurance policies in 45 states and Washington, D.C. (USAA doesnt offer Medigap policies in Massachusetts, Minnesota, New Jersey, New York or Wisconsin.). Total number of Providers on Doctor.com who Accept CHAMPVA: Most popular medical specialty of providers who accept CHAMPVA: CHAMPVA providers listed on Doctor.com have been practicing for an average of: Average ProfilePoints score for Providers who take CHAMPVA: Average Overall User Rating for providers who take CHAMPVA.