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| CHCBP Plan Benefits | |||||||||
| Benefits under CHCBP are virtually the same as those under the TRICARE Standard program. This will include most care that is medically necessary and is not considered investigational or experimental. |
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A broad discussion of what benefits are covered, what benefits have special rules or limits, and what benefits are not covered can be found in the online TRICARE Beneficiary Handbook. If you are unable to find the information you need or if you are uncertain about the meaning of statements made in the handbook or online, you may contact Humana Military for further clarification. |
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| If you purchase this conversion health care plan, CHCBP may entitle you to coverage for preexisting conditions not covered by a new employer’s benefit plan. | |||||||||
Where to Get Care |
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| A “provider” is the person, business, or institution that provides health care. For example, a doctor is a provider. A hospital is a provider. An ambulance company is a provider. There are many other types of providers. |
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In addition to “provider type” being authorized, individual providers must also be certified by TRICARE. This usually means the providers are licensed in their state, and are TRICARE certified. If a provider is not certified, CHCBP cannot help pay for care from that provider. Most hospitals and many physicians are already authorized by TRICARE, but it is a good idea to check first. The hospital’s physicians referral service agrees to accept the TRICARE allowable charge as payment in full. Check with Humana Military if you are unsure if your provider is TRICARE-authorized. |
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Participating Providers Save You Money |
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Providers who “participate” (or accept assignment) in TRICARE agree to accept the TRICARE allowable charge as their full fee for your care. Therefore, after you have met your annual deductible, your CHCBP benefit will be based only on the allowable charge—no matter what the provider actually bills you. So with providers who participate in TRICARE and accept the allowable charge as full payment, you pay only your cost-share on the allowable charge for CHCBP covered care and for charges for any care you received not covered by CHCBP. |
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