Can I use any civilian hospital in an emergency?
Quick Answer
Yes, any civilian hospital can be used for true emergencies. TRICARE covers emergency care regardless of network status or location.
Related Video
Key Takeaways
- Any hospital for emergencies
- No authorization needed
- Notify TRICARE afterward
- Non-emergency: Use network
Detailed Answer
Emergency care is covered at any hospital.
True Emergency Coverage
- Any hospital
- Any location
- No prior authorization
- Network doesn't matter
What Qualifies
- Life-threatening condition
- Severe symptoms
- Risk of permanent harm
- Reasonable person standard
After Emergency
- Notify TRICARE (24-72 hours)
- Transfer when stable if directed
- Follow-up may need authorization
- Keep all documentation
Non-Emergency
- Use network hospitals
- Prior authorization may apply
- Higher costs non-network
- MTF preferred when possible
Costs
- Standard copay/cost share
- Waived if admitted
- Counts toward cap
- May pay and file claim
Related Questions
What is the difference between network and non-network providers?
Network providers accept TRICARE rates and file claims for you. Non-network providers may charge more, and you may need to file claims yourself.
How does TRICARE cover emergency room visits?
TRICARE covers emergency room visits for true emergencies regardless of network status. Copays and cost shares apply but are waived if admitted.
What do most military families add to their TRICARE coverage?
Supplemental health insurance is the most common addition — it covers dental, vision, and out-of-pocket costs that TRICARE leaves uncovered. Life insurance and a legal will are also highly recommended.
See What's AvailableShare this page
Was this FAQ helpful?
Need personalized help with this?
Most military families leave benefits on the table. Our free 2-minute coverage check identifies gaps, finds potential savings, and gives you personalized recommendations.
Check My Coverage