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retirees
How do I transition to TRICARE as a retiree?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
AI-assisted (gemini)
Quick Answer
Update DEERS to retired status, choose Prime or Select, enroll with your regional contractor, and understand retiree costs.
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Key Takeaways
- Update DEERS status
- Choose Prime or Select
- No coverage gap
- Understand retiree costs
Detailed Answer
Transition to retiree TRICARE requires several steps.
Update DEERS
- Status changes to retiree
- Happens automatically usually
- Verify information is correct
- Update address if moving
Choose Your Plan
- TRICARE Prime: Enrollment required
- TRICARE Select: Automatic coverage
- Compare costs and access
- Consider family needs
Enrollment
- Prime: Enroll with contractor
- Select: No enrollment needed
- Choose PCM (Prime)
- Get new ID cards if needed
Understanding Costs
- Retiree costs higher than active
- Prime has enrollment fees
- Select has premiums
- Both have cost shares
Timeline
- Coverage continuous at retirement
- No gap in benefits
- Enroll in preferred plan early
- Update prescriptions
Related TRICARE Terms
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What do most military families add to their TRICARE coverage?
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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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