When a retiree moves into Tricare for Life, dependent children don’t automatically follow. Instead, they remain on Tricare Prime or Select until age 21 (or 23 if in college), then may choose Tricare Young Adult until 26. In some cases, children may qualify for Medicare early, in which case their coverage shifts into TFL. Here’s what families need to know to prepare.

When a military retiree turns 65, they transition into Tricare for Life with Medicare A & B, but what happens to younger spouses and children? This guide explains how family coverage continues, how premiums are affected, and what you need to know to avoid surprises during this transition.