TRICARE Retiree Program Options
When you retire from military service, the National Guard or the Reserve, changes in your and your family’s TRICARE benefits will be affected depending on your options and age. If you are below the age of 65, choose a TRICARE program that will suit you and your qualified family members’ needs. Note that as you change status, information in your Defense Enrollment Eligibility Reporting System (DEERS) profile will need to be updated to reflect the changes.
Upon retirement, you can use any TRICARE program options for your family. If you choose TRICARE Uniformed Services Family Plan or TRICARE Prime, note that these plans require enrollment fees which may occur annually.
The annual enrollment fees for the TRICARE Prime program were increased by the 2012 Financial Year Act authorized by National Defense Authorization Act (NDAA). This was due to the adjusted annual cost-of-living. Medically retired service members and their dependents and survivors of military service deceased sponsors are exempt from the annual enrollment increment.
Military retirees aged 65 and older will have their health care coverage changed from TRICARE to Medicare & TRICARE for Life (TFL). Once you enroll in the TRICARE for Life program, your spouse will retain their TRICARE eligibility until they reach 65 years of age. If you need assistance or require additional information, call TRICARE for Life at 866-773-0404.