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How does remarriage affect TRICARE benefits?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
AI-assisted (gemini)
Quick Answer
New spouse can be added to TRICARE through DEERS. Former spouses eligible under 20/20/20 lose coverage upon remarriage before age 55.
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Key Takeaways
- New spouse can join
- 20/20/20 lost if remarried before 55
- Add to DEERS quickly
- Children eligibility varies
Detailed Answer
Marriage changes affect TRICARE eligibility.
New Marriage
- New spouse eligible
- Add to DEERS immediately
- Same benefits as original spouse
- Coverage starts upon registration
Former Spouse Remarriage
- 20/20/20 coverage lost at remarriage
- If remarried before age 55
- Cannot regain if divorced again
- Exception for remarriage after 55
Registration
- Marriage certificate required
- Update DEERS within 60 days
- Get ID cards
- Choose PCM if Prime
Children from New Marriage
- Stepchildren may be eligible
- Adoption changes eligibility
- Check specific requirements
- Register in DEERS
Tips
- Register promptly
- Understand former spouse rules
- Document everything
- Keep ID cards current
Sponsored
What do most military families add to their TRICARE coverage?
Most Popular
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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