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Military Health System

Qualifying Life Events Toolkit

[To link directly to this toolkit from your websites, go to www.health.mil/QLEToolkit]

TRICARE QLE Web Banner

Military families experience lots of change. Many of these changes count as QLEs for TRICARE. 

QLEs provide a unique opportunity for beneficiaries to make enrollment changes. With TRICARE Prime, including the US Family Health Plan (USFHP), and TRICARE SelectTRICARE Select is a self-managed, preferred provider network plan. TRICARE Select is a fee-for-service option in the United States that allows you to get care from any TRICARE-authorized provider.  Enrollment is required to participate.TRICARE Select, the only other time beneficiaries can make enrollment changes is during the annual TRICARE Open Season.

A QLE for one family member creates a chance for all eligible family members to change their TRICARE health plan during a 90-day eligibility window. A QLE may also mean a beneficiary is no longer eligible for a TRICARE health plan.

Some QLEs may mean beneficiaries become newly eligible for certain premium-based health plans (TRICARE Reserve SelectA premium-based plan for qualified Selected Reserve members and their families.TRICARE Reserve Select, TRICARE Retired Reserve, TRICARE Young Adult, and the Continued Health Care Benefit Program). Enrollment in premium-based health plans can take place at any time throughout the year.

Use the tabs on the left to learn about your options after a QLE and what actions you can take.

Graphics

This digital toolkit provides a variety of graphics you can use on your digital and social media platforms to educate beneficiaries about TRICARE Qualifying Life Events. 


Activating

 This image describes how Activating may change your TRICARE plan options    This image describes how a change in sponsor status may change your TRICARE plan options


Adopting a Child

This image describes how adopting a child may change your TRICARE plan option  This image describes how adopting a child may change your TRICARE plan option


Birth of a Child

This image describes how giving birth may change your TRICARE plan options  This image describes how giving birth overseas in an active duty family may change your TRICARE plan options

This image describes how giving birth stateside in an active duty family may change your TRICARE plan options  This image describes how giving birth overseas in a retiree family may change your TRICARE plan options  This image describes how giving birth stateside in a retiree family may change your TRICARE plan options

  This image describes how giving birth stateside in an active duty family may change your TRICARE plan options  This image describes how giving birth overseas in an active duty family may change your TRICARE plan options

This image describes how giving birth overseas in an active duty family may change your TRICARE plan options  This image describes how giving birth stateside in an active duty family may change your TRICARE plan options  


Changing Command-Sponsorship Overseas

This image describes how a change in command sponsorship may change your TRICARE plan options This image describes how gaining or losing permission for family accompaniment


Children Becoming Adults

This image describes how children becoming adults may change your TRICARE plan options


Court Placement of a Child

This image describes how the court placement of a child may change your TRICARE plan options  This image describes how the court placement of a child may change your TRICARE plan options


Deactivating

This image describes how deactivating may change your TRICARE plan options  This image describes how death may change your TRICARE plan options


Death in the Family

This image describes how a death in the family may change your TRICARE plan options  This image describes how death may change your TRICARE plan options


Divorce or Annulment

This image describes how divorce may change your TRICARE plan options  This image describes how a divorce annulment may change your TRICARE plan options


Gaining or Losing Other Health Insurance

This image describes how losing or gaining OHI may change your TRICARE plan options  This image describes how losing or gaining OHI may change your TRICARE plan options


Getting Married

This image describes how getting married may change your TRICARE plan options  This image describes how getting married may change your TRICARE plan options


Going to College

This image describes how your child going to college may change your TRICARE plan options  This image describes how your child going to college may change your TRICARE plan options


Government-Directed Change

This image describes how a government directed PCM change may change your TRICARE plan options  This image describes how a government directed PCM change may change your TRICARE plan options

This image describes how a government directed health plan change may change your TRICARE plan options  This image describes how a government directed health plan change may change your TRICARE plan options


Moving

This image describe how moving may change your TRICARE plan options  This image describes how moving may change your TRICARE plan options


Retiring from Active Duty 

This image describes how retiring from active duty may change your TRICARE plan options  This image describes how retiring from active duty may change your TRICARE plan options


Separating from Active Duty

This image describes how separating from active duty may change your TRICARE plan options  This image describes how separating from active duty may change your TRICARE plan options


Turning Age 60

This image describes how turning age 60 may change your TRICARE plan options  This image describes how turning age 60 may change your TRICARE plan options


 Turning Age 65

 This image describes how turning 65 may change your TRICARE plan options  This image describes how turning 65 may change your TRICARE plan options


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TRICARE QLE: Having a Baby Stateside (Retiree Family)

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TRICARE QLE: Having a Baby Stateside (Retiree Family)

Children are eligible for TRICARE until age 21 (or 23 if in college). You need to take steps to register your newborn in DEERS and enroll him or her in a TRICARE plan. To learn more about TRICARE QLEs, visit www.tricare.mil/lifeevents.

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TRICARE QLE: Having a Baby Overseas (Retired Family)

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TRICARE QLE: Having a Baby Overseas (Retired Family)

Children are eligible for TRICARE until age 21 (or 23 if in college). You need to take steps to register your newborn in DEERS and enroll him or her in a TRICARE plan. To learn more about TRICARE QLEs, visit www.tricare.mil/lifeevents.

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TRIICARE QLE: Moving

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TRIICARE QLE: Moving

Your TRICARE eligibility doesn't change when you move. But it may change your health plan options. To learn more about TRICARE QLEs, visit www.tricare.mil/lifeevents.

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TRICARE QLE: Having a Baby Overseas (Active Duty Families)

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TRICARE QLE: Having a Baby Overseas (Active Duty Families)

Children are eligible for TRICARE until age 21 (or 23 if in college). You need to take steps to register your newborn in DEERS and enroll him or her in a TRICARE plan. To learn more about TRICARE QLEs, visit www.tricare.mil/lifeevents.

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TRICARE QLE: Turning 65 and Becoming Medicare-Eligible

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TRICARE QLE: Turning 65 and Becoming Medicare-Eligible

Turning age 65 and becoming Medicare-eligible is a qualifying life event. To learn more about TRICARE QLEs, visit www.tricare.mil/lifeevents.

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TRICARE QLE: Moving

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Your TRICARE eligibility doesn't change when you move. But it may change your health plan options. To learn more about TRICARE QLEs, visit www.tricare.mil/lifeevents.

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TRICARE QLE: Going to College

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TRICARE QLE: Going to College

While enrolled in college, children may be eligible for regular TRICARE benefits until their 23rd birthday or graduation, whichever comes first. To learn more about TRICARE QLEs, visit www.tricare.mil/lifeevents.

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TRICARE QLE: Losing or Gaining Other Health Insurance

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TRICARE QLE: Losing or Gaining Other Health Insurance

Any health insurance other than TRICARE is called "other health insurance." If you lose or gain other health insurance through your employer or a private insurance program, that is a QLE allowing you to make changes to your TRICARE coverage. To learn more about TRICARE QLEs, visit www.tricare.mil/lifeevents.

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TRICARE QLE: Retired National Guard or Reserve Member Turning 60

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TRICARE QLE: Retired National Guard or Reserve Member Turning 60

Retiring from the National Guard and Reserve isn’t itself a QLE. However, turning age 60 after having retired from the National Guard and Reserve is a QLE. Retired Reserve members have different TRICARE options available before and after age 60. To learn more about TRICARE QLEs, visit www.tricare.mil/lifeevents.

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TRICARE QLE: Retiring from Active Duty

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TRICARE QLE: Retiring from Active Duty

When retiring from active duty, sponsors and family members will have a change in status and plan options. You must re-enroll within 90 days after the retirement date. To learn more about TRICARE QLEs, visit www.tricare.mil/lifeevents.

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TRICARE QLE: Child Going to College

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TRICARE QLE: Child Going to College

While enrolled in college, children may be eligible for regular TRICARE benefits until their 23rd birthday or graduation, whichever comes first. To learn more about TRICARE QLEs, visit www.tricare.mil/lifeevents.

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TRICARE QLE: Government-Directed Health Plan Change

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TRICARE QLE: Government-Directed Health Plan Change

If the government no longer offers a certain TRICARE health plan in your area, you may elect to enroll in another TRICARE health plan. To learn more about TRICARE QLEs, visit www.tricare.mil/lifeevents.

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TRICARE QLE: Government-Directed PCM Change

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TRICARE QLE: Government-Directed PCM Change

If the government directs you to change your PCM from a network PCM to a military hospital PCM, or vice versa, it’s a QLE. This only applies if you have TRICARE Prime. This gives you the option to either accept the PCM change or switch to TRICARE Select to continue care through a network PCM. To learn more about TRICARE QLEs, visit www.tricare.mil/lifeevents.

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TRICARE QLE: Retiring from Active Duty

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TRICARE QLE: Retiring from Active Duty

When retiring from active duty, sponsors and family members will have a change in status and plan options. You must re-enroll within 90 days after the retirement date. To learn more about TRICARE QLEs, visit www.tricare.mil/lifeevents.

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TRICARE QLE: Death in the Family

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TRICARE QLE: Death in the Family

If your sponsor dies while serving on active duty, TRICARE continues to provide coverage for surviving family members. To learn more about TRICARE QLEs, visit www.tricare.mil/lifeevents.

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Last Updated: June 22, 2022
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