Under the Servicemembers Civil Relief Act (SCRA), servicemembers whose health insurance lapses or is terminated during their military service are entitled to reinstatement of that insurance upon leaving the military. The servicemember may not be subjected to a waiting period, coverage limitations, or exclusions for pre-existing medical conditions because of the lapse in coverage. These protections also apply to dependents such as children or spouses, covered under the servicemember’s policy.

The insurance provider may limit or exclude coverage for medical conditions or disabilities determined to be service-connected by the Department of Veterans Affairs. The SCRA also does not cover health insurance provided by a servicemember’s employer. Employer-provided insurance is covered under the Uniformed Services Employment and Reemployment Rights Act (USERRA).