Who does not qualify for CHAMPUS coverage?

Family members over 65 years of age of retired personnel do not qualify for CHAMPUS coverage because once individuals reach the age of 65, they are typically eligible for Medicare, which provides comprehensive health care coverage. As a result, CHAMPUS (the Civilian Health and Medical Program of the Uniformed Services) is designed to provide health care coverage primarily for active duty military members and certain categories of dependents who are not eligible for other types of federal health care benefits, such as Medicare.

In contrast, family members of active duty personnel, retired military personnel, and family members of deceased military personnel generally qualify for CHAMPUS, as long as they meet other specific criteria. This includes certain conditions related to the health care needs that CHAMPUS is designed to address. Thus, the primary reason why option C is correct lies in the availability of alternative coverage through Medicare for individuals aged 65 and older, which excludes them from CHAMPUS eligibility.