Health insurance is a topic most military members don’t have to think much about while they are serving. Their health care needs are taken care of for them and their families so they can concentrate on their duties. But things change quickly once you remove your uniform for the last time.
In this article and podcast, we cover the various healthcare options for military veterans and their family members after they leave the military. The options available to you may vary depending on when and where you served, how long you served, your type of discharge (and whether or not it was involuntary or at the conclusion of your contract), whether you served on active duty or in the Guard or Reserves, and other factors. We also cover health care through the Department of Veterans Affairs, buying health insurance through the Affordable Care Act, and health care options for people with low income.
We have done our best to cover most scenarios, but it’s always possible there is something we missed. Please feel free to leave a question or comment here on the article and we’ll try to point you in the right direction.
Don’t Skip Health Insurance!
One quick note before we begin – it’s very easy to gloss over health insurance when you are separating from the military – there are hundreds of other major things you need to consider, such as finding a job and a new place to live, and making ends meet so you don’t fall behind on bills. But health insurance is something you don’t want to be without. Medical bills are one of the leading causes of bankruptcy, and health insurance can often help you avoid major out of pocket expenses. If possible, try to maintain your health coverage.
TRICARE Eligibility After Separating from The Military
Unfortunately, as we said before, you can’t always take your military health care benefits with you when you leave the military. There are a few exceptions to this, including military retirees, those who qualify for the Transitional Assistance Management Program (TAMP), and some veterans with service-connected disabilities.
In the first two examples, your family will also continue to be covered by the military health care system (Tricare). Those who qualify for medical coverage due to a disability may be eligible for Tricare or VA medical care, depending on their specific condition and how their separation was coded. This is something that will be determined when you separate (Here is the Tricare page that discusses injuries on active duty). In some instances, the coverage will include the veteran and family members, and in other cases, it may only cover the veteran. We will include more specific information for each program in the following paragraphs.
Veterans not eligible for military medical coverage: If you don’t meet the above eligibility qualifications for taking your Tricare benefits with you, then you will be required to find your own health care. This will apply to the vast majority of veterans who didn’t remain in the military long enough to reach retirement. We will cover a few other options for finding affordable health care coverage in this article. These tips can help you find the best places to get medical benefits to make sure your family is covered.
Military Retiree Health Care Options
Military retirees are eligible for health care benefits through Tricare. However, the plans available to you, and their related costs are determined by whether you retired from active duty or the Reserve Corps, and in some cases by where you live if certain options aren’t available in your location.
Active Duty Retirees:
If you are an active duty retiree, you should continue to be eligible for Tricare benefits. These benefits differ slightly from active duty benefits, as you will have to enroll and pay a small annual fee for family members. But the plans are close enough to the active duty plans that the transition should be relatively painless compared to seeking out your own insurance.
Prior to age 65, you will be eligible for Tricare Prime or Tricare Select. You will need to look closely into these options to see which is the best for you. Also, note that some retirees may only be eligible for Tricare Select if they don’t live in an area where Tricare Prime is available. Once retirees reach age 65, they are eligible for Tricare for Life, which can be used in conjunction with Medicare.
Here are a podcast and lengthy article on Active Duty Retirement Benefits, including health care benefits and many other benefits.
Guard / Reserve Retirees:
Members of the Reserve Corps who retire are eligible to receive the same retirement benefits as their active duty counterparts once they reach age 60. Prior to that, they are not eligible to receive Tricare Prime or Select. However, they are eligible for Tricare Retired Reserve, which is very similar to Tricare Reserve Select, except the veteran is required to pay the entire cost of the premiums; there are no subsidies from the government. This can be fairly expensive compared to what they may be used to, but it is comparable to many non-subsidized health care plans.
Many retired members of the Guard or Reserves under age 60 also work a civilian job. This may give the veteran access to an affordable employer-sponsored health care plan. Beyond that, veterans may be eligible for health care from the Department of Veterans Affairs, they may purchase their own health insurance through the Affordable Care Act exchanges or through a private health insurance plan, or they may be eligible for health insurance through Medicaid, which is a state-run program that offers health care coverage for low-income individuals. We cover all of these options later in this guide.
Here is a full Guard and Reserve Retirement Benefits Guide which explains several of these options, and many more benefits, in more detail.
Military Retiree Dental Care
As of November 2018, dental care is no longer offered to military retirees through Tricare. It is now offered to military retirees through the FEDVIP program (the same program that is used by civil service retirees). You can choose to use the retired military dental plans through FEDVIP, purchase dental care through a civilian employer, or choose to self-insure for dental coverage.
Note: Guard and Reserve retirees are eligible for military retiree dental care at age 60, the same as Tricare for health insurance.
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Guard and Reserve Health Care Options
I don’t want to tell anyone to rejoin the military simply to get health care coverage, but members of the National Guard and Reserves are eligible for Tricare Reserve Select, which is a very affordable health insurance plan, coming in at just over $50 per month for an individual, and $200 per month for a family.
The co-pays and out of pocket expenses are also very affordable. Again, one shouldn’t join the military for health care coverage, but if they miss the military environment and are seeking the other pay and benefits that come with serving, then this may be a good option.
We discuss Tricare Reserve Select and other benefits in the article and podcast discussing joining the Guard or Reserves.
Transitioning from Active Duty to the Civilian World
There are several plans available to military members when the transition out of the military. Which health care plan you may be eligible for depends on your individual circumstances. We will cover three major plans in this next section. After that, we will show you some of the plans that are open to everyone.
Transitional plans:
- Transitional Assistance Management Program (TAMP) – available to military members making an unexpected transition from the military. Also available for family members.
- Continued Health Care Benefit Program (CHCBP) – Similar to a civilian COBRA program; available to all military members when they leave the service. Also available for family members.
- VA Health Care – Available to certain veterans, depending on individual circumstances. We will show you how to know if you qualify. Veteran only.
Transitional Assistance Management Program (TAMP)
The Transitional Assistance Management Program (TAMP) is a short-term health care program that will give you and your family an additional 180 days of health care coverage after you separate from the military. The benefits are the same as active duty health care, and if you qualify, you and your family will receive DoD issued ID cards for access to health care on base.
TAMP is designed for military members and their families who are required to make a quick, and sometimes unexpected, exit from military service. Eligibility for TAMP depends on 2 factors: the reason you are separating from the military, and you must have an honorable discharge. Some qualifying reasons for separation include involuntary separation, stop-loss in support of a contingency operation, voluntary agreement to stay on active duty for less than one year in support of a contingency operation, receiving a sole survivorship discharge, and a few other select circumstances.
Involuntary Separation Guide – This article and podcast is an in-depth guide covering many of the struggles facing servicemembers facing an involuntary separation. Highly recommended if you need additional information about what to expect and how to cope with this transition.
If you are eligible for TAMP, it should show up in your DEERS profile, and it is recommended you apply for these benefits before you separate from the military. This will give you 6 additional months of active duty health care coverage, which will hopefully be enough time to find a civilian health care plan, or transition to the Continued Health Care Benefit Program (CHCBP), which is covered below.
If you do not qualify for TAMP, you and your family members may still be eligible for Continued Health Care Benefit Program (CHCBP) or some of the other healthcare options listed in this article.
Continued Health Care Benefit Program (CHCBP)
In the civilian world, companies offer their employees COBRA Health Insurance Coverage, which allows their employees to take their group health insurance with them when they leave their company. The only catch is the former employee is required to pay for the entire cost of the plan (i.e. it is no longer subsidized by their former employer). COBRA benefits are usually good for 18 months.
The military doesn’t have an exact COBRA program, but they offer something very similar to the Continued Health Care Benefit Program (CHCBP). Participants who are leaving the military health care system (Tricare) are able to buy into the CHCBP.
Program Eligibility: This program offers 18-36 months of benefits and is open to anyone who is leaving Tricare, including military members and their families, children who lose age eligibility for Tricare, divorced spouses, etc. This program is open to a wide variety of people, but there is a cost involved: the premiums for FY 2012 is $1,065 per quarter for individuals and $2,390 per quarter for families.
Here is more information about the Continued Health Care Benefit Program (CHCBP).
VA Health Care
There are many misconceptions about VA health care benefits, including who is eligible, and under which circumstances. You do not need to have a service-connected disability, you don’t need to have been wounded or injured during your service, and you don’t need to have served in a war zone to be eligible. In fact, eligibility can be as simple as when and where you served.
There are several ways to be eligible for VA health care benefits. Here are just a few (check with the VA for a personalized benefits counseling session to determine your eligibility, or visit the VA website):
- Returning Servicemembers
- Members with a Service-Connected Disability
- Eligibility Based on Other Circumstances
- Low-Income Veterans
Returning Servicemembers (OEF/OIF/OND) – The VA has a program that offers VA health care for veterans for up to 5 years after they separate from the military if the veteran deployed for a contingency operation after Nov. 11, 1998. Here is a quote from the VA website:
“Veterans who served in a theater of combat operations after November 11, 1998, are eligible for an extended period of eligibility for health care for 5 years post discharge.” (Source).
This program includes veterans from active duty, Guard, and Reserve and is for the veteran only. It does not offer health care benefits for family members.
Members with a Service-Connected Disability: Those with a Service-Connected Disability should be eligible for VA health care. However, their eligibility may only extend to the condition for which they have a disability rating. Other coverage may require out of pocket expenses or may be submitted to another insurance plan for payment. Be sure to check with the VA to determine the scope of your eligibility.
Other VA Health Care Eligibility: VA health care eligibility is based on many issues, including active duty military service, type of military discharge, service-connected disabilities, medical conditions incurred while in the service, location of service, and more. You can be eligible based on your service dates, deployments you served on, or other criteria. Here is the VA health care eligibility questionnaire.
Low-Income Veterans: The VA offers health care for low-income veterans. A recent change in the law (2015) removed net worth limitations. The VA will now only consider a Veteran’s gross household income and deductible expenses from the previous year. The VA automatically determines the veteran’s income and deductible expenses by matching records with the Internal Revenue Service and Social Security Administration. This reduces the burden on the veteran to file an annual income eligibility form each year.
Here is more information about VA Health Care Eligibility, and more information about enrolling in the VA health care system.
Civilian Health Care Options
The following health insurance options are usually available to the general public but are worth exploring when you are making the transition from the military, or any time you need to renew your plan or look for a new health insurance provider.
Here are some health care options available to the general public:
- Group and Individual Health Insurance – This includes employer-sponsored plans and plans that can be found through the Affordable Care Act.
- Student Health Insurance Plans – generally available to students at some community colleges and universities. Often very affordable.
- Medicaid and Low-Income Options – Income-based eligibility.
- Christian Health Sharing Ministries – such as Medi-Share, Liberty HealthShare, and others. These organizations are often more affordable than traditional health insurance but may have some limitations surrounding pre-existing conditions.
Group and Individual Health Insurance
Health insurance in the US is usually broken down into two categories: group health care coverage and individual health care coverage.
A group health care plan is a health plan that is shared by a large group of people. These plans are often offered by employers as part of your benefits. Tricare is an example of a group health care plan.
An individual health care plan is just what they sound like – a health care plan that is for an individual or an individual family and is not part of a larger group benefits plan. Many of these plans are part of the Affordable Care Act and can be found on Healthcare.gov, or a private website such as eHealthInsurance.com (which I personally found easier to use than the government website).
How to get a group health care plan: A general rule of thumb is that you will be able to get a group health insurance plan through an employer, trade group, or another large group. Some companies also offer health care benefits to part-time employees. It’s always a good idea to find out if there is a waiting period before you are eligible for benefits.
Individual health care plans: Individual health care plans vary by state and region, and there is no way I can list or cover them all on this site. The most important thing to know is what type of insurance you need, then compare plans to find the best cost/benefit ratio for your family. The best place I have found to compare individual health care plans online is eHealthInsurance.com, which offers a variety of health plans in each state. It doesn’t cost you anything extra to use a third party site, so feel free to shop around to find a site that you like.
There are pros and cons to both of these types of health care plans, and you can learn more about them here: Individual Health Insurance vs. Group Health Insurance.
Attending School? Look Into Educational Health Insurance
Most colleges and universities require students to carry health care coverage while attending school, and many of them also offer affordable health care plans to enrolled students and their families. Keep in mind that you need to be enrolled in courses to be eligible for these health care plans, so plan accordingly if you are separating from the military and won’t be starting classes for a few months.
Veterans with Low-Income
Low-income veterans may also be eligible for health care through Medicaid, depending on their income. This is a program sponsored by the state and federal governments. However, each state has different rules or requirements, so it is recommended that you visit your state website or an office where you can learn more about the options available to you, specific costs (if any), and other features. You should also be aware of the options available to you through the VA.
Health Care Options for Dependents
Some of the healthcare options above are available to the veteran and his or her dependents, while some of the options are only available for the veteran. You may need to mix and match your coverage to ensure all family members receive health care insurance.
For example, spouses and dependents are eligible under the Transitional Management Assistance Program (TAMP), and the Continued Health Care Benefit Program (CHCBP) – both mentioned above. Divorced members may also be eligible for certain programs. Dependents may also be eligible for Tricare up until age 26, depending on certain circumstances.
Be sure to ask questions and shop around to find the best deal for you and your entire family – even if it means the veteran receives health care from one place, and his or her dependents receive health care insurance from another provider.
Make sure you are covered
Health insurance is one of the most important types of insurance you can ever purchase – it doesn’t take much to run up a large hospital bill, and having insurance can protect you from major bills that may otherwise break you.
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Chris says
I was Active Duty Navy 1988 – 1994 and 1995 – 1999. Served on theater Operation Southern Watch and Desert Storm. Came back in the Navy as a Reservist ~2008 and just retired as a Reservist last year. No mobilizations while in the Reserves, but spent a lot of time on orders over the years. I won’t be age 60 for 10 years.
Have managed to keep Health Insurance for myself and my family over the years through my civilian employers. However, that may change very soon as I’m anticipating an employment gap due to a the contract I’m working under not being renewed.
I have some ongoing health issues and concerned lack of insurance could leave me in bad shape financially. I’ve looked at the civilian health insurance plans through the Exchanges (I reside in the state of Texas) and the premiums are completely unrealistic, particularly for anything with low deductibles and copays.
Any options out there for me? Having lived and worked abroad for the last several years in Japan, getting much of my health care in Japan, my eyes are opened to how dysfunctional the medical care system is in the United States. In Japan, I had an EGD procedure (camera down the esophagus) that includes general anesthesia (I was out the entire time), consultation with gastroenterologist, and multiple labs…the entire bill was less than $300.00 USD.
Grateful for any advice as I consider this next transition in my life.
Tony says
Ryan,
Do Tricare Select participants (retirees) have to switch over to medicare a and b at age 65 also? I am retired, age 40, just thinking ahead. I do currently have federal civilian position but not participating in a paid H.C. plan.
Ryan Guina says
Hello Tony, Military retirees transition to Tricare for Life at age 65. You can read more about this program here.
Best wishes.
Timothy Miller says
Hello. Let’s say I am 100% service connected and I have VADIP METLIFE tru the VA. Can I use that insurance at the VA for elective dental care or is the no real benefit having both. Can the VA charge my insurance company so I may receive better care like implant and fixed bridges? Thank in advance for your help.
Ryan Guina says
Hello Timothy, I don’t have access to plan information – so I don’t have an answer for you. This is a question you’ll need to run through the VA or through your insurance company. I wish you the best, and thank you for your service.
Karen says
I receive VA health benefits and have an employer health plan. I’m retiring shortly and the employer plan will end. Is there a need for additional insurance to supplement the VA health benefits? Thank you in advance.
Ryan Guina says
Hello Karen, I recommend contacting the VA to have an overview of your medical benefits. The VA health care system is sufficient for some veterans, but not for all situations. So it’s a good idea to understand what is covered.
I’m not sure if there are any VA health care supplemental programs. This is outside my area of expertise.
I wish you the best, and thank you for your service!
Anna Massey says
I’m divorce for 19 years,
Was married for 25, but 17 while he was in navy, got 3.9 benefits not full 20 20 20. Hawever only 17 Benedict while he was in navy and 8 as permanent alimony. But he stop the permanent alimony while at same time my young son turn 18 and run away from the state, No healthy insurance at all.
My question is has been 19 years divorce can I apply for dear programmers and enrolling in tricare. Thank you
Cody MCCLAIN says
I am a military dependent spouse and my spouse is being administratively separated from the army I was wondering if I would be able to get health care through any military benefits
Ryan Guina says
Hi Cody, The programs listed above may be available. You and your spouse should be able to go through an out-processing briefing in which you will be given information about available healthcare benefits.
Best wishes to you and your family!
Cody MCCLAIN says
Unfortunately the army does not have a out process procedure that is spouse friendly
KBW says
I am currently married to a Military Retiree with Tricare and I have been on Tricare for the last 15 years. My question is this- we are currently separated and in process of a divorce which is not final. My Military ID/benefit card will expire before the divorce is final. Does the Tricare coverage expire when the card expires? Or regardless of expiration on the card, as long as I am kept active in DEERS, medical coverage continues until the court finalizes the divorce? I have several health issues and cannot afford the loss of coverage for even a month.
Ryan Guina says
Hello KBW, Health care benefits after a divorce can vary based on several factors. I encourage you to speak with someone at the closest base to determine what your eligibility is and will be.
You can also contact TRICARE customer service with these questions. They will be better able to provide answers than I.
I wish you and your family the best.
Becky says
My husband was in the Air Force for 6 years and separated (honorably) in 2013. We have not had any health insurance since separation (my husband, myself and our son) and are wondering if we are eligible for any type of help with healthcare. He is offered health care through his employer, but it is far too expensive for us. The same goes for just about any other insurance we have looked into. Any info would be greatly appreciated. We’ve never used any type of VA benefits before other than a home loan because we do not know what we are eligible for or how it works.
Heather Aiolupotea says
Aloha Becky, I just happened to see your post and that no one has replied. I am a licensed health insurance agent. The plan offered by your husband’s employer is probably the best bet as far as quality and price go. If it’s financially out of reach, be sure to check healthcare.gov to see if you qualify for any subsidies. There are private plans available but some of them are real skimpy on coverage. You just have to look at the details. Some of them can provide great coverage but you just want to make sure you’re not left high and dry if you have a serious event.
Bradely Garber says
I am 60 years old and just retired from the Marine Corps Reserve, and am now receiving retirement pay. I am fully employed with full health care coverage (Health, Vision and Dental) by my employer.
Do I need to sign up for Tricare? Or do I wait until I am 65 – sign up for Medicare and then sign up for TriCare as a supplement to Medicare?
Mona Lisa Owens says
My late husband is retired army. He enrolled me and him for Tricare Prime. Even he went the VA medical, he continued to pay Tricare prime. When he passed away I continued paying Tricare prime. I don’t get any other insurance because tricare will be secondary. I don’t pay copay to all my doctor’s appointments including medication.
Randy says
Thank you in advance for the information. Question? I’m medically separated from the Marines prior to my four year contract ending and received lifetime medical can I later add a spouse and children? I was not married at the time of seoeration but am recently married, back in civilian life, do I have to purchase separate insurance for my wife and children?
Cindy says
My Navy son who was in the Navy for almost 5 years recently passed away. He was discharged just three months prior to our tragic event. I was told that his life insurance stayed active for 120 days after discharge. Can you verify that the insurance was still in force.
Ryan Guina says
Hello Cindy, I am sorry for your loss. I do not know how the insurance works after separation. I recommend contacting the Defense Finances and Accounting Service, which handles military pay.
Again, I’m sorry for your loss, and I hope this points you in the right direction.
AR says
Question : I am a disabled veteran. Our company is a government contractor who receives health and benefit monies for each employee. These monies at one time were given directly to us then a benefit program was started. We are forced to purchase the company health insurance pervrthe insurance providers rules(supposedly) . If you are retired military or have insurance through a spouse you are not required to purchase insurance. Being I am a disabled veteran with health coverage through the VA, can I be forced to pay for this insurance. The company pays nothing towards insurance , we liable for the total price of the plan
Thank you
Ryan Guina says
Hello AR, Thank you for contacting me. If you already have health insurance that covers your needs, I don’t see how they can force you to purchase something you don’t need. This is the equivalent to the other members in your company who are not required to purchase insurance (the retired military members who have TRICARE, and those who have access to health insurance through a spouse). I recommend speaking with your Human Resources department and informing them you have health care from a third party and do not require their health insurance. Ask them what the process is for waiving your health care option through them. I hope this is helpful. Best of luck, and thank you for your service!
Pete Gruber says
Thank You for looking into it for me.
I was USMC for 12 week and then 6 years on Reserve, 2155059 Sgt.
Pete Gruber