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Health Care Insurance for Discharged Veterans and Their Families
If you separate voluntarily, you and your family are not eligible to use military treatment facilities or TRICARE. However, you may purchase extended transitional health care coverage (CHCBP) for up to 18 months of coverage. You have 60 days after leaving the military to enroll in CHCBP. Your coverage will start the day after you are discharged from active duty.
Following the loss of eligibility to military medical benefits, you or a family member may apply for temporary, transitional medical coverage under the Continued Health Care Benefit Program (CHCBP). CHCBP is a premium-based health care program which provides medical coverage to a select group of former military beneficiaries. CHCBP is similar to, but not part of, TRICARE. The CHCBP program extends health care coverage to the following individuals when they lose military benefits:
- The service member (who can also enroll his or her family members)
- Certain former spouses who have not remarried
- Certain children who lose military coverage
DoD contracted with Humana Military Healthcare Services, Inc. to administer CHCBP. You may contact Humana Military Healthcare Services, Inc., in writing or by phone for information regarding CHCBP.
Humana Military Healthcare Services, Inc. Attn: CHCBP P.O. Box 740072 Louisville, KY 40201 800-444-5445 Click here for a copy of the CHCBP enrollment application.
Continuous coverage: CHCBP is a health care program intended to provide you with continuous health care coverage on a temporary basis following your loss of military benefits. It acts as a “bridge” between your military health benefits and your new job’s medical benefits, so you and your family will receive continuous medical coverage.
If you purchase this conversion health care plan, CHCBP may entitle you to coverage for preexisting conditions often not covered by a new employer’s benefit plan.
The CHCBP benefits are comparable to TRICARE Standard benefits.
Enrollment and Coverage
You must enroll in CHCBP within 60 days following the loss of entitlement to the Military Health System. To enroll, you will be required to submit:
- A completed DD Form 2837, "Continued Health Care Benefit Program (CHCBP) Application.
- Documentation as requested on the enrollment form, e.g., DD Form 214, "Certificate of Release or Discharge from Active Duty;” final divorce decree; DD Form 1173, "Uniformed Services Identification and Privilege 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.
The premium rates for 2016 are $1,300 per quarter for individuals and $2,925 per quarter for families. Humana Military Healthcare Services, Inc. will bill you for subsequent quarterly premiums through your period of eligibility once you are enrolled. The program uses existing TRICARE providers and follows most of the rules and procedures of the TRICARE Standard program. Depending on your beneficiary category, CHCBP coverage is limited to either 18 or 36 months as follows:
- 18 months for separating Service Members and their families
- 36 months for others who are eligible (in some cases, former spouses who have not remarried may continue coverage beyond 36 months if they meet certain criteria)
You may not select the effective date of coverage under CHCBP. For all enrollees, CHCBP coverage must be effective on the day after you lose military benefits.