When there is a divorce, the sponsor must update the Defense Enrollment Eligibility Reporting System (DEERS) with a copy of the divorce decree. TRICARE eligibility for some family members may change:
Your benefits end at 12:01 a.m. on the day of the divorce, unless you meet the former spouse eligibility requirements. If you do, you'll continue to be eligible for TRICARE, and will use your name and health benefit number (not your former sponsor's) to schedule appointments and file claims.
- Biological and adopted children (of the sponsor) remain eligible for TRICARE up to age 21 (or age 23 if enrolled in college, learn more) as long as the child remains a dependent child (i.e. is not married or serving on active duty.)
- Stepchildren (who were not adopted by the sponsor) lose TRICARE eligibility once DEERS is updated with the divorce decree.
Loss of Eligibility
When you lose TRICARE, you also lose your minimum essential coverage under the Affordable Care Act. You'll need to make some decisions to avoid paying a fee for each month that you're not covered.
Using TRICARE with Other Health Insurance
TRICARE is always the second payer to any other health insurance (OHI) plan. After a divorce, if a child is covered by health insurance from the non-uniformed service parent, then TRICARE can still act as a second payer after the OHI. If the child(ren) visits the uniformed service member for extended periods of time, TRICARE is still the second payer, so make sure your child has the OHI information to get care away from home during these visits. >>View Custody Scenarios
You should review your OHI and TRICARE options carefully, to make sure you have the best coverage for your child(ren). >>Learn More about using TRICARE with OHI