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Your options will change after you retire, especially if you move to another location. If you want more specific information based on what plan you're using now, please enter your current profile at the top of the page. After you retire, your profile answers will change.

When you retire, you don't lose the minimum essential coverage required under the Affordable Care Act.

Here's a quick look at how TRICARE changes when you retire.

Health Care Options

While on active duty, you must enroll in a TRICARE Prime option. Once you retire, you and your family can use any of the following health care options:

Covered Services

TRICARE continues to provide comprehensive coverage to you and your family, but some services are no longer covered:

  • Eye exams are only covered if you re-enroll in TRICARE Prime
  • Hearing aids not covered
  • TRICARE Extended Care Health Option services for family members not covered
  • Chiropractic care not covered
  • Dental option changes to the TRICARE Retiree Dental Program


While on active duty, you paid nothing out-of-pocket and your family's costs were minimal. Now, as a retiree, you'll see an increase in costs:

  • Annual TRICARE Prime enrollment fees
  • TRICARE Prime network copayments
  • TRICARE Standard and Extra costs increase by five percent
  • Catastrophic cap increases from $1,000 to $3,000 annually per family. Any amounts accrued towards the active duty family cap will apply to the retired famliy cap in the same fiscal year when the sponsor retires.
  • No change in prescription costs

Medicare Eligible Family Members

Medicare-eligible family members must have Medicare Part B coverage to remain eligible when you retire.

Moving after you retire?

If you move after you retire, be sure to update your address in DEERS.

Last Updated 4/16/2014

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