Understanding the cost of the TRICARE Continued Health Care Benefit Program (CHCBP) is crucial for those transitioning from military healthcare coverage. CHCBP provides temporary health insurance for individuals and families who lose TRICARE eligibility, bridging the gap to a new civilian health plan. This article outlines eligibility requirements, coverage details, and how to learn more about CHCBP costs.
CHCBP Eligibility and Coverage Duration
CHCBP eligibility extends to individuals and families who lose TRICARE coverage due to specific circumstances. Generally, this includes those leaving active duty, separating from the National Guard or Reserves, or losing coverage as a dependent or former spouse.
The duration of CHCBP coverage varies depending on the reason for TRICARE loss:
- Up to 18 months: Active duty service members, full-time National Guard members, those losing Transitional Assistance Management Program (TAMP) or TRICARE Reserve Select (TRS) coverage, and Retired Reserve members losing TRICARE Retired Reserve (TRR) before age 60.
- Up to 36 months: Dependent spouses and children, and unremarried former spouses. Note: Unremarried former spouses may be eligible for extended coverage; contact Humana Military for details.
To qualify, your previous TRICARE plan (TRS, TRR, or TRICARE Young Adult) must have been active for at least one day before losing eligibility. Furthermore, the service member’s separation must be under “other than adverse conditions.”
Understanding CHCBP Costs: Premiums and More
CHCBP is a premium-based program, meaning beneficiaries pay monthly premiums for coverage. These premiums vary based on factors like age, family size, and coverage type. While CHCBP provides comprehensive coverage comparable to TRICARE Select, including prescription benefits, understanding the specific costs associated with your individual circumstances is essential.
Contacting Humana Military directly is recommended for obtaining precise premium information and personalized cost estimates. You can reach them via phone or visit their website for detailed information.
Key Considerations for Transitioning to CHCBP
If you anticipate losing TRICARE eligibility, consider these important points regarding CHCBP:
- Enrollment Window: You have 60 days from the date of TRICARE loss to enroll in CHCBP.
- Minimum Essential Coverage: CHCBP fulfills the Affordable Care Act’s minimum essential coverage requirement. However, exploring long-term civilian health insurance options before your CHCBP coverage ends is crucial.
- TRICARE Assistance Management Program (TAMP) and TRICARE Reserve Select (TRS): If eligible for TAMP or TRS, understand how these programs interact with CHCBP. CHCBP coverage follows both programs. Contact your personnel office for further guidance.
Finding More Information about CHCBP Costs
For detailed information about CHCBP costs, eligibility, and enrollment, contact Humana Military:
- Visit the CHCBP website: https://www.humanamilitary.com/chcbp/
- Call Humana Military: 1-800-444-5445
Planning for your healthcare needs after leaving military service is critical. Understanding the Tricare Continued Health Care Benefit Program Cost and eligibility requirements allows you to make informed decisions and ensure continuous health coverage during your transition.
