VA Health Care Enrollment and Priority Groups Guide

VA health care enrollment is the step that unlocks VA medical care for an older veteran.1 Once a veteran enrolls, the VA assigns a priority group from 1 to 8, and that group shapes what, if anything, care costs.1 The system isn't hard to work through once you understand it. Most families just never get the explanation.

This guide walks through who can enroll, what the eight VA health care priority groups mean, what you'll pay in each one, how to apply, and why enrollment matters so much for long-term care down the road.

In This Guide

• Key Takeaways
• Who Can Enroll in VA Health Care
• The Eight Priority Groups
• What You'll Pay (Copays by Group)
• How to Apply
• Why Enrollment Matters for Long-Term Care
• Frequently Asked Questions
• Learn More

Who Can Enroll in VA Health Care

To enroll in VA health care, a veteran must have served in the active military, naval, or air service and not received a dishonorable discharge.1

For most veterans, there's also a minimum length-of-service requirement. Veterans who enlisted after September 7, 1980, or who entered active duty after October 16, 1981, generally must have served 24 continuous months or the full period for which they were called to active duty.1 There are exceptions to this rule, including discharges for a disability caused or worsened by service and hardship discharges.

Reserve and National Guard members can qualify too, but the path is narrower. They generally must have been called to federal active duty and completed that full period of service.1 Active duty for training purposes only doesn't qualify.

If you're unsure whether a discharge or service record meets these requirements, it's worth applying anyway. The VA reviews each case, and an accredited representative can help you understand where a particular record falls.

The Eight Priority Groups

When a veteran enrolls, the VA places them in one of eight priority groups. The group reflects military service history, service-connected disability rating, income level, Medicaid eligibility, and other benefits received.1 Group 1 is the highest priority; Group 8 is the lowest, and a veteran who fits more than one group is placed in the highest one. The group affects what a veteran pays and, for some veterans in Group 8, whether they can get VA health care at all.1

The table below describes who falls into each group. The income-based groups (7 and 8) turn on gross household income measured against VA's income limits, including a geographically adjusted limit (GMT) that depends on where the veteran lives, so the description here stays in terms of being below or above the limit rather than a fixed dollar figure.1

Priority Group 8 is further divided into subpriority groups, and the subgroup decides eligibility: veterans in subgroups a, b, c, or d may be eligible, while veterans in subgroup e or g are not eligible for VA health care benefits (a veteran in subgroup e can get care for the service-connected condition only).1 If a veteran's income, disability rating, or other circumstances change, the VA can move them to a different priority group, so it's worth keeping the VA informed when something shifts.

What You'll Pay (Copays by Group)

Copays in VA health care depend on the priority group and on the kind of care. Some veterans are exempt from copays because of their disability rating, income level, or special eligibility factors.1

The clearest cases are at the top:

• Priority Group 1 veterans pay no copay for any medications.1
• Veterans with a service-connected disability rated 10% or higher pay no copay for outpatient care and no copay for inpatient care.1

There's also a rule that cuts across every group. Care related to a VA-rated service-connected disability is copay-exempt for any veteran, no matter which priority group they're in.1 So even a veteran in a copay group pays nothing for treatment tied to a condition the VA has already rated as service-connected.

For veterans in the income-based groups who do owe copays, the amounts depend on the type of service and update over time. The VA publishes current copay rates on its website, and that's the right place to confirm a specific figure before relying on it. Medications are a separate question from care copays, so see our guide to VA pharmacy benefits for what a veteran pays at the VA pharmacy and who pays nothing at all.

Getting to the appointment is a cost too, and that one can run in your favor. The VA reimburses eligible veterans for mileage and approved costs of travel to and from VA or VA-authorized health care,2 so see our guide to VA beneficiary travel for who qualifies and how to file a claim.

How to Apply

Applying for VA health care uses a single form, the Application for Health Benefits, VA Form 10-10EZ.1 There are several ways to submit it:

• Online at va.gov/health-care/how-to-apply.1
• By phone at 877-222-8387.1
• By mail, sending VA Form 10-10EZ to the Health Eligibility Center.1
• In person at a VA medical center or clinic.1

You can also get help applying. An accredited attorney, claims agent, or Veterans Service Organization (VSO) representative can complete the application with you and make sure the supporting records are in order.1 For an older veteran or a family member doing the legwork, that help is often worth seeking out.

It helps to have the veteran's discharge papers (the DD-214), basic income information, and any current health insurance details on hand before you start. The VA uses these to confirm eligibility and to assign the priority group.

Why Enrollment Matters for Long-Term Care

Enrollment isn't just about doctor visits. Except in limited cases the regulations spell out, a veteran must be enrolled in VA health care to receive VA's medical benefits package.1 That makes enrolling early the safer move, before a care need turns urgent.

VA's long-term care system is substantial. VA offers eligible veterans long-term care programs including Home Based Primary Care, where a VA physician-supervised team visits the veteran at home; Adult Day Health Care; Community Living Centers, which are VA nursing homes; the Community Nursing Home program; respite care; and Veteran-Directed Care, which gives a veteran a budget for services that the veteran or the veteran's representative manages.3 Each program has its own eligibility rules, and cost is part of the picture: a veteran pays no copay for geriatric or extended care for the first 21 days of care in a 12-month period, and from the 22nd day VA bases the copay on the level of care and the financial information the veteran gives on VA Form 10-10EC.1

Enrollment also opens the way to VA community care. Under the VA MISSION Act (2018), eligible enrolled veterans can receive care from non-VA community providers when the VA can't offer a timely appointment, when the drive to a VA facility is too long, or when the needed care isn't offered at any VA facility. Approval from the veteran's VA health care team is required before getting care from a community provider, except in certain cases like urgent or emergency care.4 In May 2025, under the Senator Elizabeth Dole 21st Century Veterans Healthcare and Benefits Improvement Act (the Dole Act, enacted 2025), the VA streamlined a separate route, the "best medical interest" pathway, where a veteran and their VA provider agree that community care is in the veteran's best medical interest, removing an extra review by a second VA doctor so eligible veterans get faster access.4 For an older veteran living far from a VA medical center, that can be the difference between timely care and a long wait.

Those conditions are a test the VA applies when it decides eligibility, not a promise of an appointment, and the numbers behind "timely" and "too long" are set by regulation. They are 30 minutes average driving time and 20 days for primary care, mental health care, and non-institutional extended care, and 60 minutes and 28 days for specialty care, designated "for purposes of eligibility determinations"; the condition is met when the VA cannot schedule an appointment that is both near enough and soon enough, so missing either standard on its own is enough.4 The drive figure is an "average driving time" from the veteran's residence that the VA calculates using geographic information system software, and the day count applies "unless a later date has been agreed to by the veteran in consultation with the VA health care provider," so agreeing to a later appointment date does not leave the veteran eligible on wait time.4

The request has to come first. Eligibility on these grounds requires the veteran to have contacted an authorized VA official to request the care, so there is no self-referral on drive time alone, and a VA decision on any of these conditions is reviewable through the VA's clinical appeals process and may not be appealed to the Board of Veterans' Appeals.4 The standards are a real route to care outside the VA. They just have to be asked for.

Telehealth is another way to close that same distance for enrolled veterans, and our guide to VA telehealth covers video visits, remote monitoring at home, and the community sites set up for veterans without reliable internet.

The takeaway is simple. If there's any chance a veteran will need VA care, whether next month or years from now, enrolling now is the move that keeps every later option open.

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