What happens to TRICARE when you separate?

Direct answer: Separating from service changes TRICARE eligibility. The sponsor updates DEERS, then checks which plan, if any, still fits.

Applies to: All TRICARE plans · All regions

Details

Active duty coverage does not automatically continue in the same form after separation. Some people qualify for a transitional program, reserve coverage, or retiree coverage. Others need an employer plan or another civilian plan. The eligibility page and the current choices handbook are the official place to see which case is yours. Update DEERS before you book care under the old enrollment.

What to do next

Confirm this with your Primary Care Manager or regional contractor before scheduling — rules can vary by region and by service.