Military Divorce Checklist: Health Coverage Questions to Ask First


Divorce involves a long to-do list, and health coverage is easy to push down it. For military families, it should be near the top. Here are the questions to work through:

  1. When will coverage end? Most former spouses lose TRICARE when the divorce is final.
  2. Does the 20/20/20 rule apply? Twenty years of marriage, 20 years of service and 20 years of overlap may allow continued coverage.
  3. What about 20/20/15? This can mean about one year of transitional coverage.
  4. Is DEERS up to date? The sponsor must update it after the divorce.
  5. What is the backup plan? Options include CHCBP, employer coverage and the Health Insurance Marketplace.
  6. What about the kids? Biological and adopted children generally stay eligible. Stepchildren who weren’t adopted may not.

Coverage isn’t the only thing that can change. Commissary and exchange privileges, ID cards and housing allowances can too.

A good overview of these points is in this post on what military spouses should know about TRICARE after divorce. Writing your dates and deadlines down early makes the rest of the process less stressful.

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