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How does TRICARE work when I'm stationed or living overseas?
Quick Answer
TRICARE Overseas Program provides coverage outside the U.S. with regional contractors managing Prime and Select options.
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Detailed Answer
TRICARE coverage overseas is managed through the TRICARE Overseas Program (TOP):
TRICARE Prime Overseas
- Available in designated locations
- Requires enrollment (no fees for AD families)
- Assigned Primary Care Manager
- Referrals required for specialty care
TRICARE Select Overseas
- Available worldwide
- No enrollment required
- Freedom to choose providers
- Annual deductibles and cost-shares apply
Key Differences from Stateside
- May need to file your own claims
- Payments in local currency
- Limited provider networks
- Different emergency care procedures
Filing Claims
- Submit within one year of service
- Use DD Form 2642
- Include all receipts and documentation
Contact your regional overseas contractor for country-specific guidance.
Related Questions
What is the difference between TRICARE Prime and TRICARE Select?
TRICARE Prime is a managed care option with a primary care manager and lower costs. TRICARE Select offers more flexibility to choose providers with higher out-of-pocket expenses.
How do I find a TRICARE provider?
Use the online provider directory on your regional contractor's website or call them directly for assistance.