If You Lose TRICARE Coverage
You may lose TRICARE coverage for a number of reasons. For instance:
- Separating from the service
- Loss of eligibility due to age
- Change in marital status
When you lose TRICARE coverage:
- You may qualify for 180 days or transitional health coverage through the Transitional Assistance Management Program (TAMP)
- Dependent children who age out of TRICARE may qualify to purchase TRICARE Young Adult (TYA) coverage up to the age of 26
- After TRICARE, TYA, or TAMP ends, you may purchase Continued Health Care Benefit Program (CHCBP) coverage. You will get an additional 18-36 months of coverage
- You don’t have to purchase the CHCBP. Instead you may use your employer’s health insurance, Medicaid, any other plan offered through the Health Insurance Marketplace, or any other qualifying commercial coverage.
You need to get new minimum essential coverage before your TRICARE or transitional benefits end. If you don’t, you may have to pay a fee to the Internal Revenue Service for each month you don’t have it.
When you lose TRICARE eligibility, you can get a certificate of creditable coverage. The certificate serves as evidence of prior health care coverage under TRICARE, so that you can't be excluded from a new health plan for pre-existing conditions.