Can I have TRICARE and other health insurance?
Quick Answer
Yes, you can have TRICARE with other health insurance. TRICARE coordinates benefits and usually pays after other insurance.
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Key Takeaways
- TRICARE coordinates with other insurance
- Other insurance usually pays first
- Must report other coverage to DEERS
- Can reduce out-of-pocket costs
Detailed Answer
TRICARE can work alongside other health insurance through coordination of benefits.
How Coordination Works
- Other health insurance (OHI) typically pays first
- TRICARE pays remaining eligible costs
- Can reduce or eliminate out-of-pocket expenses
- Must file claims with both insurers
Types of Other Coverage
- Employer-sponsored insurance
- Spouse's employer insurance
- Medicare (for those 65+)
- VA disability healthcare
- Medicaid (in some cases)
Important Rules
- Must report OHI to DEERS
- Always present both insurance cards
- OHI pays first, then TRICARE
- Some providers may only bill one
Medicare and TRICARE
- Must have Medicare Parts A and B at 65
- TRICARE For Life wraps around Medicare
- Medicare pays first, TFL pays remaining
Benefits of Dual Coverage
- Lower out-of-pocket costs
- Access to more providers
- Coverage gaps filled
- Better prescription coverage possible
Reporting Requirements
- Update DEERS with all insurance info
- Provide policy numbers and group info
- Update when insurance changes
Related TRICARE Terms
Related Questions
How much does TRICARE cost?
Costs vary by plan and beneficiary status. Active duty members have no costs. Retirees and their families pay enrollment fees and cost-shares.
What is TRICARE For Life and who qualifies?
TRICARE For Life is Medicare wraparound coverage for TRICARE-eligible beneficiaries age 65+ who have Medicare Parts A and B.
What coverage should I add once I'm enrolled in TRICARE?
TRICARE covers medical care but leaves gaps in dental, vision, life insurance, and legal planning. Most military families add at least one supplemental product within the first year.
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