Tricare Coverage After Divorce: Understanding Eligibility and Options

Divorce can bring about several changes in life, including adjustments to health insurance coverage. In the case of military members, their former spouses might be eligible for continued Tricare coverage for up to a year after the divorce finalizes. However, recent research has raised questions about eligibility timelines, leaving many concerned about potential healthcare debts.

Tricare Eligibility After Divorce

Tricare is a health insurance program provided by the Department of Defense for active-duty military members, their dependents, and retirees. Under certain circumstances, former spouses may also be eligible for Tricare coverage.

According to the Tricare website, former spouses who do not meet the 20/20/20 rule (have been married to the military member for at least 20 years, the military member has at least 20 years of service, and the former spouse has been married to the member for at least 20 years of that service) may be eligible for continued Tricare coverage for up to one year after the divorce is finalized. However, this is only if the former spouse was enrolled in Tricare Prime at the time of the divorce and meets other eligibility criteria.

Verifying Tricare Eligibility

The best way to verify Tricare eligibility after a divorce is to contact Tricare directly. You can call the Tricare Customer Service number for your region or visit their website. A Tricare representative can provide specific information about your eligibility and answer any questions you may have.

Healthcare Options if Not Eligible for Tricare

If you are not eligible for continued Tricare coverage, you will need to explore other health insurance options. Medicaid is a government health insurance program that provides coverage to low-income individuals and families. Depending on your income level, you may be eligible for Medicaid. You can apply for Medicaid through your state’s Medicaid agency.

Another option is to purchase a health insurance plan through the Health Insurance Marketplace. The Marketplace is a federal website where individuals and families can shop for health insurance plans. You can compare plans from different insurance companies and choose the plan that best meets your needs and budget.

Importance of Seeking Professional Guidance

Navigating health insurance after divorce can be overwhelming. It is important to seek professional guidance from a licensed insurance agent who can help you understand your eligibility options and find the best coverage for your needs. Contacting a licensed insurance agent will ensure that you fully understand your choices and will help minimize any confusion or financial risk.