Continued Health Care Benefit Program (CHCBP)

Army National Guard: Drilling

Benefit Fact Sheet

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Summary:

The Continued Health Care Benefit Program (CHCBP) is an optional, premium-based program administered by Humana Military Health Care Services that offers temporary continued health care benefits when a Soldier and/or Family member(s) are no longer entitled to military medical benefits. The CHCBP program acts as a temporary bridge between military health benefits and a new civilian health plan for 18 to 36 months. CHCBP is a health care program with benefits similar to TRICARE Standard.

Eligibility:

Army National Guard Soldiers on drill status may qualify for CHCBP when TRICARE Reserve Select (TRS) eligibility ends. The CHCBP 18-month eligibility begins at the end of the active duty service / TAMP period. If TRS-eligibility ends, the TRS member may enroll in CHCBP if there is any remaining CHCBP eligibility. In these cases, the CHCBP application must be submitted within 30 days of the loss of TRS-eligibility.

The following persons are eligible to enroll in the CHCBP for a specific period if they are no longer eligible for TRICARE or other coverage under the Military Health System:

  • Soldiers separating from active duty under other than adverse conditions and their Families. Coverage is limited to 18 months.
  • Un-remarried former Spouses who were eligible for TRICARE on the day before the date of the final decree of divorce, dissolution, or annulment. Coverage is usually limited to 36 months however; some un-remarried former Spouses may continue coverage beyond 36 months if they meet certain criteria. Contact Humana Military for details.
  • Children who cease to meet the requirements to be an eligible Family member and were eligible for TRICARE on the day before ceasing to meet those requirements. Coverage is limited to 36 months.
  • Certain unmarried Children by adoption or legal custody. Coverage is limited to 36 months.

Benefit Highlights:

CHCBP can help ensure continuous health care coverage by acting as a temporary "bridge" between a Soldier's military and future civilian health benefits. Once purchased, this health care plan may entitle Soldiers and/or Family members to coverage for preexisting conditions often not covered by a new employer's benefit plan. The program uses TRICARE providers and follows most of the rules and procedures of the TRICARE Standard program.

Eligible beneficiaries must enroll in CHCBP within 60 days following the loss of entitlement to the Military Health System. To enroll, the Soldier will be required to submit:

  • A completed CHCBP Enrollment Application form (DD Form 2837)
  • Documentation as requested on the enrollment form, e.g., DD214-Certificate of Release or Discharge from Active Duty; final divorce decree; DD1173-Uniformed Services ID Card. Additional information and documentation may be required to confirm an applicant's eligibility for CHCBP.
  • A premium payment for the first 90-days of health coverage.

Depending on the beneficiary category, CHCBP coverage is limited to either 18 or 36 months. Eligibility periods are:

  • 18 months for separating Soldiers and their Families.
  • 36 months for others who are eligible (in some cases, un-remarried former Spouses may continue coverage beyond 36 months if they meet certain criteria).

Getting Care from TRICARE-Authorized Providers:

Network Providers
Using a TRICARE network provider is the best option under CHCBP. A TRICARE network provider has a signed agreement with regional contractors to provide care and has agreed to file claims for you.

Non-Network Participating Providers
If you seek care from a non-network provider, a participating provider is the best option. Providers who participate in TRICARE accept payment directly from TRICARE and accept the TRICARE-allowable charge (less any applicable cost-shares paid by you) as payment in full for their services. They may choose to participate on a claim-by-claim basis.

Non-Network Nonparticipating Providers
If you visit a nonparticipating provider, you may have to pay the provider up front and file a claim with TRICARE for reimbursement. Nonparticipating providers have not agreed to accept the TRICARE allowable charge or to file your claims, and have the right to charge you up to 15 percent above the TRICARE-allowable charge for services. You are responsible for paying this amount in addition to any applicable cost-shares.

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

The current quarterly premium rates (October 1, 2015 - September 30, 2016) are:

  • Individual coverage: $1,300 per quarter
  • Family coverage: $2,925 per quarter

Additional Information:

For more information, please call 1-800-444-5445 or visit the CHCBP webpage at:
https://www.humanamilitary.com/beneficiary/plans-and-programs/chcbp

or visit the TRICARE CHCBP web page:
http://www.tricare.mil/chcbp

CHCBP Fact Sheet:
http://go.usa.gov/2V4K

CHCBP Brochure:
http://www.tricare.mil/~/media/Files/TRICARE/Publications/BrochuresFlyers/CHCBP_Brochure.pdf

Document Review Date: 27 April 2016