Continued Health Care Benefit Program
CHCBP
Quick Definition
Temporary transitional health coverage for those losing TRICARE eligibility.
Key Takeaways
- Provides temporary coverage for those losing TRICARE eligibility
- Must enroll within 60 days of losing eligibility
- Coverage lasts 18 or 36 months depending on the situation
Full Definition
The Continued Health Care Benefit Program (CHCBP) is a premium-based temporary healthcare coverage program for individuals who are losing or have recently lost TRICARE eligibility. CHCBP provides a bridge of healthcare coverage similar to COBRA in the civilian sector.
Who qualifies for CHCBP: • Service members separating from active duty (not retiring) • Former spouses who lose TRICARE eligibility due to divorce • Children aging out of TRICARE dependent coverage • Other former beneficiaries losing eligibility
Key features: • Coverage lasts 18 or 36 months depending on qualifying event • Premium-based with quarterly payments required • Coverage similar to TRICARE Select • Can use any TRICARE-authorized provider • No referrals required
Important enrollment deadlines: • Must enroll within 60 days of losing TRICARE eligibility • Coverage is retroactive to the date of loss of TRICARE • Late enrollment may result in permanent loss of CHCBP eligibility
CHCBP ensures continuity of healthcare during transitions, giving former beneficiaries time to secure permanent coverage through an employer, marketplace, or other source.
Helpful Tips
- Apply immediately after separation or loss of eligibility to avoid missing the 60-day enrollment window.
- Use CHCBP as a bridge while securing permanent coverage through an employer or the marketplace.
Related Questions
How do I switch between TRICARE Prime and Select?
You can switch plans during the annual Open Season (Nov-Dec) or after a Qualifying Life Event like PCS, birth, or marriage.
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 is the Continued Health Care Benefit Program (CHCBP)?
CHCBP is temporary premium-based coverage for 18-36 months for those losing TRICARE eligibility due to separation, divorce, or aging out.
What happens to TRICARE after divorce?
Former spouses may keep TRICARE coverage under the 20/20/20 rule if the marriage lasted 20+ years overlapping with 20+ years of military service. Otherwise, coverage ends and CHCBP may be available.
Related Terms
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