VA Sierra Pacific Network (VISN 21)
Billing & Insurance
The Consolidated Patient Account Centers (CPAC) are committed to providing our Veterans with the world-class customer service they deserve.
If a Veteran has a question about a bill they receive from the VA, wishes to apply for a waiver or a hardship exemption, or to pay a bill, the following options are available:
- In person: A Veteran can talk directly with CPAC staff based in each medical center. To find out where CPAC staff are located, the Veteran may inquire at the medical center information desk, operator, or the facility information line. Veterans who wish to make a payment on their account may do so at the medical center’s agent cashier’s office.
- By phone: Veterans may direct their questions to the national contact center for Veterans, operated by the Health Resource Center, at 1-866-400-1238 for billing assistance. Contact representatives have full access to Veteran accounts.
- Online: Veterans who would like to pay their patient copayment balance by credit card or check may do so at www.pay.gov.
- By mail: Veterans who wish to pay their bill by mail may do so by sending their payment to the address on the billing statement.
Private Health Insurance
Private health insurance coverage through a Veteran or Veteran's spouse is insurance provided by employer, Veteran or other non-federal source.
VA health care is not considered a health insurance plan.
VA is required to bill private health insurance providers for medical care, supplies and prescriptions provided for treatment of Veterans' nonservice-connected conditions. Generally, VA cannot bill Medicare, but can bill Medicare supplemental health insurance for covered services.
All Veterans applying for VA medical care are required to provide information on their health insurance coverage, including coverage provided under policies of their spouses. Veterans are not responsible for paying any remaining balance of VA's insurance claim not paid or covered by their health insurance, and any payment received by VA may be used to offset "dollar for dollar" a Veteran's VA copay responsibility.
What's in it for me for providing health insurance information?
- You will not be responsible for any unpaid balance that the insurance carrier does not pay except for VA copay.
- Payments from your private health insurance carrier may allow us to offset part or all of your copay.
- Many private health insurance companies will apply VA health care charges toward the satisfaction of your annual deductible.
Insurance Coverage and Eligibility for VA Health Care
Your insurance coverage or lack of insurance coverage does not determine your eligibility for treatment at a VA health care facility.
Risks of Giving Up Your Private Insurance
What should you do with your private health insurance if you are accepted into VA health care? You could save of money if you dropped the insurance, but there are some things you should consider.
- What about your non-Veteran family members?
- What would happen if you are disenrolled from VA's health care program?
- Do I still need Medicare Parts A and B if I receive my health care from VA?
- What would happen if you drop your Medicare Part B coverage?
VA does not normally provide care for family members of Veterans enrolled in VA's health care program. If you drop your private health insurance, they may have no health care coverage.
There is no guarantee that in subsequent years Congress will appropriate sufficient funds for VA to provide care for all enrollment Priority Groups. This could happen if you are enrolled in one of the lower Priority Groups. This would leave you with no health care coverage.
VA does not require a Veteran to have Medicare Part A or B to be enrolled in VA health care. However, a Veteran may want to consider their total health care needs before changing any insurance coverage.
If you cancel your Medicare Part B Coverage, you need to know that you cannot be reinstated until January of the following year, and you may be penalized for reinstatement.
For these reasons, VA encourages you to keep your private health insurance.