Military personnel retiring from active duty are eligible for Tricare, the medical insurance for retired persons who retire from active duty. Family members, including spouses, children, and step-children, are also covered under Tricare. In the case of divorce, the step-children are not covered unless they were adopted by the retired military person. The children are covered by this government plan until they reach age 23 or graduate from college, whichever comes first. Those children who do not go to college become ineligible on their 21st birthday.
The Internet has many resources that list agents and companies who offer medical insurance for retired people. There are so many, in fact, that potential consumers need to be extremely cautious and diligent in their research. The Better Business Bureau will provide information about any complaints filed against these companies and their assistance is widely used. Group rates are always better than those offered to an individual, so going through an organization such as AARP for medical insurance will most likely save money. They even offer long-term coverage in the event of a lengthy illness or injury that takes the insured beyond the terms of Medicare.
There are things Medicare does not cover that are commonplace among retired citizens, so they must be included in the supplemental medical insurance for retired people. For instance, Medicare does not cover an eye exam unless a disease is suspected and the exam is performed by an ophthalmologist. Medicare will not cover eyeglasses at all. Another classification of problems not covered by Medicare is dentistry. Medicare is brought into play only if oral surgery is involved.