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Coast Guard Sector Columbia River MH-60 Jayhawk helicopter pilots Lt. Kyle Murphy, Lt. Patrick Wright, Lt. j.g. Jason Weeks, Ensign Dave Strojny, Lt. Cmdr. James Cooley and Lt. Jonathan Ralston hold their new babies at the base hangar in Warrenton, Ore., June 13, 2017. Six babies have joined the Coast Guard aviation family within the last 5 months. (U.S. Coast Guard photo by Petty Officer 1st Class Levi Read.)

Qualifying Life Events

[To link directly to this toolkit from your websites, go to www.health.mil/QLEToolkit]

Military families experience lots of change. Many of these changes count as QLEs for TRICARE. 

QLEs provide a unique opportunity for beneficiaries to make enrollment changes. With TRICARE Prime, including the US Family Health Plan (USFHP), and TRICARE Select, the only other time beneficiaries can make enrollment changes is during the annual TRICARE Open Season.

A QLE for one family member creates a chance for all eligible family members to change their TRICARE health plan during a 90-day eligibility window. A QLE may also mean a beneficiary is no longer eligible for a TRICARE health plan.

Some QLEs may mean beneficiaries become newly eligible for certain premium-based health plans (TRICARE Reserve Select, TRICARE Retired Reserve, TRICARE Young Adult, and the Continued Health Care Benefit Program). Enrollment in premium-based health plans can take place at any time throughout the year.

Use the tabs on the left to learn about your options after a QLE and what actions you can take.
 

Types of Qualifying Life Events

There are more than 20 different life events that count as TRICARE QLEs. Rules and restrictions apply to each. Download the TRICARE Qualifying Events Fact Sheet at www.tricare.mil/publications or visit www.tricare.mil/lifeevents to learn more.

View TRICARE QLEs

 

Taking Action After a QLE

After experiencing a qualifying life event, beneficiaries must take action to ensure uninterrupted TRICARE coverage. Even if you don't want to make any changes to your health plan, you must update your information in the Defense Enrollment Eligibility Reporting System.

Follow these steps after your QLE

 

TRICARE 101

TRICARE 101 helps beneficiaries get familiar with TRICARE terms, options, plans, and more. Whether new to TRICARE or already a TRICARE plan enrollee, learning the basics can help beneficiaries make informed choices and take command of their health.

Get the Facts

Graphics

This digital toolkit provides a variety of graphics you can use on your digital and social media platforms to educate beneficiaries about TRICARE Qualifying Life Events. 


Activating

 This image describes how Activating may change your TRICARE plan options    This image describes how a change in sponsor status may change your TRICARE plan options


Adopting a Child

This image describes how adopting a child may change your TRICARE plan option  This image describes how adopting a child may change your TRICARE plan option


Birth of a Child

This image describes how giving birth may change your TRICARE plan options  This image describes how giving birth overseas in an active duty family may change your TRICARE plan options

This image describes how giving birth stateside in an active duty family may change your TRICARE plan options  This image describes how giving birth overseas in a retiree family may change your TRICARE plan options  This image describes how giving birth stateside in a retiree family may change your TRICARE plan options

  This image describes how giving birth stateside in an active duty family may change your TRICARE plan options  This image describes how giving birth overseas in an active duty family may change your TRICARE plan options

This image describes how giving birth overseas in an active duty family may change your TRICARE plan options  This image describes how giving birth stateside in an active duty family may change your TRICARE plan options  


Changing Command-Sponsorship Overseas

This image describes how a change in command sponsorship may change your TRICARE plan options This image describes how gaining or losing permission for family accompaniment


Children Becoming Adults

This image describes how children becoming adults may change your TRICARE plan options


Court Placement of a Child

This image describes how the court placement of a child may change your TRICARE plan options  This image describes how the court placement of a child may change your TRICARE plan options


Deactivating

This image describes how deactivating may change your TRICARE plan options  This image describes how death may change your TRICARE plan options


Death in the Family

This image describes how a death in the family may change your TRICARE plan options  This image describes how death may change your TRICARE plan options


Divorce or Annulment

This image describes how divorce may change your TRICARE plan options  This image describes how a divorce annulment may change your TRICARE plan options


Gaining or Losing Other Health Insurance

This image describes how losing or gaining OHI may change your TRICARE plan options  This image describes how losing or gaining OHI may change your TRICARE plan options


Getting Married

This image describes how getting married may change your TRICARE plan options  This image describes how getting married may change your TRICARE plan options


Going to College

This image describes how your child going to college may change your TRICARE plan options  This image describes how your child going to college may change your TRICARE plan options


Government-Directed Change

This image describes how a government directed PCM change may change your TRICARE plan options  This image describes how a government directed PCM change may change your TRICARE plan options

This image describes how a government directed health plan change may change your TRICARE plan options  This image describes how a government directed health plan change may change your TRICARE plan options


Moving

This image describe how moving may change your TRICARE plan options  This image describes how moving may change your TRICARE plan options


Retiring from Active Duty 

This image describes how retiring from active duty may change your TRICARE plan options  This image describes how retiring from active duty may change your TRICARE plan options


Separating from Active Duty

This image describes how separating from active duty may change your TRICARE plan options  This image describes how separating from active duty may change your TRICARE plan options


Turning Age 60

This image describes how turning age 60 may change your TRICARE plan options  This image describes how turning age 60 may change your TRICARE plan options


 Turning Age 65

 This image describes how turning 65 may change your TRICARE plan options  This image describes how turning 65 may change your TRICARE plan options


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TRICARE QLE: Government-Directed PCM Change

This image describes how a government directed PCM change may change your TRICARE plan options

If the government directs you to change your PCM from a network PCM to a military hospital PCM, or vice versa, it’s a QLE. This only applies if you have TRICARE Prime. This gives you the option to either accept the PCM change or switch to TRICARE Select to continue care through a network PCM. To learn more about TRICARE QLEs, visit www.tricare.mil ...

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TRICARE QLE: Activating

This image describes how Activating may change your TRICARE plan options

Reserve Component members who are activated receive the same benefits as active duty service members and family members begin getting TRICARE coverage as active duty family members. Reserve Component members have 90 days after your activation date to change their family’s health plan. To learn more about TRICARE QLEs, visit www.tricare.mil/lifeevents.

Last Updated: August 04, 2023
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