TRICARE Coverage Overseas: What You Need to Know

Last updated 4 days ago. Our resources are updated regularly but please keep in mind that links, programs, policies, and contact information do change.

TRICARE is the comprehensive, worldwide healthcare program for the United States uniformed services community. This includes active duty service members, National Guard and Reserve members under specific conditions, retirees, and their eligible family members, as well as survivors and certain former spouses.

Your TRICARE Benefit Abroad

A key feature of TRICARE is its global reach, ensuring access to healthcare services for beneficiaries stationed or living outside the continental United States.

Navigating healthcare in a foreign country can seem daunting, but TRICARE provides a robust framework to support its beneficiaries.

Essential Resources

Two primary official online resources are essential for overseas beneficiaries:

• The main TRICARE website provides general information about the TRICARE benefit, eligibility, covered services, and costs.
• The dedicated TRICARE Overseas Program (TOP) website is managed by the overseas contractor and contains specific information pertinent to receiving care abroad, including finding providers, regional contacts, and claims information.

The TRICARE Overseas Program is administered by a single contractor, International SOS Government Services, Inc. This differs from the structure within the United States, where regional contractors manage the benefit.

This centralized overseas administration means that International SOS is the primary point of contact for most TRICARE-related matters outside the U.S., including finding network providers, obtaining authorizations for care, and getting assistance with claims.

Beneficiaries should direct their overseas-specific inquiries to International SOS via the TOP website or regional call centers, rather than the stateside regional contractors unless they are traveling within the US.

Confirming Your TRICARE Eligibility Overseas

Eligibility for TRICARE is determined by the sponsor’s uniformed service based on their status (e.g., active duty, retired, Guard/Reserve activation status) and reported in the Defense Enrollment Eligibility Reporting System (DEERS).

Generally, those eligible for TRICARE worldwide include:

• Uniformed Service members (Active duty, National Guard/Reserve members activated under federal orders for more than 30 consecutive days, or sometimes under state orders)
• Family members of eligible service members (spouses and children properly registered in DEERS)
• Retired service members and their eligible family members
• Survivors of deceased members
• Certain former spouses of service members
• Medal of Honor recipients and their eligible family members
• Others registered in DEERS as eligible (e.g., dependent parents under specific circumstances)

The Critical Role of DEERS

Maintaining accurate information in the Defense Enrollment Eligibility Reporting System (DEERS) is paramount for all TRICARE beneficiaries, but takes on heightened importance when residing overseas.

DEERS is the definitive source for verifying TRICARE eligibility. An incorrect address, outdated contact information, or inaccurate family status (like command sponsorship) registered in DEERS while overseas can lead to significant problems. These issues might include:

• Inability to enroll in the appropriate location-specific TRICARE plan
• Failure to receive crucial communications from International SOS
• Delays in obtaining necessary authorizations for care or processing claims reimbursement

Beneficiaries must update their DEERS information promptly upon moving or experiencing any change in family status. Updates can often be made online via milConnect or by contacting the DMDC/DEERS Support Office.

Sponsors vs. Family Members

TRICARE recognizes two main types of beneficiaries:

• Sponsors: The individuals whose service establishes eligibility – typically active duty service members, retired service members, and eligible National Guard and Reserve members.
• Family Members: Spouses and children (biological, adopted, stepchildren, etc.) who are registered under the sponsor in DEERS.

Benefit options and costs often vary depending on whether an individual is a sponsor or a family member, and also based on the sponsor’s status (e.g., active duty vs. retired).

Command Sponsorship: A Key Factor Overseas

For family members accompanying a service member overseas, “command sponsorship” is a critical designation.

Being command-sponsored generally means the family member is listed on the sponsor’s official Permanent Change of Station (PCS) orders for that overseas location.

This status, which must be accurately reflected in DEERS, directly impacts eligibility for certain TRICARE plans overseas. Specifically, command sponsorship is typically required for active duty family members (ADFMs) to enroll in TRICARE Prime Overseas (TPO) or TRICARE Prime Remote Overseas (TPRO).

Family members who are not command-sponsored are generally only eligible for TRICARE Select Overseas.

Therefore, verifying and ensuring the accuracy of command sponsorship status in DEERS is essential when determining overseas health plan options.

Choosing Your TRICARE Overseas Health Plan

Once eligibility is confirmed and DEERS information is up-to-date, beneficiaries residing overseas need to understand their available health plan options. The primary choices fall under the TRICARE Prime or TRICARE Select umbrellas, similar to stateside options but adapted for the overseas environment.

TRICARE Prime Overseas (TPO)

What it is: TPO is a managed care health plan option, similar to an HMO, available in designated non-remote overseas areas located near military hospitals or clinics (MTFs). It emphasizes care coordination through a Primary Care Manager (PCM).

Who Can Enroll:

• Enrollment in TPO is mandatory for Active Duty Service Members (ADSMs) stationed in designated TPO areas.
• It is also available as an option for their command-sponsored active duty family members (ADFMs) living with them near an MTF, and for command-sponsored family members of activated National Guard/Reserve members under the same conditions.
• Retirees and their family members are not eligible to enroll in TPO.

How to Enroll: Enrollment is required to participate in TPO. Beneficiaries can enroll through several methods:

• Online via the Beneficiary Web Enrollment (BWE) portal on milConnect (requires CAC, DFAS MyPay, or DS Logon access)
• By calling the International SOS regional call center and selecting Option 4 for the Global TRICARE Service Center
• By mailing a completed TRICARE Prime Enrollment, Disenrollment and PCM Change Form (DD Form 2876) to the designated International SOS address
• In person at an overseas TRICARE Service Center (TSC)

Newborns born overseas are covered under Prime for the first 120 days, but parents must take action to formally enroll the child before the 120 days expire to maintain Prime coverage.

Getting Care: TPO beneficiaries receive most of their healthcare from an assigned PCM, typically located at a nearby MTF. The PCM serves as the main point of contact, provides routine care, and manages referrals for specialty services.

Referrals and Authorizations: Referrals from the assigned PCM are required for most specialty care consultations and treatments. The PCM works directly with International SOS to obtain necessary authorizations for referred care.

Certain types of care always require pre-authorization from International SOS, regardless of the referral source. For ADFMs, a retroactive authorization might be possible if requested from the PCM within three business days of receiving non-emergency care without a prior referral, though this is subject to specific conditions.

Costs: TPO features minimal out-of-pocket costs when care is managed through the PCM and referrals:

• No enrollment fees
• No copayments for any type of care as long as it is received from the PCM or obtained with a valid referral

However, if an ADFM enrolled in TPO chooses to seek non-emergency care from a specialist or other provider without obtaining the required referral from their PCM, they will utilize the Point-of-Service (POS) option. The POS option involves significant cost-sharing:

• The beneficiary must first meet an annual POS deductible ($300 per individual/$600 per family for 2024/2025)
• Then pay 50% of the TRICARE-allowable charge for the services received
• These POS costs do not apply toward the annual catastrophic cap

While medical care under TPO is generally cost-free with referrals, beneficiaries may incur cost-shares for prescription medications filled at overseas host nation pharmacies rather than MTF pharmacies.

An annual catastrophic cap limits the maximum out-of-pocket expenses for TRICARE-covered medical services per fiscal year.

TRICARE Prime Remote Overseas (TPRO)

What it is: TPRO is also a managed care option, but specifically designed for beneficiaries living in designated remote overseas locations where access to an MTF is limited or non-existent. TPRO meets the requirements for minimum essential coverage under the Affordable Care Act.

Who Can Enroll:

• Enrollment in TPRO is mandatory for ADSMs stationed in designated remote overseas locations.
• It is also available for their command-sponsored ADFMs and command-sponsored family members of activated Guard/Reserve members residing with the sponsor in these remote areas.
• Retirees and their families cannot enroll in TPRO.

How to Enroll: Enrollment is required. The enrollment methods mirror TPO:

• Online via milConnect BWE
• By phone with International SOS (Option 4 for Global TRICARE Service Center)
• By mail using DD Form 2876

Proof of command sponsorship (sponsor’s orders) is necessary. The 120-day initial coverage for newborns also applies, requiring subsequent enrollment action.

Getting Care: Beneficiaries are typically assigned a PCM, who may be a civilian provider in the local community given the remote location. If a PCM isn’t assigned, the TOP Regional Call Center helps coordinate care, locate providers, and schedule appointments.

TPRO beneficiaries can utilize the Overseas Point of Contact (POC) program for assistance with enrollment, appointment scheduling, claims filing, and navigating TRICARE benefits in remote locations.

Referrals and Authorizations: The assigned PCM provides referrals for specialty care they cannot provide and works with International SOS to secure necessary authorizations. As with TPO, referrals and pre-authorizations are required for specialty care and certain other services.

Costs: TPRO shares the same basic cost structure as TPO:

• No enrollment fees
• No copayments for care received from the PCM or with a valid referral
• The Point-of-Service (POS) option applies to ADFMs who seek non-emergency care without a required referral, carrying the same annual deductible and 50% cost-share as TPO
• Pharmacy cost-shares may apply for prescriptions filled outside MTFs (if any are accessible) or through host nation pharmacies
• The annual catastrophic cap also applies to TPRO beneficiaries

TRICARE Select Overseas (TSO)

What it is: TSO is a self-managed healthcare plan, functioning similarly to a Preferred Provider Organization (PPO). It offers beneficiaries greater freedom and flexibility in choosing healthcare providers across all overseas areas.

Who Can Enroll: TSO is available to a broader range of beneficiaries compared to the Prime options. Eligible individuals include:

• ADFMs (both command-sponsored and non-command-sponsored)
• Retired service members and their families
• Family members of activated Guard/Reserve members
• Certain non-activated Guard/Reserve members eligible under the Transitional Assistance Management Program (TAMP)
• Retired Reserve members (at age 60 or older) and their families
• Survivors
• Medal of Honor recipients and their families
• Qualified former spouses

ADSMs are not eligible for TSO; they must enroll in a Prime option where available.

How to Enroll: Enrollment is required to use TSO. Enrollment can be completed:

• Online via milConnect BWE
• By phone with International SOS
• By mailing a completed TRICARE Select Enrollment, Disenrollment, and Change Form (DD Form 3043)
• At a TSC

A significant difference from Prime plans is the requirement for retirees and certain other beneficiary groups (excluding ADFMs, survivors of AD sponsors, and medically retired members/families) to pay annual enrollment fees. These fees vary based on whether the sponsor falls into Group A (initial enlistment/appointment before Jan 1, 2018) or Group B (on or after Jan 1, 2018).

Retirees must establish a payment method, typically through allotment from retirement pay if feasible, or via recurring Electronic Funds Transfer (EFT) from a U.S. bank or credit/debit card. Failure to pay enrollment fees can lead to disenrollment.

Getting Care: TSO provides maximum flexibility in provider choice. Beneficiaries can generally seek care from any TRICARE-authorized provider overseas – this includes:

• Providers in the International SOS network
• Participating non-network providers
• Non-participating non-network providers
• Host nation providers

An exception exists in the Philippines, where beneficiaries must use specific TRICARE-certified or preferred providers for care to be covered. TSO beneficiaries may also receive care at MTFs, but only on a space-available basis.

Referrals and Authorizations: One of the main features of TSO is that referrals are generally not required for visits to primary care or specialty care providers.

However, pre-authorization from International SOS is still mandatory for certain types of services, such as:

• Inpatient admissions for mental health or substance use disorders
• Applied Behavior Analysis (ABA)
• Home health services
• Hospice care
• Organ and stem cell transplants
• Services under the Extended Care Health Option (ECHO)

Costs: TSO involves more cost-sharing than Prime plans:

• ADFMs pay no enrollment fee
• Retirees and others pay annual enrollment fees based on Group A/B status
• All TSO beneficiaries must meet an annual outpatient deductible before TRICARE begins cost-sharing
• Deductible amounts vary: for ADFMs, it depends on the sponsor’s rank (E-4 and below vs. E-5 and above); for retirees and others, it depends on Group A vs. Group B status
• After the deductible is met, beneficiaries pay cost-shares, which are a percentage of the TRICARE-allowable charge for covered services
• Cost-share percentages also vary by beneficiary group and whether care is received from a network or non-network provider (though most overseas providers are non-network)

A critical aspect of TSO overseas is that beneficiaries should expect to pay upfront for services received from providers and then file their own claims with the TOP Claims Processor for reimbursement.

Furthermore, if care is received from a nonparticipating, non-network provider, that provider can charge more than the TRICARE-allowable amount (a practice known as balance billing). The beneficiary is responsible for paying their deductible and cost-share, plus any amount charged by the provider that exceeds the TRICARE-allowable charge.

An annual catastrophic cap limits the total out-of-pocket expenses beneficiaries pay for TRICARE-covered services each fiscal year.

Plan Comparison

The choice between TPO/TPRO and TSO involves trade-offs:

• Prime plans offer lower out-of-pocket costs and care coordination through a PCM but restrict provider choice and require adherence to referral processes
• TSO provides greater freedom in choosing providers and eliminates the need for most referrals but comes with higher potential costs (enrollment fees for retirees, deductibles, cost-shares) and requires beneficiaries to take on more administrative tasks like paying upfront and filing claims

For retirees, the significant difference in enrollment fees and deductibles between Group A and Group B under TSO makes the sponsor’s initial date of service a major factor in budgeting for healthcare overseas.

Table 1: TRICARE Overseas Plan At-a-Glance

(Note: CS = Command-Sponsored, NCS = Non-Command-Sponsored. Costs are subject to change; refer to official TRICARE sources for current figures. Pre-authorization is required for specific services across all plans.)

How to Access Medical Care When Overseas

Understanding how to find providers and navigate the process for different types of care is essential when using TRICARE overseas.

Finding Healthcare Providers

Beneficiaries have several avenues for finding medical care overseas:

International SOS Provider Network: The TRICARE Overseas Program contractor, International SOS, maintains a network of hospitals, clinics, and individual providers across its regions. These network providers often meet specific credentialing and quality standards reviewed by International SOS and may offer English-speaking staff.

Beneficiaries can locate these providers using the “Provider Search” tool on the TOP website. Using network providers can sometimes facilitate cashless/claimless services, particularly for those enrolled in Prime plans.

Host Nation Providers (Non-Network): Beneficiaries, particularly those using TRICARE Select Overseas or TRICARE For Life, have the flexibility to see TRICARE-authorized providers who are not formally part of the International SOS network. These providers fall into two categories:

• Participating Non-Network Providers: These providers have not signed a network agreement but agree to accept TRICARE payment and may file claims on the beneficiary’s behalf. They accept the TRICARE-allowable charge as payment in full (excluding deductibles/cost-shares).
• Nonparticipating Non-Network Providers: These providers have no agreement with TRICARE. They can choose whether or not to file claims and are legally permitted to charge more than the TRICARE-allowable amount. Beneficiaries using these providers will likely need to pay the full cost upfront, file their own claim, and are responsible for any amount exceeding the TRICARE payment (balance billing).

Military Hospitals and Clinics (MTFs): Overseas MTFs remain a primary source of care, especially for ADSMs and beneficiaries enrolled in TRICARE Prime Overseas who are assigned a PCM at the facility. Other beneficiaries (TSO, TFL) may be able to access care at MTFs, but typically only on a space-available basis.

MyCare Overseas™ App: This mobile app and web portal, provided by International SOS, includes a feature to help beneficiaries search for nearby providers.

Philippines Exception: A special rule applies in the Philippines, where beneficiaries must receive care from TRICARE-certified or preferred providers for services to be covered.

Getting Routine and Specialty Care

The process for obtaining routine and specialty care differs significantly between Prime and Select plans:

TRICARE Prime Overseas (TPO) / Prime Remote Overseas (TPRO): The process is managed through the Primary Care Manager (PCM):

• Beneficiaries must see their assigned PCM for routine healthcare needs
• If specialty care is required, the PCM must initiate a referral request
• International SOS reviews the referral and, if approved, issues an authorization letter specifying the authorized specialist, the number of visits or duration, and the services covered
• Beneficiaries must schedule their appointment with the provider listed in the authorization before it expires
• The status of referrals and authorizations can be tracked via the MyCare Overseas™ app or web portal
• Seeking specialty care without this referral/authorization process triggers the costly Point-of-Service option

TRICARE Select Overseas (TSO): Beneficiaries generally manage their own care:

• They do not need referrals to see primary care or specialty providers
• They can directly contact any TRICARE-authorized provider to schedule appointments
• However, pre-authorization from International SOS is still required for certain specific services before receiving care, even without needing a referral for the appointment itself

Urgent Care

Urgent care is needed for conditions that are not emergencies but require medical attention within about 24 hours to prevent them from becoming a serious health risk, such as a high fever, urinary tract infection, or a sprained ankle. It does not involve a threat to life, limb, or eyesight.

Accessing Urgent Care Overseas:

• Beneficiaries enrolled in TPO, TPRO, or TSO generally do not need a referral to obtain urgent care overseas
• For TPO/TPRO beneficiaries, while a referral isn’t required, contacting International SOS before or soon after receiving urgent care is strongly recommended to facilitate authorization and ensure the visit can be processed on a cashless/claimless basis where possible
• If admitted to a hospital from an urgent care visit, authorization becomes mandatory
• Coordination with the PCM or International SOS for any necessary follow-up care is also important
• For TSO beneficiaries, they can seek urgent care from any authorized provider
• Contacting International SOS beforehand might help identify providers who can offer cashless/claimless service, but beneficiaries should generally be prepared to pay upfront and file a claim for reimbursement

Accessing Urgent Care While Traveling Stateside: If an overseas beneficiary is traveling in the U.S., they do not need a referral for urgent care. They can visit any TRICARE-authorized Urgent Care Center (UCC) or a TRICARE network provider.

Prime beneficiaries should be cautious: using a non-network provider outside of an authorized UCC could result in Point-of-Service charges. ADSMs receiving urgent care outside an MTF must follow up with their PCM per service regulations.

MHS Nurse Advice Line: Beneficiaries can call the 24/7 MHS Nurse Advice Line (1-800-TRICARE (874-2273), Option 1) for medical advice regarding urgent symptoms.

However, for beneficiaries physically located overseas (or traveling stateside from an overseas assignment), any recommendations for care must still be coordinated through International SOS or the TOP Regional Call Center to ensure proper authorization and coverage alignment with overseas plan rules.

Emergency Care

An emergency is defined as a medical situation that poses a threat to life, limb, eyesight, or safety, requiring immediate medical treatment. Examples include severe bleeding, chest pain, difficulty breathing, or broken bones.

Immediate Steps: In a medical emergency overseas, beneficiaries should immediately go to the nearest emergency care facility or call the local emergency number for assistance. Seeking care at the nearest appropriate facility is crucial.

Authorization: Pre-authorization is not required before seeking emergency care. The priority is getting immediate medical attention.

Notification Requirements: Although pre-authorization isn’t needed, it is vital to contact International SOS (using Medical Assistance numbers found on the TOP website contact page if possible) or the TOP Regional Call Center as soon as reasonably possible after receiving emergency care, preferably within 24 hours or on the next business day.

This notification is especially critical if the beneficiary is admitted to the hospital. International SOS will then coordinate with the facility regarding payment, ongoing care needs, and assessment for potential medical evacuation if necessary.

Prime beneficiaries should also inform their PCM, and ADSMs must notify their unit or command.

Emergency Care While Traveling Stateside: If an emergency occurs while an overseas beneficiary is traveling in the U.S., they should call 911 or go to the nearest emergency room. If admitted, they must notify the TOP Contractor (International SOS) within 24 hours or the next business day.

The processes for urgent and emergency care highlight a key aspect of using TRICARE overseas. While Prime plans are designed for coordinated care with minimal upfront costs, unexpected medical situations often necessitate seeking care outside the standard referral pathway.

In these cases, timely communication with International SOS and/or the PCM after receiving care becomes essential for Prime beneficiaries to ensure the care is properly authorized retrospectively and to avoid potentially significant out-of-pocket costs associated with the Point-of-Service option.

For TSO beneficiaries, the expectation should generally remain paying upfront for urgent or emergency services and subsequently filing a claim for reimbursement, unless specific arrangements exist with the treating facility.

Using the TRICARE Pharmacy Program Overseas

The TRICARE Pharmacy Program ensures beneficiaries have access to necessary prescription medications worldwide, but the options and procedures differ significantly when outside the United States and its territories.

The program is managed globally by the pharmacy contractor, Express Scripts https://militaryrx.express-scripts.com/.

Pharmacy costs depend on several factors: the drug’s category (generic formulary, brand-name formulary, non-formulary), the type of pharmacy used, and the beneficiary’s status and health plan.

Your Pharmacy Options Abroad

Beneficiaries overseas have the following options for filling prescriptions:

Military Pharmacies (at MTFs): Some overseas locations, particularly those with larger military installations (including Guam and Puerto Rico, as well as certain foreign countries), have MTF pharmacies.

These are often the most cost-effective option, typically providing up to a 90-day supply of most medications at no cost to the beneficiary. It’s advisable to use the “Find a Military Hospital or Clinic” tool on tricare.mil to locate nearby MTF pharmacies and call ahead to confirm they have the specific medication in stock and verify if they accept prescriptions from civilian providers.

TRICARE Pharmacy Home Delivery: This option, managed by Express Scripts, allows beneficiaries to receive up to a 90-day supply of maintenance medications delivered by mail.

It is available to overseas beneficiaries only if they have an Army Post Office (APO), Fleet Post Office (FPO), or Diplomatic Post Office (DPO) address, or are assigned to a U.S. Embassy or Consulate. A prescription from a U.S.-licensed healthcare provider is required. Shipping is standard and free.

ADSMs have no costs for home delivery. Other beneficiaries pay copayments based on the drug category (e.g., 2024: $13 generic, $38 brand-name, $76 non-formulary per 90-day supply).

There are limitations:

• Medications requiring refrigeration generally cannot be shipped to overseas or U.S. territory addresses
• Home delivery is not available in Germany

Beneficiaries can manage refills online or via the Express Scripts mobile app.

Retail Network Pharmacies: TRICARE maintains a network of retail pharmacies in the United States and most U.S. territories (Guam, Puerto Rico, USVI, Northern Mariana Islands).

However, there are no TRICARE retail network pharmacies located in foreign countries. This option is therefore not available for filling prescriptions while residing in or traveling through foreign nations.

Non-Network / Host Nation Pharmacies: In most foreign countries, the standard option for filling prescriptions is at local, host nation pharmacies. All retail pharmacies outside the U.S. and its territories are considered non-network by TRICARE.

When using a non-network pharmacy overseas, beneficiaries must pay the full price for the medication upfront. They then need to file a claim with the TRICARE Overseas contractor, International SOS, for reimbursement.

Reimbursement amounts depend on the beneficiary’s plan and status, and are subject to deductibles and cost-shares:

• TPO/TPRO Beneficiaries (ADSMs & ADFMs): After filing a claim with proof of payment, they are reimbursed 100% of the cost for covered drugs. While there’s effectively no cost-share, the process requires paying upfront and submitting paperwork.
• TSO ADFMs & TRICARE Reserve Select (TRS) Members: Reimbursed after meeting the annual deductible, subject to a 20% cost-share.
• TSO Retirees, TRICARE Retired Reserve (TRR) Members, & Others: Reimbursed after meeting the annual deductible, subject to a 25% cost-share.

Philippines Exception: Beneficiaries in the Philippines must use TRICARE-certified pharmacies to ensure coverage.

Over-the-Counter (OTC) Drugs: TRICARE generally does not cover OTC drugs purchased overseas, even if those drugs require a prescription in the host nation but are considered OTC in the U.S.

The reality for many beneficiaries overseas is that the most convenient or only option for filling prescriptions will be a local host nation pharmacy. This necessitates paying the full cost at the point of service and then undertaking the claims process for reimbursement.

This is a marked difference from the typical experience at stateside network pharmacies where only a copayment is usually required upfront. Beneficiaries should be financially prepared for these upfront costs and diligent about collecting receipts and filing claims promptly.

Table 2: Overseas Pharmacy Options & Costs Summary (2024 Costs)

(G=Generic Formulary, B=Brand-Name Formulary, NF=Non-Formulary. Costs are per prescription fill and subject to change. Check official TRICARE sources for current costs.)

Filing Overseas Pharmacy Claims

Claims for prescriptions filled at non-network/host nation pharmacies must be submitted to International SOS. The preferred method is filing online through the TRICARE Overseas Secure Claims portal (accessible via https://www.tricare-overseas.com/).

Alternatively, claims can be mailed using the appropriate claim form (often the DD Form 2642 can be used, or a pharmacy-specific form if provided by Express Scripts/ISOS).

Crucially, proof of payment must be submitted with all overseas pharmacy claims. The filing deadline for overseas pharmacy claims is three years from the date the prescription was purchased.

Getting Prescriptions While Traveling

Planning ahead is key when traveling overseas or traveling back to the U.S. from an overseas assignment:

• Refill all necessary prescriptions before departing. A 90-day supply might be obtainable, especially via home delivery if eligible.
• Request an early refill or vacation override if needed to cover the duration of the trip. Contact Express Scripts if currently in the U.S., or International SOS if currently overseas, for assistance with overrides.
• Always pack medications in carry-on luggage to avoid loss or delay.
• If medication is lost or forgotten while traveling, contact International SOS (if overseas) or Express Scripts (if in US) for guidance. It may be necessary to fill an emergency supply at a non-network pharmacy and file a claim for reimbursement.

Dental Care Options Overseas

Dental coverage under TRICARE is generally separate from the medical benefits provided by plans like TPO, TPRO, and TSO. Access to dental care overseas depends heavily on the beneficiary’s status (ADSM, ADFM, Guard/Reserve member, retiree) and involves different programs often administered by different contractors.

TRICARE Dental Program (TDP)

What it is: The TDP is a voluntary, premium-based dental insurance plan available to eligible beneficiaries worldwide. It is administered globally by United Concordia Companies, Inc. (UCCI). The TDP website is https://www.uccitdp.com/.

TDP benefits and costs are separate from TRICARE medical plans, and TDP out-of-pocket costs do not count toward the medical catastrophic cap.

Eligibility: The TDP is primarily for:

• Active duty family members (ADFMs)
• Family members of National Guard/Reserve members
• National Guard/Reserve members themselves can enroll when they are not on active duty orders for more than 30 days or covered by the Transitional Assistance Management Program (TAMP)

(ADSMs and activated Guard/Reserve members receive dental care through other means, see ADDP below).

Enrollment: Enrollment is required and voluntary. There is a minimum enrollment period of 12 months, provided the sponsor has at least 12 months of service commitment remaining.

Enrollment can be done by phone or mail for overseas beneficiaries; online enrollment via BWE is not available overseas. Contact United Concordia directly for OCONUS enrollment: Toll-Free 844-653-4060 or Toll +1-717-888-7400.

The first month’s premium must be paid at the time of enrollment. Ongoing premiums can be paid via allotment (if sponsor has military payroll), EFT, or recurring credit/debit card.

Coverage typically begins the first day of the month after enrollment is processed (if received by the 20th) or the first day of the second month (if received after the 20th).

Finding an OCONUS Dentist: Beneficiaries should use the “OCONUS Find a Dentist” tool available on the United Concordia TDP website https://www.uccitdp.com/. The network includes TRICARE OCONUS Preferred Dentists (TOPDs).

Using a network dentist generally results in lower out-of-pocket costs, as they agree to accept negotiated fees and usually file claims directly with United Concordia.

Coverage: The TDP covers a wide range of dental services, including:

• Diagnostic (exams, x-rays)
• Preventive (cleanings, fluoride)
• Restorative (fillings)
• Endodontics (root canals)
• Periodontics (gum treatment)
• Oral surgery (extractions)
• Orthodontics (braces)

These are subject to specific limitations and cost-sharing. There is an annual maximum benefit per enrollee (e.g., $1,500) and a separate lifetime maximum for orthodontics (e.g., $1,750). A dental accident benefit also exists.

The TDP includes a Wellness Program offering enhanced benefits (like an additional cleaning or periodontal maintenance) for beneficiaries with certain chronic medical conditions or pregnancy.

Costs: Beneficiaries pay monthly premiums, which vary based on the sponsor’s military status (Active Duty vs. National Guard/Reserve) and the type of enrollment (sponsor only for Guard/Reserve, single family member, family of 2+, sponsor + family for Guard/Reserve).

For services beyond diagnostic and preventive care, beneficiaries pay cost-shares. OCONUS cost-shares depend on the sponsor’s pay grade (E-4 and below vs. E-5 and above) and the type of service received.

For command-sponsored beneficiaries overseas, the cost-share is often 0% for E-4 and below sponsors, while for E-5 and above sponsors, it ranges from 10% (basic restorative) to 60% (dentures, orthodontics).

Claims: Network dentists typically file claims directly with United Concordia. If a beneficiary uses a non-network dentist or pays upfront, they will need to submit a claim to United Concordia for reimbursement.

Active Duty Dental Program (ADDP)

This program provides dental care for Active Duty Service Members (ADSMs).

• ADSMs enrolled in TRICARE Prime Overseas generally receive their routine dental care at overseas military dental treatment facilities (DTFs).
• ADSMs enrolled in TRICARE Prime Remote Overseas (or those located more than 50 miles from a DTF) receive authorized civilian dental care through the ADDP, which is also administered by United Concordia https://secure.addp-ucci.com/home. This transition occurred on May 1, 2022.
• Care usually requires authorization. There are no out-of-pocket costs for covered ADDP services.

Federal Employees Dental and Vision Insurance Program (FEDVIP)

This program is the primary option for retirees and their eligible family members seeking dental (and vision) coverage. FEDVIP replaced the TRICARE Retiree Dental Program (TRDP) in 2019.

It is managed by the U.S. Office of Personnel Management (OPM), and enrollment is handled through the BENEFEDS portal www.benefeds.com.

Retirees can choose from various dental plans offered by different carriers through FEDVIP during the annual Federal Benefits Open Season or following a qualifying life event.

Eligibility for FEDVIP dental extends to TRICARE-eligible retirees and their families; eligibility for FEDVIP vision requires enrollment in a TRICARE health plan.

This separation of dental programs based on beneficiary status creates a more complex landscape than the unified medical program under International SOS:

• ADFMs and non-activated Guard/Reserve members/families needing dental care overseas primarily interact with United Concordia through the voluntary TDP
• ADSMs interact with military DTFs or United Concordia via the ADDP
• Retirees must navigate the FEDVIP system via OPM/BENEFEDS

Beneficiaries must identify the correct program applicable to them and understand its specific enrollment, provider network, coverage, and cost rules.

Filing Medical and Dental Claims from Overseas

While TRICARE network providers (both medical and dental) often file claims on behalf of beneficiaries, there are many situations overseas where beneficiaries must pay for services upfront and file their own claims for reimbursement. Understanding this process is vital for timely payment.

When Filing Your Own Claim is Necessary

Beneficiaries typically need to file their own claims when:

• Using TRICARE Select Overseas, especially when seeing non-network or host nation providers who do not file claims
• Using TRICARE For Life overseas, as TRICARE is the primary payer and providers may not bill TRICARE directly
• Filling prescriptions at host nation (non-network) pharmacies
• Receiving care from a TRICARE nonparticipating provider (medical or dental)
• Receiving urgent or emergency care from facilities that require upfront payment
• Receiving care while traveling (either overseas from the US, or in the US from overseas)

The Process for Filing Medical Claims Overseas

Beneficiaries have two primary methods for submitting medical claims for care received overseas to the TOP Claims Processor (managed by International SOS):

Online Secure Claims Portal (Preferred Method): The most efficient way is to use the Beneficiary Secure Claims Portal on the TOP website https://www.tricare-overseas.com/.

Beneficiaries must first register for an account (using DS Logon or creating a site-specific login). Once logged in, they can electronically submit claim information and upload necessary documents.

The portal also allows beneficiaries to track claim status in real-time, view Explanations of Benefits (EOBs), update Other Health Insurance (OHI) information, and check deductible status. Video tutorials are available on the TOP website to guide users through registration and claim submission.

Mail Submission using DD Form 2642: Beneficiaries can download the Patient’s Request for Medical Payment (DD Form 2642) from the TRICARE or TOP websites. All 12 blocks of the form must be completed accurately and the form signed.

Essential Documentation for Medical Claims

Whether filing online or by mail, specific documentation is required for overseas claims processing:

Completed Claim Form: DD Form 2642 if filing by mail.

Itemized Provider Bill: A readable copy of the bill from the provider is essential. It must clearly show:

• Provider’s name and address
• Sponsor’s SSN or DBN
• Patient’s name
• Date and place of each service
• A description of each service/supply provided
• The charge for each service
• The diagnosis (or diagnosis code)

Proof of Payment: This is a critical requirement for all overseas claims submitted by beneficiaries. Acceptable proof typically includes:

• A receipt from the provider marked “paid”
• A credit card statement showing the charge
• A cancelled check

Claims submitted without valid proof of payment may be rejected.

Other Health Insurance (OHI) EOB: If the beneficiary has other health insurance (like a host nation plan or private insurance), TRICARE pays secondary. The EOB from the primary insurance showing what they paid or denied must be included with the TRICARE claim.

The requirement for detailed, itemized bills and verifiable proof of payment places an administrative responsibility on beneficiaries receiving care overseas, particularly from providers unfamiliar with TRICARE.

It is crucial to request and retain these documents at the time of service to avoid delays or denials during the reimbursement process. Failure to provide adequate documentation is a common reason for claims issues.

Medical Claims Filing Addresses

If submitting claims by mail, they must be sent to the correct TOP Claims Processing address. The address depends on the overseas region where the care was received and whether the claim is for an Active Duty Service Member or other beneficiaries.

Specific addresses (typically P.O. Boxes in Madison, Wisconsin, USA) are listed on the TOP website under “Claims Mailing Addresses” and on the main TRICARE site’s “Filing Claims Overseas” page.

Medical Claims Filing Deadlines

TRICARE allows a longer filing period for care received overseas compared to stateside. Claims for services received in foreign countries must be filed within three years from the date of service or the date of discharge from an inpatient stay.

(This contrasts with the one-year filing deadline for care received within the U.S. and its territories).

This extended timeframe acknowledges the potential challenges in obtaining necessary documentation from international providers. However, filing claims as soon as possible is always recommended to expedite reimbursement.

Filing Dental Claims (TDP)

Claims for the TRICARE Dental Program are handled separately by the TDP contractor, United Concordia. Network dentists usually submit claims electronically.

If a beneficiary needs to file their own TDP claim (e.g., for care from a non-network dentist), they should follow the procedures outlined by United Concordia on the TDP website https://www.uccitdp.com/ or contact UCCI’s OCONUS customer service.

Navigating Special Overseas Situations

Beyond routine healthcare needs, beneficiaries may encounter specific situations while overseas that require understanding particular TRICARE rules and procedures.

Using TRICARE While Traveling Abroad (Temporary Trips from the US)

Beneficiaries enrolled in stateside TRICARE plans (like TRICARE Prime or TRICARE Select in the East or West regions) remain covered when traveling temporarily outside the United States. Key points include:

Covered Care: Coverage during temporary travel is generally limited to medically necessary urgent and emergency care.

Routine Care: Routine or elective care should be obtained before traveling internationally, as it is typically not authorized during short trips. Seeking routine care while traveling may require complex pre-authorization involving both the stateside contractor and International SOS.

Accessing Care:

• In an emergency, go to the nearest appropriate facility
• For urgent care, beneficiaries can generally see any local provider
• Notification to International SOS after receiving care is recommended, especially if admitted
• ADSMs and their families should utilize MTFs if accessible

Payment and Claims:

• Travelers should expect to pay upfront for medical services received overseas
• It is essential to obtain detailed, itemized bills and proof of payment (receipts)
• Claims for reimbursement must be filed with the TRICARE Overseas Program contractor (International SOS), following the procedures outlined in Section 7
• Claims should be sent to the address corresponding to the region where the care was received
• The three-year filing deadline applies

Travel Insurance: While not required by TRICARE, purchasing supplemental travel health insurance is an option beneficiaries may consider. Travel insurance can help cover upfront payments or services not covered by TRICARE.

If a beneficiary has travel insurance, that policy pays first, and TRICARE pays secondary. Claims must be filed with the travel insurer first, and their EOB submitted along with the TRICARE claim.

Medical Evacuation (MEDEVAC)

Medical evacuation refers to the transport of a patient from one location to another, often by air or boat ambulance, to receive necessary medical care that is unavailable locally. TRICARE coverage for MEDEVAC is subject to strict criteria:

Coverage Criteria: Air or boat evacuation is covered by TRICARE only if it is deemed medically necessary. Medical necessity for evacuation typically requires that:

• Standard ground ambulance transport is not feasible or timely
• The patient’s medical condition requires urgent or emergent treatment that cannot be safely or adequately provided at the current location
• The evacuation is to the closest appropriate medical facility capable of providing the required level of care. This may be a military or civilian facility.

Destination Limitation: A critical point is that TRICARE covers evacuation only to the nearest facility that can provide the necessary care. Evacuation to a more distant facility, including transport back to the United States solely for convenience or patient preference when adequate care is available closer, is generally not covered.

Coordination and Payment:

• For ADSMs and ADFMs enrolled in TRICARE Prime Overseas or Prime Remote Overseas: If an air evacuation meets the medical necessity criteria, International SOS will typically coordinate the evacuation and provide it on a cashless/claimless basis. Beneficiaries needing assistance should contact their TOP Regional Call Center.
• For all other beneficiaries (including those on TSO, TFL, retirees, Reserve Select/Retired Reserve members): While TRICARE will still cover the cost of a medically necessary evacuation meeting the criteria, these beneficiaries may be required to pay the potentially substantial costs upfront and then file a claim for reimbursement with International SOS. They may also bear more responsibility for coordinating the transport and medical arrangements.

Non-Covered Evacuations: Evacuations that do not meet the strict medical necessity and closest facility criteria will not be paid by TRICARE. Beneficiaries opting for such transports (e.g., choosing to return to the U.S. when appropriate care is available nearer) are responsible for the full cost, which can be extremely high.

Supplemental MEDEVAC Insurance: Due to the strict coverage limitations and potential for high upfront costs (especially for non-Prime beneficiaries), individuals living or traveling extensively overseas may wish to consider purchasing separate medical evacuation insurance that offers broader coverage, such as transport back to the U.S. for stabilization or recovery, which TRICARE typically does not cover.

The stringent rules surrounding MEDEVAC, particularly the “closest appropriate facility” limitation and the potential for significant upfront costs for many beneficiaries, represent a considerable financial risk. Understanding these limitations is crucial for informed decision-making about supplemental insurance coverage.

TRICARE For Life (TFL) Overseas

TRICARE For Life provides Medicare-wraparound coverage for beneficiaries entitled to Medicare Part A and enrolled in Medicare Part B. It functions differently overseas where Medicare generally does not apply.

Eligibility Overseas: To have TFL coverage overseas, beneficiaries must meet standard TRICARE eligibility requirements and be enrolled in both Medicare Part A and Medicare Part B.

Maintaining enrollment in Medicare Part B, including paying the monthly premiums, is mandatory to keep TFL eligibility, even while living overseas where Medicare itself provides no coverage (outside U.S. territories).

This requirement is often a point of confusion but is essential for retaining TRICARE coverage under TFL. Coverage under TFL is automatic once Medicare Parts A and B are active and DEERS is updated; no separate TFL enrollment form is needed.

How Coverage Works Overseas: In foreign countries (outside the U.S. and its territories like Guam, Puerto Rico, etc.), Medicare does not cover healthcare services. Consequently, when a TFL beneficiary receives TRICARE-covered care in these locations, TRICARE acts as the primary payer, not secondary.

Accessing Care: TFL beneficiaries overseas can seek care from any TRICARE-authorized provider. Referrals are generally not required for most care, similar to TRICARE Select, but pre-authorization from International SOS is needed for certain services.

Beneficiaries can use the TOP provider directory or call International SOS for assistance finding providers. Care at MTFs may be available on a space-available basis.

Costs Overseas: Because TRICARE is the primary payer for covered services received in foreign countries, TFL beneficiaries are responsible for paying the standard TRICARE annual deductible and applicable cost-shares for their beneficiary category (e.g., retiree Group A or Group B).

This means TFL overseas functions similarly to TRICARE Select Overseas in terms of cost structure. Beneficiaries should consult the TRICARE Compare Cost Tool or the TFL Cost Matrix on tricare.mil for specific deductible and cost-share amounts.

There is no separate enrollment fee for TFL itself, but the Medicare Part B premium must be paid. The TRICARE catastrophic cap applies.

Claims Process Overseas: TFL beneficiaries receiving care in foreign countries should expect to pay upfront for services. They must then file a claim directly with the TFL overseas claims processor, International SOS, for reimbursement.

The claim submission process (online portal or DD Form 2642 by mail) and documentation requirements (itemized bill, proof of payment) are the same as detailed in Section 7. The three-year filing deadline applies.

Essential Resources and Contact Information

Navigating TRICARE overseas is made easier by utilizing the correct resources and knowing who to contact for assistance.

Key Websites

• TRICARE Official Site – The primary source for overall TRICARE benefit information, eligibility rules, general cost details, and links to regional/overseas resources.
• TRICARE Overseas Program (TOP) Site – Managed by International SOS, this site is essential for overseas beneficiaries. It contains the overseas provider directory, specific plan details, claims portal access, regional contact information, forms, and news relevant to care outside the U.S.

International SOS Government Services, Inc.

Role: The single contractor responsible for administering the TRICARE Overseas Program. Their functions include:

• Managing the overseas provider network
• Processing referrals and authorizations
• Handling claims submitted for overseas care
• Providing customer support and medical assistance to beneficiaries

Contact Information: The best way to find specific contact numbers (including regional call centers, medical assistance lines, and country-specific toll-free numbers) is via the “Contact Us” section of the TOP website.

MyCare Overseas™ App & Portal

Features: A valuable tool provided by International SOS for overseas beneficiaries. It allows users to:

• Search for providers
• Check eligibility
• View claim status
• Access referral/authorization details
• Connect with support teams (including Near Patient Teams where available)
• Find country-specific emergency numbers
• Request medical record translations
• Set appointment reminders

Access: Available as a mobile app (iOS and Android) and a web-based portal accessible at https://top.internationalsos.com/beneficiary.

More information and download links at: https://www.tricare-overseas.com/beneficiaries/resources/beneficiary-app.

Regional Support Infrastructure

TOP Regional Call Centers: Operated by International SOS, these centers are available 24/7 to assist with enrollment, referrals, authorizations, coordinating urgent/emergency care, and answering claims questions. Contact numbers vary by region (Eurasia-Africa, Latin America & Canada, Pacific) and are found on the TOP website’s contact page.

TRICARE Area Offices (TAOs): Located in each overseas region (Eurasia-Africa, Latin America & Canada, Pacific), TAOs provide higher-level TRICARE program support and oversight within the region. Contact information (commercial phone, DSN, email) is available on the TRICARE Overseas Resources page on tricare.mil.

TRICARE Service Centers (TSCs): These offer in-person customer service and assistance, typically located within or near overseas MTFs. TSC staff can help with:

• Understanding plan options
• Enrollment
• Claims filing
• Resolving problems
• Navigating care with local providers or MTFs

TSCs are only located overseas, not in the U.S. Locations can be found via tricare.mil or the Overseas Resources page.

Beneficiary Counseling and Assistance Coordinators (BCACs): BCACs are generally located at MTFs worldwide and serve as advocates and problem-solvers for beneficiaries navigating TRICARE. While TSCs provide dedicated overseas in-person support, beneficiaries encountering complex issues at an overseas MTF may also inquire about BCAC availability.

Other Important Contacts

MHS Nurse Advice Line: Available 24/7 by phone at 1-800-TRICARE (874-2273), Option 1. Offers health advice from registered nurses. However, overseas beneficiaries must remember that any care recommendations still need to be coordinated and authorized through International SOS/TOP Regional Call Center according to their plan rules.

Medical Claims Filing Addresses: Specific P.O. Box addresses in Madison, WI, USA, designated by region (Eurasia-Africa, Latin America/Canada, Pacific) and sponsor status (ADSM vs. Non-ADSM) for mailing paper claims. Found at:

• https://www.tricare-overseas.com/beneficiaries/claims/top-claims-mailing-addresses
• https://tricare.mil/PatientResources/Claims/MedicalClaims/FilingOverseas

Dental Claims/Support (TDP – United Concordia):

• OCONUS Toll-Free: 844-653-4060
• OCONUS Toll: +1-717-888-7400
• Website: https://www.uccitdp.com/

Pharmacy Support (Express Scripts):

• Phone: 1-877-363-1303
• Website: https://militaryrx.express-scripts.com/

Table 3: Key Overseas Contact Information Summary

Our articles make government information more accessible. Please consult a qualified professional for financial, legal, or health advice specific to your circumstances.