The Continued Health Care Benefit Program (CHCBP) offers a temporary health coverage solution when you experience a loss of eligibility for TRICARE. Operating as a premium-based plan, CHCBP is designed to act as a crucial bridge, ensuring you have access to health care benefits as you transition from military coverage to a civilian health plan. This program is essential for maintaining Continued Health Care Benefits Program Individual Coverage during periods of change.
CHCBP mirrors the comprehensive coverage provided by TRICARE Select, which importantly includes prescription services. Furthermore, it meets the minimum essential coverage standards set by the Affordable Care Act. It is vital to understand your health coverage options as your CHCBP benefits period concludes to ensure continuous healthcare access.
To be eligible for the Continued Health Care Benefit Program individual coverage, enrollment must occur within 60 days of losing TRICARE eligibility.
Understanding Eligibility for CHCBP Individual Coverage
To qualify for the CHCBP, individuals must have been enrolled in and actively using one of the specified TRICARE plans immediately before their loss of eligibility. This prerequisite ensures that CHCBP serves as a direct continuation of health care benefits program individual coverage. The qualifying TRICARE plans include:
- TRICARE Reserve Select (TRS)
- TRICARE Retired Reserve (TRR)
- TRICARE Young Adult
Eligibility to purchase CHCBP individual coverage is applicable under specific scenarios, all requiring the service member’s separation to be under conditions other than adverse. These scenarios and the corresponding coverage durations are detailed below:
Specific CHCBP Eligibility Scenarios and Coverage Length
- Active Duty Service Member: Upon release from active duty, coverage extends up to 18 months. This provides essential continued health care benefits program individual coverage during the transition to civilian life.
- Full-time National Guard Member: Following separation from full-time status, coverage is available for up to 18 months. This ensures National Guard members have continued health care benefits program individual coverage after their service period.
- Member covered by the Transitional Assistance Management Program (TAMP): Loss of TAMP coverage qualifies individuals for CHCBP for up to 18 months, bridging another gap in health care benefits program individual coverage.
- Selected Reserve member covered by TRS: Loss of TRS coverage enables enrollment in CHCBP for up to 18 months, maintaining health care benefits program individual coverage.
- Retired Reserve member covered by TRR (before age 60): Loss of TRR coverage before age 60 allows for CHCBP enrollment for up to 18 months, securing continued health care benefits program individual coverage during this period.
- Dependent spouse or child: Loss of TRICARE coverage makes dependent spouses or children eligible for CHCBP for up to 36 months, providing longer-term continued health care benefits program individual coverage.
- Unremarried former spouse: Loss of TRICARE coverage qualifies unremarried former spouses for CHCBP for up to 36 months.*
*Unremarried former spouses might be eligible for extended coverage. It is advisable to contact Humana Military for detailed information regarding their specific situation and continued health care benefits program individual coverage options.
Are you preparing to deactivate from service? Understanding your options is crucial. You might be eligible for the TRICARE Assistance Management Program (TAMP) and/or TRICARE Reserve Select before CHCBP. Note that CHCBP eligibility often directly follows these programs. If you are eligible to purchase CHCBP, it is critical to act within 60 days of losing TAMP or within 30 days of losing TRICARE Reserve Select to maintain your continued health care benefits program individual coverage. Consult your personnel office for comprehensive guidance and to ensure seamless transition and continued health care benefits program individual coverage.
Contacting the CHCBP Contractor: Humana Military
Humana Military is the designated contractor for the Continued Health Care Benefit Program. They manage enrollment, authorizations, claims processing, and customer service. For detailed information about CHCBP, to verify your eligibility, or to enroll, please utilize the following resources:
- Visit the official CHCBP website: Humana Military CHCBP Website
- Contact Humana Military directly by phone: 1-800-444-5445
This information is current as of November 21, 2024, and it is recommended to verify any updates or changes with Humana Military directly to ensure you have the most accurate information regarding your continued health care benefits program individual coverage.
