Table 5-2.-Eligibility for USHBP
(USHBP) (table 5-2). Dependents can receive
health care at military facilities on a space-
available basis or can obtain care through the
Civilian Health and Medical Program of the
Uniformed Services (CHAMPUS).
CHAMPUS
Through CHAMPUS the government shares
the cost of medical care from civilian hospitals
and doctors. Although CHAMPUS is an excellent
health care plan, you need to know the following
limitations on its coverage:
Pays 80 percent of the allowable cost.
Requires a deductible of 0 per person
or 0 per family each year (1 Oct. to 30
Sep.).
Pays for prescriptions filled by civilian
pharmacies when the medication is not
carried at a military hospital.
Imposes a catastrophic cap of
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,000 for
active-duty personnel and ,000 per year
for retired personnel.
Pays for outpatient care in civilian
hospitals; pays for in-patient care only if
a nonavailability statement is obtained
from a military hospital before the patient
is admitted
The CHAMPUS Handbook, available from
your local military hospital, fully explains CHAM-
PUS benefits. Consult your local CHAMPUS
representative if you have questions.
FINANCIAL COUNSELING
Your local command financial counselor,
Family Service Center, and credit union provide
financial counseling. Additionally, many military
professional organizations provide financial
counseling to members at no charge.
Financial counseling is one of your benefits.
Use it if you need it or if you would just like to
find a better way of handling your finances. Never
provide financial counseling to your subordinates,
even if they request it. Refer them to one of the
organizations just mentioned.
ROLES DURING CAREER
PROGRESSION
Your role and function as a chief petty officer
will progress through three distinct phases
5-12
