Guide
Do hospitals have to take CHAMPVA and TRICARE?
For hospital stays, yes. A federal rule says a hospital that takes Medicare must also accept CHAMPVA and TRICARE when you’re admitted. You don’t need Medicare yourself; the rule is about the hospital.
The rule
Under federal law (42 CFR 489.25), a hospital that takes part in Medicare must also take part in CHAMPVA and TRICARE for inpatient care. It has to accept the plan’s allowed amount as payment in full, apart from your deductible and cost share.
What it covers, and what to check
- Covered by the rule: a stay where you’re admitted to the hospital.
- Check first: an ER visit where you go home the same day, outpatient tests or surgery, and the hospital’s own clinics. VA’s CHAMPVA FAQ says hospitals and hospital-based providers that take Medicare must also accept CHAMPVA, but the rule itself is written about inpatient care, so it’s worth confirming with the billing office before a planned visit.
- TRICARE Prime: a planned admission may need a referral or approval first. In an emergency, go to the nearest emergency room.
How this shows in the directory
Hospitals on the federal list of Medicare-certified hospitals are marked Required for hospital stays. Once a hospital answers us directly, it shows as Confirmed instead. See the hospitals.
Sources
- 42 CFR 489.25 (Electronic Code of Federal Regulations)
- VA: CHAMPVA frequently asked questions
- TRICARE: Referrals and pre-authorizations
Last reviewed October 29, 2026.