What is CHCBP?
Quick Answer
CHCBP is a temporary health coverage program for those losing TRICARE eligibility due to separation, divorce, or aging out. Coverage lasts 18-36 months with premium-based enrollment.
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Detailed Answer
The Continued Health Care Benefit Program (CHCBP) is a premium-based temporary health coverage option for individuals who are losing or have lost their TRICARE eligibility. CHCBP provides healthcare coverage similar to TRICARE Select for a limited period, serving as a bridge until the individual can obtain other health insurance. Eligible groups include service members separating from active duty (18 months of coverage), former spouses who lose eligibility due to divorce (36 months), children who age out of TRICARE coverage (36 months), and certain other former beneficiaries. Enrollment must occur within 60 days of losing TRICARE eligibility. CHCBP is administered by Humana Military and requires quarterly premium payments. The coverage includes medical, surgical, and mental health services similar to TRICARE Select, with the beneficiary responsible for copays and cost-shares. CHCBP does not include dental, pharmacy home delivery, or TRICARE pharmacy network benefits. It is designed as transitional coverage and beneficiaries are encouraged to seek permanent health insurance as soon as possible.
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Related Questions
How to use TRICARE after retirement?
After retiring, enroll in TRICARE Prime or Select through your regional contractor. At age 65, enroll in Medicare Parts A and B to automatically receive TRICARE For Life.
How to get TRICARE during military transition?
Separating service members and families may receive 180 days of transitional TRICARE coverage through TAMP, after which they can purchase CHCBP for up to 18 months.
What do most military families add to their TRICARE coverage?
Supplemental health insurance is the most common addition — it covers dental, vision, and out-of-pocket costs that TRICARE leaves uncovered. Life insurance and a legal will are also highly recommended.
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