How does TRICARE work during a PCS move?
Quick Answer
TRICARE coverage continues uninterrupted during a PCS move. Update your address in DEERS, select a new PCM at your new location, and contact your new regional contractor. You have 90 days to complete enrollment changes.
Related Video
Key Takeaways
- Coverage continues uninterrupted during a PCS move
- Update DEERS with your new address immediately upon arrival
- A PCS move qualifies you to change plans within 90 days
- Request 90-day prescription supplies before moving
Detailed Answer
A Permanent Change of Station (PCS) move triggers important TRICARE changes, but your coverage continues without interruption during the transition.
Before Your PCS Move
- Obtain copies of medical and dental records for all family members
- Request 90-day prescription supplies through home delivery
- Get referrals for any ongoing specialty care
- Note your current treatment plans and upcoming appointments
During the Move
- TRICARE coverage remains active throughout your move
- Use any emergency room for urgent needs during transit
- Carry your TRICARE ID card and keep it accessible
- Save your regional contractor contact information
After Arriving at Your New Location
- Update your address in DEERS immediately (online via milConnect or at an ID card office)
- Select a new Primary Care Manager (PCM) if enrolled in TRICARE Prime
- Contact your new regional contractor if you changed regions
- Schedule new patient appointments at your new MTF or civilian provider
- Transfer specialty care referrals to new providers
Changing TRICARE Regions
- If your move crosses regional boundaries (East to West or vice versa), your contractor changes
- East Region: Humana Military
- West Region: TriWest Healthcare Alliance
- Enrollment transfers automatically when you update DEERS
- Allow 2-4 weeks for the transition to process
OCONUS Moves (Overseas)
- TRICARE Overseas Program managed by International SOS
- Different enrollment requirements and provider networks
- Active duty automatically enrolled in TRICARE Prime Overseas
- Family command sponsorship may affect coverage timing
Qualifying Life Event
- A PCS move is a qualifying life event
- You can change your TRICARE plan (Prime to Select or vice versa) within 90 days
- This applies even outside of Open Season
Special Considerations for Families
- If family members move separately, update each person's address in DEERS
- Ensure children's immunization records transfer to new schools
- Find new pediatricians and specialists before arriving if possible
Helpful Tips
- Get copies of all medical records before leaving your current duty station
- Stock up on 90-day prescription supplies via home delivery before your move
- Research providers and MTFs at your new location before arriving
Related TRICARE Terms
Related Questions
How do I switch between TRICARE Prime and Select?
You can switch plans during the annual Open Season (Nov-Dec) or after a Qualifying Life Event like PCS, birth, or marriage.
What are TRICARE Qualifying Life Events?
Qualifying Life Events include PCS, marriage, divorce, birth, adoption, loss of coverage, and status changes that allow enrollment changes outside Open Season.
What are the TRICARE regions and contractors?
TRICARE has two US regions (East and West) plus overseas regions, each with a contracted health plan administrator managing the network.
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