What TRICARE coverage is available for surviving spouses?
Quick Answer
Surviving spouses retain TRICARE eligibility indefinitely or until remarriage before age 55, with coverage matching their deceased sponsor's status.
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Key Takeaways
- Surviving spouses keep TRICARE indefinitely
- Remarriage before 55 ends eligibility
- Three years no-cost coverage after AD death
- Children remain eligible until age limits
Detailed Answer
Surviving spouses of military members maintain TRICARE eligibility under specific circumstances.
Survivors of Active Duty Deaths
- Retain TRICARE Prime or Select eligibility
- Three years of no-cost coverage (Transitional Survivor status)
- After 3 years, pay regular retiree rates
- Indefinite eligibility if not remarried before 55
Survivors of Retiree Deaths
- Retain same TRICARE eligibility as when sponsor alive
- Continue as retiree family member
- Pay retiree cost shares and enrollment fees
TRICARE For Life (Age 65+)
- Surviving spouse eligible when Medicare-entitled
- Must have Medicare Part A and B
- Same benefits as other TFL beneficiaries
When Coverage Ends
- Remarriage before age 55 ends eligibility
- Remarriage at 55+ does not affect eligibility
- If later marriage ends, eligibility may be restored
Children of Deceased Sponsors
- Remain eligible until age 21 (or 23 if student)
- May qualify for TRICARE Young Adult after
- Special rules for children with disabilities
Related TRICARE Terms
Related Questions
Who is eligible for TRICARE?
Active duty members, retirees, National Guard/Reserve members, their families, survivors, and Medal of Honor recipients.
What is TRICARE For Life and who qualifies?
TRICARE For Life is Medicare wraparound coverage for TRICARE-eligible beneficiaries age 65+ who have Medicare Parts A and B.
What coverage should I add once I'm enrolled in TRICARE?
TRICARE covers medical care but leaves gaps in dental, vision, life insurance, and legal planning. Most military families add at least one supplemental product within the first year.
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