Retired Service Members and Families
Your Health Plan Options
Retired service members and their families are eligible the following options:
Additionally, adult children who "age out" at 21 (or 23 if attending college) may qualify to purchase TRICARE Young Adult.
Your Dental Options
The TRICARE Retiree Dental Program is available to purchase for dental coverage.
Medically-Retired Service Members
To be placed on the Temporary Disabled Retirement List (TDRL), you must have a:
- Physical condition, injury or disease that renders you unfit for military service, and
- Disability rating of at least 30 percent, separate from the one given by the Department of Veteran's Affairs (VA).
You'll be re-evaluated at least every 18 months for a period of up to five years. At that point, it will be determined if your situation has improved, remained the same or has gotten worse. Depending on the outcome, you can be:
- Retained on the TDRL
- Separated from service
- Returned to duty or
- Placed on Permanent Disability Retirement List (PDRL).
As long as you are on the TDRL or PDRL, you're eligible for TRICARE benefits for retired service members as described above. Your eligible family members are also eligible.
If your Service disability rating is less than 30 percent and you're separated from active duty, you may qualify transitional health care benefits:
Retired National Guard or Reserve Members
Benefits for retired Reserve members are different depending on the sponsor's age:
- You can purchase the TRICARE Retiree Dental Program at any time.
- If under age 60, you may qualify to purchase TRICARE Retired Reserve.
- At age 60 (and when receiving retired pay), you and your family are eligible for the same benefits as all other retired service members (described above).
Learn more about benefits for retired Reserve members.