The Continued Health Care Benefit Program (CHCBP) is designed as a premium-based health plan, offering a vital bridge for individuals and families transitioning from military health benefits to civilian health coverage. If you are losing your eligibility for TRICARE, CHCBP provides temporary health coverage, typically for 18 to 36 months, ensuring you have continuous access to essential healthcare services.
CHCBP is structured to mirror the comprehensive coverage of TRICARE Select, providing a familiar and reliable healthcare option during your transition. This means your coverage extends to a wide range of medical services, including prescription medications, helping to maintain your health and well-being without interruption. As you consider your healthcare options after TRICARE, understanding What Are My Coverage Under Continued Health Care Benefit Program becomes crucial for making informed decisions about your future healthcare needs. It’s also important to plan ahead and explore options for health coverage that will be necessary once your CHCBP benefits conclude, ensuring you maintain minimum essential coverage as required by the Affordable Care Act.
Who Can Benefit from CHCBP Coverage?
To be eligible to purchase CHCBP, individuals must have been covered by specific TRICARE plans immediately before losing eligibility. These plans include TRICARE Reserve Select (TRS), TRICARE Retired Reserve (TRR), and TRICARE Young Adult. Crucially, these plans must have been active for at least one day prior to the loss of TRICARE eligibility to qualify for CHCBP.
Eligibility for CHCBP is determined by various scenarios related to changes in military status and dependent status. In all qualifying situations, the service member’s separation from service must be under conditions other than adverse conditions (meaning not dishonorable or general discharge). Here’s a breakdown of common eligibility scenarios and the duration of coverage:
- Active Duty Service Members: If you are released from active duty, you may be eligible for up to 18 months of CHCBP coverage.
- Full-time National Guard Members: Separation from full-time National Guard status can qualify you for CHCBP for up to 18 months.
- Transitional Assistance Management Program (TAMP) Participants: Upon loss of TAMP coverage, individuals are eligible for CHCBP for up to 18 months. CHCBP acts as a seamless extension of health benefits after TAMP concludes.
- Selected Reserve Members (TRS): Loss of TRICARE Reserve Select coverage makes you eligible for up to 18 months under CHCBP.
- Retired Reserve Members (TRR): Losing TRICARE Retired Reserve coverage before the age of 60 qualifies for CHCBP for up to 18 months.
- Dependent Spouses and Children: If a dependent spouse or child loses TRICARE coverage, they may be eligible for CHCBP coverage for up to 36 months. This longer duration acknowledges the needs of families during transition.
- Unremarried Former Spouses: Unremarried former spouses who lose TRICARE coverage can also qualify for CHCBP for up to 36 months. In some cases, additional coverage may be available, and it is advisable to verify specific details with Humana Military.
If you are preparing to deactivate from active duty or experiencing a change in your TRICARE eligibility due to other circumstances, it is important to understand your options. You might first qualify for TAMP or TRICARE Reserve Select before CHCBP becomes relevant. If CHCBP is the appropriate next step, enrollment must occur within 60 days of losing TAMP or within 30 days of losing TRICARE Reserve Select. Consulting with your personnel office is recommended to clarify your specific situation and the available benefits.
Understanding Your Health Coverage Under CHCBP
When enrolled in CHCBP, your healthcare benefits are essentially the same as those provided under TRICARE Select. This encompasses a broad spectrum of medical services, ensuring comprehensive care. What are my coverage under continued health care benefit program essentially mirrors TRICARE Select, including:
- Doctor Visits: Coverage for primary care physicians and specialists.
- Hospital Care: Inpatient and outpatient hospital services.
- Preventive Care: Routine check-ups, vaccinations, and screenings to maintain wellness.
- Prescription Medications: Access to a wide range of prescription drugs, similar to TRICARE pharmacy benefits.
- Mental Health Services: Coverage for mental health care, including therapy and counseling.
- Substance Abuse Treatment: Benefits for programs addressing substance use disorders.
- Maternity Care: Coverage for prenatal, delivery, and postnatal care.
- Medical Equipment: Coverage for necessary medical equipment and supplies.
- Emergency Care: Emergency room services and urgent care.
This extensive coverage ensures that CHCBP members have access to the medical care they need, providing peace of mind during a period of transition. It’s important to review the detailed benefits information provided by Humana Military to fully understand the scope of your coverage and any specific limitations or requirements.
Enrolling in CHCBP and Contact Information
Humana Military is the contractor responsible for administering the Continued Health Care Benefit Program. They manage enrollment, process claims, and provide customer service support for CHCBP beneficiaries.
To explore your eligibility and enroll in CHCBP, or to get detailed information about what are my coverage under continued health care benefit program, you can:
- Visit the CHCBP Website: Navigate to the Humana Military CHCBP website for comprehensive details and enrollment information.
- Call Humana Military: Contact their customer service directly at 1-800-444-5445 to speak with a representative who can assist you with your questions and enrollment process.
CHCBP provides a crucial safety net, ensuring that those transitioning from military service and TRICARE benefits have continued access to quality healthcare. Understanding your coverage options and taking timely action to enroll if eligible is essential for maintaining your health and well-being during this life change.
