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Does a divorced spouse keep TRICARE coverage?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
AI-assisted (gemini)
Quick Answer
Divorced spouses may keep TRICARE coverage if married 20+ years with 20+ years of military service overlapping by 20+ years (20/20/20 rule).
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Key Takeaways
- 20/20/20 rule provides lifetime benefits after divorce
- 20/20/15 rule provides one year transitional coverage
- CHCBP available for those who don't qualify
- Remarriage ends eligibility under 20/20/20
Detailed Answer
Divorced spouses may retain TRICARE eligibility under specific circumstances known as the 20/20/20 rule or the lesser 20/20/15 rule.
20/20/20 Rule (Full Benefits)
- Marriage lasted at least 20 years
- Sponsor served at least 20 creditable years
- At least 20 years overlap between marriage and service
- Provides full TRICARE benefits for life
20/20/15 Rule (Transitional Benefits)
- Marriage lasted at least 20 years
- Sponsor served at least 20 creditable years
- At least 15 years overlap (but less than 20)
- Provides TRICARE benefits for one year after divorce
If You Don't Qualify
- TRICARE coverage ends on divorce date
- May purchase CHCBP (Continued Health Care Benefit Program)
- CHCBP provides 36 months of transitional coverage
- Must apply within 60 days of losing TRICARE
Important Notes
- Remarriage ends 20/20/20 eligibility
- Can regain eligibility if subsequent marriage ends
- Must update DEERS after divorce
- Get legal assistance for benefit counseling
Related TRICARE Terms
Related Questions
Who is eligible for TRICARE?
Active duty members, retirees, National Guard/Reserve members, their families, survivors, and Medal of Honor recipients.
What is the Continued Health Care Benefit Program (CHCBP)?
CHCBP is temporary premium-based coverage for 18-36 months for those losing TRICARE eligibility due to separation, divorce, or aging out.
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