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How long will your kids remain eligible for TRICARE?

If you are a military service member in San Antonio that is currently going through a divorce, then you may be wondering what sort of benefits that your ex-spouse and children will receive once your marriage has legally ended. Of all of the benefits that service members and their families receive, one of the most valued may be health insurance coverage through TRICARE (given the high cost of health care). Once your divorced is finalized, your ex-spouse’s TRICARE coverage ends at 12:01 that very day. Yet what about your kids?

According to TRICARE’s website, any biological or adopted children that you have will remain eligible for coverage until they meet the program’s designated age of maturity, which is 21. That eligibility remains even if you are killed while on active duty. Once they turn 21, your kids may remain eligible for coverage without having to meet any financial obligations if they are enrolled in an approved college or university. You must also continue to be providing more than half of their financial support during this time. Under this scenario, your kids can stay on your plan until the age of 23.

If one of your children does not choose to go to college, he or she may still retain his or her TRICARE coverage by enrolling in the plan’s Young Adult program. To be eligible, he or she must meet the following requirements:

  •          He or she must be unmarried
  •          He or she must be between the ages of 21 to 26
  •          He or she must not be eligible for an employer-sponsored health plan

In this case, he or she may remain eligible for coverage up to the age of 26. He or she will, however, have to pay a monthly premium. 

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