Does a divorced spouse keep TRICARE coverage?
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).
Related Video
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.
What coverage should I add once I'm enrolled in TRICARE?
TRICARE covers medical care but leaves gaps in dental, vision, life insurance, and legal planning. Most military families add at least one supplemental product within the first year.
Compare Supplemental OptionsShare this page
Was this FAQ helpful?
Need personalized help with this?
Most military families leave benefits on the table. Our free 2-minute coverage check identifies gaps, finds potential savings, and gives you personalized recommendations.
Check My Coverage