Free roadmap

Retiring from the military? Map your next health coverage.

Understand TRICARE, Medicare, VA health care, and coverage for your family.

Retirement changes the routine. Under 65? Approaching Medicare age? Have a spouse who needs a different path? The answers are not the same, so the roadmap is not either.

Military Retirement Health Coverage RoadmapNo cost

Which track fits your household

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ITwo tracks

The questions are different on each side of 65

A mixed-age household needs both, which is why that is its own option rather than a compromise between the two.

I

Under 65

Retiree TRICARE options and who is eligible
What happens to coverage when a civilian job starts
Paths for people without retiree TRICARE eligibility
Spouse and dependent coverage
Premiums, deductibles, networks, and prescriptions
The enrolment steps that follow retirement

II

65 and older

Medicare enrolment, and how it relates to TRICARE For Life
How Medicare, TRICARE, and VA care work alongside each other
Prescription coverage questions
Coverage for a spouse who is still under 65
Out-of-pocket costs and getting access to care
Enrolment timing, and where gaps open up

IIThree tools

Things you can actually fill in

I
Which coverage path applies to me?
A decision chart that walks from your retirement type to the paths actually open to you.
II
A household worksheet
Both spouses’ ages, what you hold now, your doctors, and your prescriptions, in one place.
III
A coverage checklist
What to do and in what order, with links to the official source for each step.

Who this is for, precisely

A military retiree and a veteran are not the same thing for health coverage purposes, and regular, medical, and Guard or Reserve retirement can each open different paths. The roadmap asks which one applies to you before it tells you anything, because getting that wrong sends you down the wrong track entirely.

This roadmap is education. We do not enrol you in TRICARE, Medicare, or VA health care, and we do not decide your eligibility. If a review turns up a genuine gap, we will say what might fill it. If it does not, we will say that instead.

Table 24 is an independent insurance agency, not affiliated with the military, VA, or Medicare.

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Pick your track and we will send the right checklist

There’s a seat saved for you.