20/20/20 Benefits

An unmarried “20/20/20” former spouse qualifies for medical benefits and commissary and exchange privileges if all of the following requirements are met:

  • The parties have been married for at least 20 years (date of marriage to date of divorce decree or annulment);
  • The service member performed at least 20 years of service creditable for retirement pay; and
  • There is at least a 20 year overlap of marriage and the military service.

An unmarried “20/20/20” former spouse is eligible for both health care through the military health system and full commissary and exchange privileges.

The former spouse may enroll in TRICARE Prime, where available, at the same rate as a retiree, with the accompanying enrollment fee and co-pays. If the former spouse uses TRICARE Standard, the former spouse is responsible for the co-pays and any amount over the TRICARE allowable charges. DEERS will reflect TRICARE eligibility for unmarried former spouses using the former spouse’s own Social Security number.

A former spouse who has employer sponsored medical insurance is not eligible for military medical care or TRICARE. If the employer plan is optional, the former spouse may decline that insurance and remain eligible under TRICARE.

Medical benefits cease upon remarriage and can never be reinstated. However, commissary and exchange privileges can be reinstated if the remarriage ends because of death or divorce.

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