Back to Top Skip to main content

Continuing TRICARE health coverage after retirement

Take Command of Your Health Take Command of Your Health

Recommended Content:

TRICARE Health Program

When you retire from active duty or turn age 60 as a retired reserve member, your TRICARE coverage changes. After either of these Qualifying Life Events (QLEs), you must take action and enroll in a TRICARE retiree health plan so that you and your family members don’t have a gap in your TRICARE coverage after retirement. Typically, you have up to 90 days after your retirement date to enroll in a TRICARE plan as a retiree. If you don’t, you and your family members will only be able to get care at a military hospital or clinic if space is available.

Each service is responsible for updating the Defense Enrollment Eligibility Reporting System (DEERS) with your retirement date. Until that date is posted to DEERS, you can’t enroll in a retiree TRICARE plan. In some cases, the retirement date doesn’t show up in DEERS until days or even months after you’ve retired. For the time being, the Defense Health Agency (DHA) is allowing retiring members and their eligible family members up to 12 months from their retirement date, or turning age 60 (for retired reserve members).

“This 12-month period is longer than the standard QLE period of 90 days,” said Mark Ellis, TRICARE SelectStarting on January 1, 2018, TRICARE Select replaces TRICARE Standard and Extra. TRICARE 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 Program Manager, DHA. “This allows plenty of time to update DEERS and enroll in a TRICARE health plan as our new retirees adjust to civilian life.”

Coverage must begin effective the day after you ended your previous TRICARE coverage, and any TRICARE enrollment fees must be paid retroactive to that date.

Continuing TRICARE health care coverage isn’t automatic following these QLEs. If you don’t enroll in a plan after retiring from active duty or turning age 60, you’ll lose TRICARE coverage and only be able to receive care at military hospitals and clinics if space is available. After the 12-month period, you may only enroll in or make changes to your health plan during the annual TRICARE Open Season or following another QLE.

You’ll need to make sure you update your and your family’s information in DEERS. You and your family members will also need new identification cards upon the sponsor’s status change. No matter when you enroll within the 12-month period, coverage begins on the first day of your retirement and you must pay all enrollment fees back to that date.

Retiring from Active Duty

If you’re retiring from active duty, you previously paid nothing out of pocket and your family’s costs were minimal (if covered under TRICARE Select). As a retiree, you’ll now pay retiree costs for care. Depending on the retiree TRICARE health plan you choose, you may see an increase in your enrollment fees, deductibles, copayments, cost-shares, and other fees.

Retired Reservists Turning Age 60

If you’re a retired reserve member who turns age 60 and were enrolled in TRICARE Retired Reserve (TRR), your TRR coverage ends the day you turn age 60 and become eligible for TRICARE PrimeA managed care option available in Prime Service Areas in the United States; you have an assigned primary care manager who provides most of your care.TRICARE Prime or TRICARE Select coverage. You must have your retirement fully completed with your service personnel office or command. This means your retirement pay is processed and activated with the Defense Finance and Accounting Services.

To confirm your retired status is properly reflected in DEERS, visit https://www.dmdc.osd.mil/milconnect or call the DEERS Support Office (1-800-538-9552). Once DEERS is accurate, enroll in a TRICARE health plan based on your residence within 12 months from your 60th birthday. As a retiree, you’ll pay retiree costs such as enrollment fees, deductibles, copayments, and cost-shares.

Health Plan Options

You and your family members may be eligible for one of the following TRICARE health plans:

Visit the TRICARE Plan Finder to learn more about your options. Once you enroll in a TRICARE health plan, you also have pharmacy coverage.

Dental and Vision Options

Retiring service members and their eligible family members have the option to enroll in the Federal Employees Dental and Vision Insurance Program (FEDVIP). You don’t have to be enrolled in a TRICARE retiree health plan to purchase dental coverage. However, you must be enrolled in a TRICARE health plan to potentially qualify to purchase vision coverage through FEDVIP. For more information about FEDVIP and to check your eligibility, visit the FEDVIP website.

Learn more about retiring with TRICARE by downloading the Retiring from Active Duty Brochure and Costs and Fees Sheet. Take command of your health and understand your benefits before you retire.

You also may be interested in...

DS Logon

Video
8/15/2019
DHA Seal

This video describes the various portals you can access through your DS Logon account

Recommended Content:

TRICARE Health Program | Military Health System Electronic Health Record | MHS GENESIS

TRICARE Preventive Services

Video
1/14/2019
TRICARE Preventive Services

Watch this video to learn more about all the preventive services your TRICARE benefit covers.

Recommended Content:

TRICARE Health Program | Preventive Health

TRICARE Open Season 2018

Video
9/19/2018
TRICARE Open Season 2018

TRICARE is establishing an open enrollment season. Watch this video to learn more about what this means for your TRICARE benefit.

Recommended Content:

TRICARE Health Program

Retiring from active duty 2018

Video
9/10/2018
Retiring from active duty 2018

Watch this video to learn more about your TRICARE options when you retire from active duty

Recommended Content:

TRICARE Health Program

TRICARE Changes Urgent Care

Video
4/3/2018
TRICARE Changes Urgent Care

Recommended Content:

TRICARE Health Program

TRICARE Changes: Are you ready? #TakeCommand

Video
12/8/2017
TRICARE Changes: Are you ready? #TakeCommand

This video spot describes the changes that are coming in 2018.

Recommended Content:

TRICARE Health Program

TRICARE Changes: New Regions #TakeCommand

Video
12/8/2017
TRICARE Changes: New Regions #TakeCommand

This video spot describes how the three TRICARE regions are changing to two.

Recommended Content:

TRICARE Health Program

TRICARE Changes: New Provider Directories #TakeCommand

Video
12/7/2017
TRICARE Changes: New Provider Directories #TakeCommand

To find a network providers in your region visit: TRICARE East- https://www.tricare-east.com TRICARE West- https://www.tricare-west-com

Recommended Content:

TRICARE Health Program

All of the Updates - TRICARE Changes

Video
11/3/2017
Doctor and patient talking in an exam room.

All of the updates to the new health care system

Recommended Content:

TRICARE Health Program
<< < 1 > >> 
Showing results 1 - 9 Page 1 of 1

DHA Address: 7700 Arlington Boulevard | Suite 5101 | Falls Church, VA | 22042-5101

Some documents are presented in Portable Document Format (PDF). A PDF reader is required for viewing: Download a PDF Reader or learn more about PDFs.