Active Duty Family Member
ADFM
Quick Definition
Eligible family members of active duty service members.
Video Explanation
Full Definition
Active Duty Family Members (ADFMs) are eligible dependents of active duty service members who qualify for TRICARE benefits. This includes spouses, children, and certain other family members registered in DEERS.
Eligible family members include: • Legal spouses • Unmarried children under age 21 • Unmarried children ages 21-23 if enrolled full-time in college • Children with disabilities (regardless of age, if disability occurred before age 21) • Stepchildren who live with the sponsor
ADFMs receive priority TRICARE benefits with minimal cost-sharing. They can choose between TRICARE Prime (no enrollment fee, minimal copays) or TRICARE Select (with enrollment fees for some families). Unlike retiree family members, ADFMs have access to the most affordable TRICARE options.
Related Questions
Who is eligible for TRICARE?
Active duty members, retirees, National Guard/Reserve members, their families, survivors, and Medal of Honor recipients.
Does TRICARE cover my family members?
Yes, TRICARE covers eligible family members including spouses, children under 21 (or 23 if students), and children with disabilities.
Does TRICARE cover dental care?
TRICARE medical plans include limited dental (emergency only). Separate dental insurance available through FEDVIP program.
How does TRICARE cover pregnancy and maternity care?
TRICARE covers comprehensive maternity care including prenatal visits, delivery, postpartum care, and newborn care at no or low cost.
Does TRICARE cover eye exams and glasses?
TRICARE covers medical eye care and exams for conditions/diseases. Routine vision exams and glasses require separate FEDVIP vision insurance.
Does TRICARE cover college students?
TRICARE covers dependent children until age 21, or until age 23 if they are enrolled as full-time students at an approved college or university.
Does TRICARE cover braces and orthodontics?
TRICARE Dental Program (TDP) covers orthodontic treatment for dependent children. Coverage includes braces for dependents under age 21 (or 23 if full-time students) with a lifetime maximum benefit.
What is DEERS?
DEERS (Defense Enrollment Eligibility Reporting System) is the database that verifies eligibility for military benefits including TRICARE healthcare coverage.
Related Terms
Need more help?
Get instant answers about TRICARE terms and benefits from our AI Navigator
Ask the AI Navigator