The healthcare landscape can be complex, especially when transitioning from military to civilian life or navigating different insurance options. One program that often comes up in discussions about healthcare benefits, particularly with Humana, is the Continued Health Care Benefit Program (CHCBP). While you might be searching for “Humana’s Care Highlight Program,” it’s essential to understand what CHCBP offers and how it relates to your healthcare needs.
The Continued Health Care Benefit Program (CHCBP) is essentially a premium-based plan designed to provide temporary health coverage. Think of it as a bridge, carefully constructed to span the gap between your military health benefits, like TRICARE, and your new civilian health insurance plan. This program offers coverage for a defined period, typically ranging from 18 to 36 months, specifically when you experience a loss of eligibility for TRICARE.
CHCBP is not just any temporary coverage; it’s designed to mirror the comprehensive benefits you were accustomed to with TRICARE Select. This means you can expect similar coverage, including crucial aspects like prescription medications. Furthermore, CHCBP is recognized as minimum essential coverage. This is an important detail because it fulfills the requirements set by the Affordable Care Act, ensuring you avoid any potential gaps in coverage and meet legal mandates. As your CHCBP period nears its end, it’s wise to proactively explore your healthcare options to ensure continued coverage.
Eligibility for CHCBP hinges on your prior enrollment in specific TRICARE programs. If you were utilizing plans such as TRICARE Reserve Select (TRS), TRICARE Retired Reserve (TRR), or TRICARE Young Adult, and these plans were active for at least one day before your TRICARE eligibility ended, you are likely eligible to apply for CHCBP.
The scenarios that qualify you to purchase CHCBP are varied but specific. A key condition across all scenarios is that the service member’s separation from service must be under conditions “other than adverse”. Let’s break down some common qualifying situations:
| Former Category | Scenario | Length of Coverage |
|---|---|---|
| Active Duty Service Member | Released from active duty | Up to 18 months |
| Full-time National Guard Member | Separated from full-time status | Up to 18 months |
| Member covered by the Transitional Assistance Management Program (TAMP) | Loss of TAMP coverage | Up to 18 months |
| Selected Reserve member covered by TRS | Loss of TRS coverage | Up to 18 months |
| Retired Reserve member covered by TRR | Loss of TRR coverage (before age 60) | Up to 18 months |
| Dependent spouse or child | Loss of TRICARE coverage | Up to 36 months |
| Unremarried former spouse | Loss of TRICARE coverage | Up to 36 months* |
* It’s worth noting that unremarried former spouses might have access to extended coverage durations. For precise details tailored to your situation, reaching out to Humana Military directly is recommended.
If you are in the process of deactivating from service, understanding programs like TRICARE Assistance Management Program (TAMP) and TRICARE Reserve Select is crucial as CHCBP often follows these programs. To enroll in CHCBP, it’s important to act swiftly. You generally have a 60-day window from the loss of TAMP or a 30-day window from the loss of TRICARE Reserve Select to purchase CHCBP. For personalized guidance and detailed information, your personnel office can be a valuable resource.
Humana Military is the designated contractor managing the CHCBP. They handle various aspects of the program, including enrollment processes, securing authorizations, managing claims, and providing customer service support. For anyone seeking more in-depth information about CHCBP or wanting to verify their eligibility, several avenues are available:
- Explore the dedicated CHCBP website provided by Humana Military: CHCBP Website
- Contact Humana Military directly by phone at 1-800-444-5445.
Understanding programs like CHCBP is a key part of navigating your healthcare options, especially during transitions. While “Humana’s Care Highlight Program” might be the term you searched, recognizing CHCBP and its benefits ensures you’re well-informed about available healthcare safety nets.
Last Updated: 11/21/2024
