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What is the Continued Health Care Benefit Program (CHCBP)?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
AI-assisted (gemini)
Quick Answer
CHCBP is temporary premium-based coverage for 18-36 months for those losing TRICARE eligibility due to separation, divorce, or aging out.
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Key Takeaways
- Temporary coverage for 18-36 months
- Must apply within 60 days of losing TRICARE
- Premium-based with no subsidies
- Good bridge to other coverage
Detailed Answer
The Continued Health Care Benefit Program (CHCBP) provides temporary transitional health coverage when TRICARE eligibility ends.
Who Qualifies
- Separating service members (non-retirement)
- Former spouses losing eligibility
- Children aging out of TRICARE
- Unmarried former spouses not meeting 20/20/20
Coverage Duration
- 18 months for separating members
- 36 months for former spouses and children
Monthly Premiums (2024)
- Individual: Approximately $650/month
- Family: Approximately $1,450/month
How to Enroll
- Apply within 60 days of losing TRICARE
- Complete DD Form 2837
- Submit to Humana Military
- Coverage begins day after TRICARE ends
What's Covered
- Similar to TRICARE Select benefits
- Medical and pharmacy coverage
- No pre-existing condition exclusions
Important Notes
- Not renewable - ends after max period
- Premium-based only (no subsidies)
- Good bridge to employer or ACA coverage
Related TRICARE Terms
Related Questions
Does a divorced spouse keep TRICARE coverage?
Divorced spouses may keep TRICARE coverage if married 20+ years with 20+ years of military service overlapping by 20+ years (20/20/20 rule).
What happens to TRICARE when I separate from active duty?
TRICARE ends at separation unless you qualify for TAMP (180 days transition) or retire. Plan ahead for civilian health coverage.
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