With CHAMPVA as you say your meds are paid for. The only thing is paying the deductible each year for medicare Part A&B
Part B deductible $147 per year.
Part A hospital inpatient deductible
You pay:
$1,260 deductible for each benefit period
Days 1-60: $0 coinsurance for each benefit period
Days 61-90: $315 coinsurance per day of each benefit period
Days 91 and beyond: $630 coinsurance per each "lifetime reserve day" after day 90 for each benefit period (up to 60 days over your lifetime)
Beyond lifetime reserve days: all costs.
SO If you plan to give up your private doctors and rely on the VA chamva doctors then fine drop it.
If you want to keep your private MD's shop for a basic supplement to pick up your deductibles as your doc may not accept CHAMPVA.
I AM A VA EMPLOYEE RETIRED.
EIDT EDIT EDIT> If you are on medicare and have CHAMVA you cannot repeat cannot use the VA facilities as medicare will not pay. I remembered and looked it up
http://www.va.gov/PURCHASEDCARE/programs/dependents/champva/CHAMPVA_faq.asp#Q3
Lots of good basic info at above
and at
http://va.gov/PURCHASEDCARE/docs/pubfiles/programguides/champva_guide.pdf
Traveling with my best friend my wife!