Survivor Health Care

  • The sponsor’s military status at death
  • Whether the surviving family member is a spouse or child

Who is eligible for coverage?

The following scenarios provide an overview of survivor coverage:

Spouses remain eligible unless they remarry.

When does coverage change?

The coverage for surviving spouses changes to that of a retired family member after three years. The change is automatically reflected in DEERS. Surviving spouses will receive a letter from DEERS before the survivor status changes. This status change will affect health care options and out-of-pocket costs.

Coverage for children doesn't change—they are covered as active-duty Family members until they age out of TRICARE or lose eligibility for other reasons.

Visit the Tricare Plans and Eligibility  page for more information.