What is the Continued Health Care Benefit Program (CHCBP)?
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.
What coverage should I add once I'm enrolled in TRICARE?
TRICARE covers medical care but leaves gaps in dental, vision, life insurance, and legal planning. Most military families add at least one supplemental product within the first year.
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