What divorced spouses should know about CHCBP health insurance

What divorced spouses should know about CHCBP health insurance

| Feb 12, 2021 | Military Divorce |

A divorce is a life-changing event, particularly for individuals who are in the military or are a military spouse in Pensacola, Florida. The end of a marriage creates enough uncertainty without the fear of losing much-needed healthcare benefits. Couples who divorce with one spouse in the military may result in the loss of some benefits to the non-serving spouse.

However, one benefit remains and can provide you with a health care program to keep you covered.

The Continued Health Care Benefit Program

Within 60 days after the finalization of a divorce and the loss of eligibility, you must purchase the Continued Health Care Benefit Program (CHCBP) to start on the first day after your previous benefits ended. Essentially, it buys you time following your military divorce to secure a new health plan for yourself as your children will remain covered under the active-duty spouses’ health plan.

In order to enroll, you must complete an application form with attention to every detail. You do have to submit your final military divorce documentation as well. Finally, be sure to provide payment for your first 90 days of healthcare coverage under the new plan.

While the program will cover post-divorce health needs for preexisting conditions, basic doctor visits, and more, it is only a temporary solution and lasts up to 36 months. Reapplying is an option every 90 days if you meet the specific criteria. However, these renewals must be paid before the expiration date each quarter for those covered to remain eligible.

Legal help to ease the entire divorce process

Divorce is an emotionally charged subject and event. A once clear future is hazy. Fear alone will impair rational decision making. Handling it without legal help can only undermine your post-divorce future. Though military benefits may end, you are still eligible for some healthcare plans. Consult a lawyer today to make the divorce process smoother and get the paperwork you need for your healthcare coverage.