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Learn About TRICARE for Retirees

Tricare for retirees is a program that Tricare provides to ensure that the retired members of the United States Armed Forces have access to proper medical insurance both for them as well as their family members. Like its other program offerings, Tricare for retired military personnel focuses on those who served and retired due to age or other issues. There are different types of insurance available to retired military service men and women who wish to obtain health insurance once their service is complete.

Plans like Tricare Prime for retirees is just one of the health insurance plans available to those looking to enroll in a Tricare plan. Retirees also have options for dental insurance as well as medical insurance. There are options also available to retired National Guardsmen and woman as well as Reservists. You can find out more about Tricare for dependents of retirees in addition to the services provided to retired military personnel by downloading our comprehensive free guide.

Information About Health Care Plans for Retirees

Tricare retiree medical plans are varied to suit the needs of individual retired military servicemen and women and their eligible family members. The various retiree Tricare plans include the following options which are available to those who qualify:

  • TRICARE Prime – Tricare prime retiree plans behaves much like normal Tricare prime except that unlike the plans for active duty military sponsors and their families, those on the retiree version of Tricare Prime are obligated to pay an annual enrollment fee as well as copayments when receiving treatment.
  • TRICARE Select – The Select plan offered by Tricare for retired military personnel and their families is available for purchase and carries with it a fixed, low deductible that has a cap to make it affordable on fixed incomes.
    • TRICARE Select Overseas – This version is suited for those who are stationed or living overseas and wish to have coverage for them and their families.
  • S. Family Health Plan – This is another version of a regular Tricare health plan offered to retirees. As with the version of Prime for retirees under Tricare, this version assesses enrollment fees and copayments for service whereas the version for active duty servicemembers does not.
  • TRICARE Retired Reserve – Any retired members of the National Guard or the Reserves may purchase Tricare Retired Reserve plans to cover them and their family members. They have the option to purchase these plans until they reach the age of 60. The Tricare retired reserve cost include having to pay annual enrollment fees as well as copays for any medical services rendered.
  • TRICARE for Life – This Tricare retiree plan is available to retirees over the age of 65. For those wishing to purchase this plan and who live inside the United States, it is a supplement to Medicare. Because Medicare does not provide coverage outside of the U.S. or to U.S. territories, Tricare For Life is the primary payer for any health care administered outside the United States.
  • MEDICARE – Medicare is a health care insurance plan that covers those over the age of 65, some people with disabilities who are under the age of 65, and people suffering from End Stage Renal Disease, which is a failure of the kidneys that is permanent and requires dialysis or a kidney transplant.

Find Out About TRICARE Retiree Dental Coverage

Tricare for retirees includes a dental insurance program that was authorized by Congress to provide basic dental services to retired uniformed service personnel and their families. The United States Department of Defense works in conjunction with Delta Dental to administer this dental insurance plan. This Tricare for retired military personnel health plan is completely voluntary and is open to enrollment for any of the following people:

  • Retired service members
  • Family members of retired service members
  • A retired National Guardsman or woman or a member of the Reserve
  • A family member of a retired National Guardsman or woman or member of the Reserves
  • Any recipient of the United States Congressional Medal of Honor
  • Any family member of any recipients of the U.S. Congressional Medal of Honor
  • Any survivors of retired U.S. Armed Forces servicemen or women

The dental plans for retirees cover their insureds living both in the United States and in all overseas areas. The services available with these dental plans includes the following:

  • Exams, cleanings, x-rays, sealants, and fluoride treatments
  • Fillings
  • Root canal procedures
  • Any necessary gum surgery
  • Any necessary oral surgery and/or tooth extractions
  • The installation or replacement of any crowns and/or dentures
  • Any necessary orthodontics

Learn About TRICARE Pharmacy Benefits

Tricare for retirees programs provide a pharmacy benefit for retired servicemen and women who require ongoing medication for a variety of reasons. There is also a select maintenance system where those who require ongoing maintenance medications can receive all their refills via the Tricare program, but they must do so using a Tricare pharmacy home delivery option or use a military pharmacy. They may not use a retail pharmacy.

What services are available for medically retired service members?

Tricare for retirees may apply to those who do not meet the age requirements but have sustained some injury or disability which may qualify them for Tricare retirement plans for military personnel. Those who have these disabilities are considered medically retired and may be place on a Temporary Disabled Retirement List (TDRL). In order to qualify for the TDRL you must meet the following conditions:

  • You must have a physical condition, injury, or disease that renders you unable to participate in your military service duties.
  • You must have a disability rating of no less than 30 percent, and this must be an independent rating given separately from the one designated by the Department of Veterans Affairs (VA).

Reevaluations occur every 18 months for up to five years. Once the five-year period has expired a determination will be made as to whether or not the situation has improved, remained static, or has deteriorated and become worse. Depending on the outcome retirees can be:

  • Kept on the TDRL
  • Separated from service
  • Returned to duty
  • Placed on Permanent Disability Retirement List (PDRL)

For more information, download our free guide.