Veterans Affairs Enrollment and No-Fault Auto Insurance
Issued / Entered September 2, 2020
DIFS has received inquiries from veterans and their dependents who use the U.S. Department of Veterans Affairs (VA) as their primary health care provider regarding whether enrollment in VA benefits is considered to be Qualified Health Coverage for (QHC) purposes of no-fault auto coverage. This bulletin advises veterans and their dependents that enrollment in VA benefits does not qualify as QHC because it excludes or limits coverage for injuries related to motor vehicle accidents.
VA is a health care provider and does not provide health insurance. As a provider, VA has limited authority to reimburse veterans for emergency care in a non-VA facility, even when veterans who are injured in a motor vehicle accident need emergency care in such a facility. As a result, not all enrolled veterans would be eligible for reimbursement for automobile injury related care provided by a non-VA facility. Because of this limitation on reimbursement for care related to motor vehicle accidents, VA enrollment does not qualify as QHC.