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I used one for my dad and it helped me pick the best plans for him and his future needs.
All combined his premiums are lower then the deductibles through Medicare advantage plans. So he knows what his monthly costs will be and that he can go to any doctor. No networks necessary.
I tried to sort it out myself and I was so confused, I would have never been able to do what the broker accomplished.
My aunt said she would never let her CHAMPVA lapse, it is the best thing that her husband left her.
"having heard" doesn't mean the information is realistic.
If you haven't raised this issue with the VA, contact your VA social worker. I've found them to be very helpful. But get information directly from the VA. They're the best source for this kind of issue.