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What happens to TRICARE when I leave the military?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
AI-assisted (gemini, gpt-4o)
Quick Answer
TRICARE ends at separation unless retiring. TAMP provides 180 days for qualifying separations. CHCBP offers up to 36 months premium-based transitional coverage.
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Key Takeaways
- Retirees keep TRICARE
- Separating: coverage ends
- TAMP: 180 days if qualified
- CHCBP: 36-month bridge
Detailed Answer
TRICARE after military separation:
If Retiring (20+ years)
- Keep TRICARE for life
- Choose Prime or Select
- Family remains covered
- Pay applicable fees
If Separating (Not Retiring)
- TRICARE ends at separation
- May qualify for TAMP
- CHCBP available
TAMP (180 Days)
- Transitional Assistance Management Program
- For involuntary/certain voluntary separations
- Free continuation of TRICARE
- Family included
CHCBP (36 Months)
- Continued Health Care Benefit Program
- Premium-based coverage
- Must apply within 60 days
- Bridge to civilian insurance
Planning Ahead
- Start 6 months before separation
- Explore ACA marketplace options
- Consider employer coverage
- VA healthcare for veterans
Helpful Tips
- Plan 6 months ahead
- Apply for CHCBP within 60 days
- Explore all options
Sponsored
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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