CHCBP is a premium-based plan that offers temporary transitional health coverage after TRICARE eligibility ends. It acts as a bridge between military health benefits and your new civilian health plan. CHCBP provides continuous healthcare coverage on a temporary basis following the loss of your military benefits.
CHCBP is administered by Humana Military, providing qualified beneficiaries with optional healthcare for 18–36 months after military care benefits end. It is available to former qualified uniformed service members, their family members, former spouses who have not remarried, adult children and unmarried children by adoption or legal custody.
CHCBP is not a TRICARE program, but it offers coverage comparable to TRICARE Select Group-B with similar benefits, providers and program rules. CHCBP is considered minimum essential coverage, meeting the healthcare reform law required through the Affordable Care Act. Other healthcare coverage options are available at healthcare.gov.
Former ADSMs and their family members may qualify for CHCBP coverage when:
Duration of coverage: Up to 18 months
*Former ADSMs and their family members qualify for CHCBP when TAMP benefits expire.
For members of the Select Reserve, members of the Retired Reserve, and their families, the CHCBP 18-month eligibility begins at the end of the active duty service or TAMP period, or upon termination of coverage under TRICARE Reserve Select (TRS) or TRICARE Retired Reserve (TRR). For military family members to enroll, the sponsor must also enroll and purchase a family plan.
Duration of coverage: Up to 18 months
Former spouses who have not remarried may qualify for CHCBP when:
Duration of coverage: Up to 36 months
*Certain former spouses who have not remarried before age 55 may qualify for an unlimited duration of coverage.
Dependents of sponsors (includes children who were adopted or were placed in the legal custody of a uniformed service sponsor) may qualify for CHCBP when:
Duration of coverage: Up to 36 months
*Children between the ages of 21 - 25 who lose eligibility for TRICARE or TAMP may qualify to purchase TYA coverage instead of CHCBP. Purchasing TYA coverage after losing TRICARE or TAMP coverage offers additional coverage options and may extend the qualification to purchase CHCBP coverage.
You will be notified by the uniformed services or the Defense Manpower Data Center (DMDC) when you are eligible.
To enroll in CHCBP, submit the following:
You must mail the required items to:
Humana Military
Attn: CHCBP
PO Box 740072
Louisville, KY 40201-7472
Fax: (502) 322-8108
Please note:
CHCBP provides two types of coverage plans: individual or family. Coverage must be purchased in 90-day increments.
Premium for individual coverage: $1,813 per quarter
Premium for family coverage: $4,539 per quarter
When you receive medical care under CHCBP, you will be responsible for paying an annual deductible and cost-shares for covered services. These amounts are based on the sponsor's status at the time of enrollment and the type of provider seen.
Compare costs
Please note:
Premiums may only be refunded under two conditions:
Network providers
A TRICARE network provider accepts TRICARE’s payment as a full payment for any covered healthcare services you get (less any cost-shares and your deductible) and files claims for you.
Non-network participating providers
Providers who participate in TRICARE accept TRICARE’s payment as full payment for any healthcare services you get (less any cost-shares and your deductible) and file claims for you on a case-by-case basis.
Non-network nonparticipating providers
You may have to pay a nonparticipating provider up front and file a claim with TRICARE for reimbursement. Nonparticipating providers do not accept TRICARE’s payment as full payment for covered healthcare services. They may charge up to 15 percent above the TRICARE-allowable charge. You are responsible for paying this amount in addition to any applicable patient costs. You are responsible for filing a claim when using a nonparticipating provider. They will not file a claim for you. Learn how to file a CHCBP claim
**Note: CHCBP enrollees may not use military hospitals and clinics except in emergency situations.
Filing CHCBP claims
If you have to file your own claim, you should send your claim form as soon as possible after you receive care. The sooner your claim and other paperwork are received, the sooner you or your provider will be paid. In the US and US territories, claims must be filed within one year of service. In all other overseas areas, claims must be filed within three years of service.
To file a CHCBP claim, complete the Patient's Request for Medical Payment (DD Form 2642), include a copy of your CHCBP ID card and a copy of the provider's bill ensuring the following information is included:
Form and supporting documentation can be mailed to:
CHCBP Claims
PO Box 7981
Madison, WI 53707-7981
For prescription claims, mail to:
Express Scripts
ATTN: CHCBP Pharmacy Claims
PO Box 52132
Phoenix, AZ 85072