What are TRICARE Qualifying Life Events?
Quick Answer
Qualifying Life Events include PCS, marriage, divorce, birth, adoption, loss of coverage, and status changes that allow enrollment changes outside Open Season.
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Key Takeaways
- QLEs allow plan changes outside Open Season
- 90-day window to make changes
- Documentation required for most events
- Update DEERS before changing enrollment
Detailed Answer
Qualifying Life Events (QLEs) allow you to change TRICARE enrollment outside the annual Open Season period.
Common Qualifying Life Events
- PCS (Permanent Change of Station)
- Marriage or divorce
- Birth or adoption of child
- Death of spouse or child
- Loss of other health insurance
- Gain of other health insurance
Sponsor Status Changes
- Retirement from active duty
- Separation from service
- Change from active to reserve
- Activation of reserve member
- Sponsor death
Timing Requirements
- Must request change within 90 days of QLE
- Effective date is usually date of event
- Some changes may be retroactive
- Documentation required for most QLEs
Required Documentation
- Marriage: Marriage certificate
- Divorce: Divorce decree
- Birth: Birth certificate
- PCS: Orders
- Loss of coverage: Letter from employer
How to Report
- Update DEERS first
- Submit enrollment change through milConnect
- Contact regional contractor if needed
Related TRICARE Terms
Related Questions
How do I register in DEERS?
Register in DEERS at any ID card office (RAPIDS site) with required documents including military ID, marriage certificate, or birth certificates.
How do I switch between TRICARE Prime and Select?
You can switch plans during the annual Open Season (Nov-Dec) or after a Qualifying Life Event like PCS, birth, or marriage.
What else should I consider when enrolling in TRICARE?
Beyond your TRICARE plan choice, most military advisors recommend reviewing your life insurance, creating or updating your will, and checking your home/auto coverage — especially important during enrollment transitions.
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