Healthcare isn't optional after service—it's foundational. Your physical and mental health affect everything: your relationships, your career, your daily functioning, your ability to build the civilian life you want. Ignoring health issues doesn't make them disappear. It lets them compound.
This guide covers the practical reality of healthcare and mental health support for veterans—how the systems work, what challenges you might face, how to access help, and why taking care of yourself isn't weakness. It's strategy.
Why This Matters in Transition
In the military, healthcare came to you. Medical was on base. Annual physicals were mandatory. Mental health support was available through military channels. You didn't have to navigate insurance, find providers, or figure out coverage—the system handled it.
Civilian life puts you in charge. Understanding your options, enrolling in programs, finding providers, managing appointments—it's all on you. Veterans who establish healthcare early avoid the scramble of dealing with problems without support systems in place.
Understanding Your Healthcare Options
Veterans have several pathways to healthcare:
VA Healthcare System
The VA operates one of the largest healthcare systems in the country. It provides comprehensive care including primary care, specialty services, mental health, and prescription coverage. Cost depends on your priority group, which is determined by service-connected conditions, income, and other factors. Many veterans pay nothing or minimal copays.
VA Community Care
When VA facilities can't provide timely care or you live far from VA services, Community Care lets you see civilian providers paid by the VA. This expands access significantly, especially in rural areas or for specialized services.
Employer Insurance
Many veterans use employer-provided health insurance, either alone or alongside VA care. Having both gives flexibility—use civilian providers for convenience, VA for specialized veteran care or cost savings.
TRICARE (for some)
Retirees and some disabled veterans retain TRICARE eligibility. Understanding how TRICARE coordinates with VA care and civilian insurance helps maximize coverage.
Enrolling in VA Healthcare
VA healthcare enrollment is separate from disability compensation. You can use VA healthcare regardless of whether you have a service-connected disability rating.
To enroll: Apply online at VA.gov, by phone, by mail, or in person at a VA facility. You'll need your DD-214 and basic personal information. The VA assigns you to a priority group based on your circumstances.
What's covered: Preventive care, primary care, specialty care, mental health services, prescriptions, and more. Some services require copays depending on your priority group and whether the condition is service-connected.
Important: Enroll even if you don't need care immediately. Having enrollment established means access when you do need it—without delays from application processing.