Back to All FAQs
overseas
retirees
What TRICARE coverage do military retirees have while living overseas?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
AI-assisted (gemini, gpt-4o)
Quick Answer
Retirees overseas use TRICARE Select (under 65) or TRICARE For Life (65+ with Medicare). Space-available MTF care; may pay upfront for host nation care.
Related Video
Key Takeaways
- Select or TFL based on age
- Space-available MTF care
- Medicare does not pay overseas
- File claims for reimbursement
Detailed Answer
Overseas retiree coverage:
Under Age 65
- TRICARE Select primary
- Space-available MTF care
- Host nation providers
- Pay upfront, file claims
Age 65+ with Medicare
- TRICARE For Life
- Medicare does not pay overseas
- TFL covers overseas care
- More comprehensive
Using Care
- MTF space-available basis
- TRICARE-authorized providers
- Any licensed provider for emergencies
- Pre-authorization for some care
Cost-Shares
- Same as stateside Select
- 25% after deductible
- Catastrophic cap applies
- May pay full amount upfront
Living Overseas Tips
- Register with nearest MTF
- Find host nation providers
- Keep US address for Medicare
- Understand claims process
Helpful Tips
- Keep Medicare Part B
- Register with nearest MTF
- Understand upfront payment
Sponsored
What do most military families add to their TRICARE coverage?
Most Popular
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 100% Free Instant Results No Signup Required