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TRICARE Retiree Program

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.

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  1. I turn 65 in March 2017. I want to research this stuff way ahead of time.

    I am now on Tricare Prime. I have a 15 yr old daughter (who will be going to college). And I plan on re-marrying (now divorced) and having more children. My next wife will be under 30 yrs of age.

    Was wondering what options/prices do I have for health insurance for myself and family when I turn 65.

  2. I am a retired veteran.I am 72 yrs old.I am insured thru Medicare and Tricare for life. my question is can i go to a military hospital for my blood tests and X-rays.

    • Help

      TRICARE covers services that are medically necessary (To be medically necessary means it is appropriate, reasonable, and adequate for your condition) and considered proven. However, there are special rules or limits on certain types of care, while other types of care aren’t covered at all. See here for more information:

  3. I would like to know ,how much pays Tricare pays for the medical Bill?, My understanding is:
    Tricare 75% ,beneficiary 25%.
    is this correct?

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