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Continued Health Care Benefit Program (CHCBP)

CHCBP is a premium-based plan that offers temporary transitional health coverage after TRICARE eligibility ends. It acts as a bridge between military health benefits and your new civilian health plan. CHCBP provides continuous healthcare coverage on a temporary basis following the loss of your military benefits.

What is the CHCBP?

The CHCBP is a premium-based healthcare program administered by Humana Military, providing qualified beneficiaries with optional healthcare for 18–36 months after military care benefits end. It is available to former qualified uniformed service members, their family members, former spouses who have not remarried, adult children and unmarried children by adoption or legal custody.

CHCBP is not a TRICARE program, but it offers coverage comparable to TRICARE Select group-B with similar benefits, providers and program rules. CHCBP is considered minimum essential coverage, meeting the healthcare reform law required through the Affordable Care Act. Other healthcare coverage options are available at healthcare.gov

Former Active Duty Service Members (ADSMs)
and their families

Qualification criteria:
Former ADSMs and their family members may qualify for CHCBP coverage when:

  • The sponsor is released or discharged from active duty under other than adverse conditions
  • The sponsor was entitled to medical care under a military health plan
  • ADSMs and their family members are not eligible for any benefits under TRICARE or the Transitional Assistance Management Program (TAMP)

Duration of coverage:
Up to 18 months

Note: Former ADSMs and their family members qualify for CHCBP when TAMP benefits expire.

Members of the Select Reserve, members of the Retired Reserve and their families

Qualification criteria:
For members of the Select Reserve, members of the Retired Reserve, and their families, the CHCBP 18-month eligibility begins at the end of the active duty service or TAMP period, or upon termination of coverage under TRICARE Reserve Select or TRICARE Retired Reserve.

Duration of coverage:
Up to 18 months

Former spouses who have not remarried

Qualification criteria:
Former spouses who have not remarried may qualify for CHCBP when:

  • They are covered under TRICARE or TAMP as dependents of a current or former service member on the day before the date of the final decree of divorce, dissolution or annulment
  • They are not eligible for TRICARE as a former spouse of a member or former member of the uniformed services

Duration of coverage:
Up to 36 months

Note: Certain former spouses who have not remarried before age 55 may qualify for an unlimited duration of coverage.

Dependent spouses and children

Qualification criteria:
Dependents of sponsors (includes children who were adopted or were placed in the legal custody of a uniformed service sponsor) may qualify for CHCBP when:

  • They cease to meet requirements as a dependent of a member or former member of the uniformed services
  • They were covered under TRICARE, TAMP, or TRICARE Young Adult (TYA)3 as dependents of a member or former member of the uniformed services on the day before ceasing to meet the requirements for being considered a dependent
  • They would not otherwise be eligible for any benefits under TRICARE

Duration of coverage:
Up to 36 months

Note: Children older than age 21 (before reaching age 26) who lose eligibility for TRICARE or TAMP may qualify to purchase TYA coverage instead of CHCBP. Purchasing TYA coverage after losing TRICARE or TAMP coverage offers additional coverage options and may extend the qualification to purchase CHCBP coverage. More information

Keep your personal information up-to-date

It is critical to keep your personal information updated. Humana Military must be notified of any life events, such as moving,
getting married or divorced, having a child, etc. This helps ensure you receive timely, effective CHCBP benefits, including
healthcare appointments, prescriptions and claim payments.

Enrollment

You will be notified by the uniformed services or the defense manpower data center when you are eligible. To enroll in CHCBP, submit the following:

  • A completed CHCBP application form (DD Form 2837)
  • A payment in full for the first 90 days of coverage (CHCBP must be purchased within 60 days of qualifying for coverage)
  • Certificate of Release or Discharge from Active Duty (DD Form 214) (if applicable)

You must mail the required items to:
Humana Military
Attn: CHCBP
P.O. Box 740072
Louisville, KY 40201-7472

Once purchased, coverage will be backdated to the first day of the eligibility period (I.E. If TRICARE eligibility ends 6/17 CHCBP coverage would start 6/18).

You will receive a CHCBP enrollment card by mail once Humana Military has verified your eligibility.

Former spouses who have not remarried must also submit a copy of the final divorce decree, dissolution or annulment.

Note: If your CHCBP coverage is terminated because you regain TRICARE entitlement or eligibility, you will be able to purchase CHCBP coverage again once that eligibility for TRICARE coverage ends.

Qualifying Life Events (QLE)

Enrollment changes from individual to family coverage may only be made when one or more of the following Qualifying Life Events (QLE) occurs, such as the birth of a child, marriage of the sponsor, legal adoption of a child or the placement of a child as a legal ward in the beneficiary’s home.

If you elect to change enrollment from individual to family after a QLE, coverage is effective from the date of that event. You must also begin to pay the family premium rate, effective on the date of the QLE. If the event occurred after initial enrollment in CHCBP, you must send a written request with supporting documentation to Humana Military no later than 60 days from the QLE.

Requests for enrollment changes can be made by notifying Humana Military in writing at:
Humana Military
Attn: CHCBP
P.O. Box 740072
Louisville, KY 40201-7472

Costs

CHCBP provides two types of coverage plans: individual or family. Coverage must be purchased in 90-day increments.

  • Individual coverage is available to the sponsor, a former spouse who has not remarried or an adult child. Premiums for individuals are $1,425 per quarter.
  • Family coverage is only available to former service members and their dependents. For family coverage, dependents cannot enroll unless the sponsor enrolls. Premiums for families are $3,210 per quarter.

When you receive medical care under CHCBP, you will be responsible for paying an annual deductible and cost- shares for covered services. These amounts are based on the status of the sponsor (e.g., active duty or retired) at the time of enrollment and the type of provider seen.

Note: CHCBP costs and premiums are subject to annual adjustments each fiscal year (October 1–September 30).

Premiums may only be refunded under two conditions:

  • If you no longer qualify for CHCBP, refunds will be prorated from the date of loss of qualification for program benefits to the last day of the enrollment period for which the premium has been paid (e.g., a former Active Duty Service Member (ADSM) recalled to active duty or a former spouse who remarries).
  • If Humana Military receives your written refund request before the effective start date of your CHCBP coverage the prepaid premium will be refunded in full (e.g., a former ADSM enrolls and prepays for CHCBP family member coverage, but obtains employment and receives employer-sponsored health insurance before the CHCBP coverage goes into effect).

Renewing coverage

Because CHCBP coverage is purchased in 90-day increments, premiums are billed quarterly. You will receive a renewal notice 30 days prior to the expiration of your current quarterly coverage period.

Payments postmarked later than 30 days after the last date of coverage will result in termination of CHCBP benefits and permanent loss of qualification to purchase CHCBP coverage.

Getting care from TRICARE-authorized providers


Network providers

A TRICARE network provider accepts TRICARE’s payment as a full payment for any covered healthcare services you get (less any cost-shares and your deductible) and files claims for you. 

Non-network participating providers

Providers who participate in TRICARE accept TRICARE’s payment as full payment for any healthcare services you get (less any cost-shares and your deductible) and file claims for you on a case-by-case basis.

Find a TRICARE provider

Depending on your region, you can find a provider who participates in TRICARE.

East Region beneficiaries    |    West Region beneficiaries

Non-network nonparticipating providers

You may have to pay a nonparticipating provider up front and file a claim with TRICARE for reimbursement. Nonparticipating providers do not accept TRICARE’s payment as full payment for covered healthcare services. They may charge up to 15 percent above the TRICARE-allowable charge. You are responsible for paying this amount in addition to any applicable patient costs. You are responsible for filing a claim when using a nonparticipating provider. They will not file a claim for you.

Learn how to file a CHCBP claim

Note: CHCBP enrollees may not use military hospitals and clinics except in emergency situations.

Filing CHCBP claims

If you have to file your own claim, you should send your claim form as soon as possible after you receive care. The sooner your claim and other paperwork are received, the sooner you or your provider will be paid. In the U.S. and U.S. territories, claims must be filed within one year of service. In all other overseas areas, claims must be filed within three years of service.

To file a claim:

  1. Download and fill out a TRICARE claim form, the Patient's Request for Medical Payment (DD Form 2642)
  2. Attach a readable copy of the provider's bill to the claim form, making sure it contains the following:
    • Sponsor's Social Security number (SSN) (eligible former spouses should use their SSN)
    • Provider's name and address (if more than one provider's name is on the bill, circle the name of the person who treated you)
    • Date and place of each service
    • Description of each service or supply furnished
    • Charge for each service
    • Diagnosis (if the diagnosis is not on the bill, be sure to complete block 8a on the form)
  3. Fill out all 12 blocks of the form correctly and sign it.
  4. Make a copy of the paperwork for your records.
  5. Mail your completed claim form to:
  6. CHCBP Claims
    P.O. Box 7981
    Madison, WI 53707-7981

Benefit information

Learn more about the CHCBP benefit information including eligibility and length of coverage.

Learn more