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"To be eligible for CHAMPVA, the beneficiary cannot be eligible for TRICARE. CHAMPVA provides coverage to the spouse or widow(er) and to the children of a Veteran who:
is rated permanently and totally disabled due to a service-connected disability, OR
was rated permanently and totally disabled due to a service-connected condition at the time of death, OR
died of a service-connected disability, OR
died on active duty and the dependents are not otherwise eligible for Department of Defense TRICARE benefits."
Seems to me your husband had to have a service related disability. You also cannot get Tricare and CHAMPA too. I have two Friends who use the VA hospital for all their health needs instead of having to pay for a Medicare supplimental. Both in Vietnam. Their spouses are not allowed to use the VA hospital because they are not Vets. Both pay for their own supplemental or provided by an employer.
Spouses are not entitled to a number of VA benefits if not a Vet themselves. If you still have questions after reading the site I posted, then u need to call your County VA office and talk to someone there.
I hope that someone has a better answer for you.