r/VeteransBenefits

been out for 3 years with multiple ratings - should i bother with va healthcare when tricare select works fine

Yes, you should enroll in VA healthcare despite having Tricare Select, as it provides critical, cost-free protection for your service-connected conditions and enhances your long-term benefits. Under 38 CFR 17.38, enrollment in VA care establishes you in the system, securing your priority group (likely Group 1 if you have a compensable service-connected disability) and guaranteeing zero-cost treatment for your rated conditions, whereas Tricare still involves cost-shares and deductibles. Furthermore, consistent VA treatment creates a continuous medical record that is paramount for future claims, such as increases or secondary conditions, as it provides direct evidence to VA examiners and raters; per *Buchanan v. Nicholson*, ongoing medical records are crucial for establishing chronicity and severity under 38 CFR 3.303(b). For mental health, a VA provider's longitudinal clinical notes are invaluable for accurately applying the criteria in 38 CFR 4.130 (Diagnostic Code 9440). Your actionable next step is to apply for enrollment online via VA.gov, by phone (877-222-VETS), or in-person at a VA medical center, which does not cancel your Tricare—they work concurrently, with VA often billing Tricare as secondary insurance, potentially reducing or eliminating your VA copays for non-service-connected care. Ultimately, VA healthcare is a earned benefit that serves as a dedicated safety net for your service-connected disabilities, ensuring specialized, consolidated care and strengthening your disability evidence, which Tricare alone cannot provide.

*This information is for educational purposes regarding VA benefits and procedures and is not intended as legal, medical, or financial advice.*

What would this rating pay you? (2026 rates)

Official 2026 VA monthly compensation, including the 2.8% COLA increase.

per month ·  per year, tax-free

Dependent add-ons start at a 30% rating. Child-only and dependent-parent rates: see the full 2026 pay chart.

2026 base rates, all ratings (veteran alone)
RatingMonthly (2026, incl. 2.8% COLA)
10%$180.42
20%$356.66
30%$552.47
40%$795.84
50%$1,132.90
60%$1,435.02
70%$1,808.45
80%$2,102.15
90%$2,362.30
100%$3,938.58
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Disclaimer: VetAid is not a law firm, medical practice, or Veterans Service Organization. This information is for educational purposes only and does not constitute legal, medical, or professional advice. Consult with a qualified VA-accredited attorney or your VSO representative. Veterans Crisis Line: 988 (press 1).