What TRICARE coverage do surviving spouses receive?
Quick Answer
Surviving spouses of retired members or those who died on active duty can continue TRICARE coverage, subject to SBP enrollment.
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Key Takeaways
- Coverage continues
- SBP enrollment required
- Remarriage affects eligibility
- TFL at age 65
Detailed Answer
Surviving spouses have continued TRICARE eligibility.
Requirements
- Enrolled in Survivor Benefit Plan
- Or active duty death
- Not remarried (usually)
- Registered in DEERS
Coverage Options
- TRICARE Prime available
- TRICARE Select available
- TRICARE For Life at 65
- Same as retiree spouse
Active Duty Death
- 3 years full coverage
- Then based on SBP
- Special transition rules
- Casualty assistance helps
Costs
- Same as retiree family
- Prime enrollment fees
- Select premiums
- Standard cost shares
Remarriage
- Before 55: Lose coverage (usually)
- After 55: May retain
- Can regain if widowed again
- Complex rules apply
Related Questions
How does remarriage affect TRICARE benefits?
New spouse can be added to TRICARE through DEERS. Former spouses eligible under 20/20/20 lose coverage upon remarriage before age 55.
What happens to TRICARE when a service member dies?
Surviving family members may continue TRICARE coverage. Specific benefits depend on active duty status, retirement, and length of service.
What do most military families add to their TRICARE coverage?
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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