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Can Air Force Continue Insurance Cobra After Discharge

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 Service member and/or Family member(s) are no longer entitled to military medical benefits. The Continued Health Care Benefit Program acts as a temporary bridge between military health benefits and a new civilian health plan for 18 to 36 months. Continued Health Care Benefit Program is a health care program with benefits similar to TRICARE Select .

Service members on active duty are eligible to enroll in Continued Health Care Benefit Program if they are separating.

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

  • Service members 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.

Continued Health Care Benefit Program can help ensure continuous health care coverage by acting as a temporary "bridge" between a Service member's military and future civilian health benefits. Once purchased, this health care plan may entitle Service members and/or Family members to coverage for doctor and nurse 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 Select program.

Eligible beneficiaries must enroll in Continued Health Care Benefit Program within 60 days following the loss of entitlement to the Military Health System. To enroll, the Service member 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 Continued Health Care Benefit Program.

  • A premium payment for the first 90-days of health coverage.

Depending on the beneficiary category, Continued Health Care Benefit Program coverage is limited to either 18 or 36 months. Eligibility periods are:

  • 18 months for separating Service members 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
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.

Note: Continued Health Care Benefit Program enrollees may not use MTFs and clinics except in emergency situations.

The current quarterly premium rates (October 1, 2021 - September 30, 2022) are:

  • Individual coverage: $1,654 per quarter

  • Family coverage: $4,079 per quarter

For more information, please call 1-800-444-5445 or visit the Continued Health Care Benefit Program webpage at:
https://www.humanamilitary.com/beneficiary/benefit-guidance/special-programs/chcbp/

or visit the TRICARE Continued Health Care Benefit Program web page:
https://tricare.mil/chcbp

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Source: https://myarmybenefits.us.army.mil/Benefit-Library/Federal-Benefits/Continued-Health-Care-Benefit-Program-%28CHCBP%29?serv=122