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Welcoming Military Spouses & Children

CHAMPVA Mental Health Care for Military Families

We proudly care for spouses and dependent children covered by the Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA). As a licensed Florida clinical practice, our team provides compassionate, personalized therapy with zero balance billing.

MILITARY FAMILY HEALTH CARE
CHAMPVA
Authorized Community Provider
✓Zero out-of-pocket balance billing for covered care
✓No doctor referral required to begin sessions
✓Specialized therapeutic play, teen counseling & adult psychotherapy
✓100% Virtual · Secure Florida Statewide Telehealth
Our Clinical Focus

Mental Health Care Centered on Your Family

We understand the unique transitions, resilience, and stressors experienced by military families. We make starting therapy simple, supportive, and accessible from your very first conversation.

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Therapeutic Play for Children

Led by Dr. Bethany R. Russell, a Therapeutic Play Specialist, we offer evidence-based therapeutic play for children ages 4–12, helping young kids process stress, big emotions, and life changes naturally through play.

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Adolescent & Individual Therapy

Compassionate counseling for teens and military spouses experiencing anxiety, depression, trauma, caregiver fatigue, or life transitions, using evidence-based cognitive and relational approaches.

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Transparent & Protected

By federal rule, our practice accepts assignment on all CHAMPVA claims. This protects you from surprise medical bills—we accept the CHAMPVA allowable rate as payment in full.

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Care Continuity: No Annual Session Caps

Under VA guidelines aligning with Federal Mental Health Parity, CHAMPVA outpatient therapy visits are not restricted by artificial annual session limits or preauthorization delays. You and your clinician decide the care cadence that is clinically appropriate for you.

Coverage Essentials

How Your CHAMPVA Coverage Works

Here is a straightforward overview of how your benefits connect with our practice:

What is Covered

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Comprehensive Psychotherapy
Individual therapy, play therapy, family sessions, and diagnostic clinical assessments are fully covered benefits.
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No Referral Needed
You do not need a referral from a VA doctor or family physician to schedule your initial consultation or session with our team.
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100% Virtual Telehealth Across Florida
Convenient, secure video therapy is available to qualifying military families located anywhere in the State of Florida. All appointments are conducted virtually.

Helpful Things to Know

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Who Qualifies for CHAMPVA?
CHAMPVA covers spouses, surviving spouses, and dependent children of veterans who are rated permanently and totally disabled from a service-connected condition or died in service.
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Coordination With Medicare & Other Insurance
If you also have Medicare Part B or an employer-sponsored health plan, that insurance pays first. CHAMPVA acts as secondary insurance, covering remaining copays and deductibles.
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Electronic Claims Filed Directly
You will not need to manage complex claim submissions. Our billing team files claims electronically on your behalf.
Simple Intake

Beginning Therapy in 3 Simple Steps

We keep the intake process seamless so you and your family can focus on healing and growth.

STEP 01
Free 15-Minute Consult

Speak with our team to share your family's goals, ask questions, and ensure we are a wonderful clinical fit for your needs.

STEP 02
Simple Digital Intake

Complete your confidential intake questionnaire and upload your CHAMPVA card securely through our HIPAA-compliant portal.

STEP 03
Begin Your Sessions

Meet with your clinician virtually from the comfort and privacy of your home through secure Florida telehealth.

Common Questions

Frequently Asked Questions

Do I need pre-approval from CHAMPVA before my first appointment?

No. Under current VA parity standards, outpatient mental health visits do not require prior authorization. We verify your active member status before your first clinical session.

Will I receive unexpected bills after my sessions?

No. We strictly abide by federal assignment rules. We accept the CHAMPVA allowable rate as payment in full. You are never balance-billed for covered therapy services.

Can both children and adults receive care?

Yes. We provide play therapy and pediatric counseling for young children, as well as individual psychotherapy and counseling for military spouses and adolescents.

What if I have Medicare or another insurance plan as well?

That coordinates seamlessly. We bill your primary plan first, and CHAMPVA wraps around as secondary to cover remaining copayments or deductibles, leaving zero out-of-pocket balance in most circumstances.

Official Notice (38 U.S.C. § 6308 & 38 CFR § 1.9): Bethany R. Russell, Ph.D. & Associates, P.A. is an independent private healthcare provider authorized to deliver outpatient mental health care to CHAMPVA beneficiaries under 38 CFR § 17.270. CHAMPVA is administered by the Department of Veterans Affairs. Our practice is an independent community clinic and is not part of, operated by, or endorsed by the U.S. Department of Veterans Affairs.
Request a consultation

A free 15-minute consultation.

To determine if we might be a good fit for your therapeutic needs. If you have questions or would like to schedule, please don't hesitate to reach out.

Scheduling 239-667-5469
Fax 717-789-1914
Babcock Ranch, Florida 33982