I am 80% IUPT and am looking into the CHAMPVA for my wife and son. I have no other insurance for them and received the letter in the mail yesterday with the CHAMPVA info. In the packet was a letter with the premiums ammounts for my wife and son, equalling about $60 a month and the $100 a year premium. I know its cheap but I have been reading that once you are P&T that it should be free. Am I mistaken? Any help would be awesome. Thank you so much for everything!