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

You may be eligible for dental coverage through the Federal Employees Dental and Vision Insurance Program (FEDVIP). >>Learn more

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 may be eligible for dental coverage through the Federal Employees Dental and Vision Insurance Program (FEDVIP). >>Learn more
  • If under age 60, you may qualify to purchase TRICARE Retired Reserve.
  • At age 60, 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.

Don't Lose Your TRICARE Benefits!

If you become eligible for Medicare under age 65 for a disability or any other reason, you must have Medicare Part B to keep TRICARE. >>Learn more about Medicare and TRICARE

Last Updated 12/19/2018