How does COBRA work with TRICARE?
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.
What do most military families add to their TRICARE coverage?
Supplemental health insurance is the most common addition — it covers dental, vision, and out-of-pocket costs that TRICARE leaves uncovered. Life insurance and a legal will are also highly recommended.
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