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How does COBRA work with TRICARE?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
AI-assisted (gemini)
Quick Answer
COBRA allows temporary continuation of employer health coverage, separate from TRICARE. It's expensive but may bridge coverage gaps.
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Key Takeaways
- Employer coverage continuation
- Separate from TRICARE
- Very expensive
- Bridge option only
Detailed Answer
COBRA is separate from TRICARE but can help with transitions.
What COBRA Is
- Continued employer coverage
- After job loss
- Up to 18-36 months
- You pay full premium
When Used with Military
- Civilian job loss
- Spouse loses employer coverage
- Bridge to other options
- Expensive but available
COBRA vs TRICARE
- Separate systems
- Different eligibility
- TRICARE preferred if eligible
- COBRA for civilian employment
Costs
- 102% of full premium
- Very expensive
- No government contribution
- May exceed $1,000/month
When to Consider
- Losing civilian job
- Pre-existing conditions (historical)
- Bridge to new coverage
- Compare to other options first
Related Questions
What is TAMP (Transitional Assistance Management Program)?
TAMP provides 180 days of premium-free TRICARE coverage after certain separations including deactivation from active duty over 30 days.
What happens to TRICARE when I separate from active duty?
TRICARE ends at separation unless you qualify for TAMP (180 days transition) or retire. Plan ahead for civilian health coverage.
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