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How does TRICARE work for dual-military couples?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
AI-assisted (gemini)
Quick Answer
In dual-military couples, each spouse is their own sponsor for TRICARE Prime, and children can be enrolled under either parent's plan.
Key Takeaways
- Both spouses are sponsors in their own right
- Children can be under either parent's plan
- Consider MTF location for convenience
- Update coverage when one spouse separates
Detailed Answer
Dual-military couples where both spouses serve on active duty have unique TRICARE considerations.
Active Duty Sponsors
- Each service member is their own sponsor
- Both automatically enrolled in TRICARE Prime
- Both receive Prime benefits independently
- No enrollment fees for either
Children's Coverage
- Can be enrolled under either parent
- Choose parent whose plan is most convenient
- Consider location of MTF/PCM
- Can change when either parent has QLE
When One Spouse Separates
- Separating spouse becomes dependent of remaining AD
- Children can remain under either parent
- May need to update enrollment
- Divorcing changes eligibility rules
Special Considerations
- Remote assignments may affect MTF access
- Consider location when choosing children's coverage
- Coordinate care during deployments
- Both have survivor benefit options
Benefits
- Double access to military facilities
- More flexibility for appointments
- Childcare/dependent care benefits for both
- Either can be emergency contact
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 difference between TRICARE Prime and TRICARE Select?
TRICARE Prime is a managed care option with a primary care manager and lower costs. TRICARE Select offers more flexibility to choose providers with higher out-of-pocket expenses.