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What happens to TRICARE when I separate from active duty?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
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Quick Answer
TRICARE ends at separation unless you qualify for TAMP (180 days transition) or retire. Plan ahead for civilian health coverage.
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Key Takeaways
- TRICARE ends at separation
- TAMP for 180 days (some)
- Retirees keep TRICARE
- Plan ahead for coverage
Detailed Answer
Separation from active duty ends most TRICARE coverage.
Immediate Changes
- Active duty TRICARE ends
- Family coverage ends
- Must plan alternative coverage
- TAMP may provide transition
TAMP Eligibility
- Involuntary separation
- Separation under certain conditions
- 180 days of coverage
- For member and family
If Retiring
- Full retiree TRICARE continues
- Prime or Select options
- Enrollment required
- Family stays covered
Alternative Coverage
- Employer health insurance
- ACA Marketplace plans
- VA healthcare if eligible
- COBRA (temporary, expensive)
Planning
- Know your separation date
- Apply for benefits early
- Research civilian options
- Don't gap coverage
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