What is the TRICARE Overseas Program?
Quick Answer
The TRICARE Overseas Program provides healthcare coverage for beneficiaries outside the US, administered by International SOS. It offers Prime and Select options in overseas areas.
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Detailed Answer
The TRICARE Overseas Program (TOP) provides healthcare coverage for TRICARE-eligible beneficiaries who are stationed, living, or traveling outside the United States and its territories. TOP is administered by International SOS Government Medical Services and covers three overseas regions: Eurasia-Africa, Latin America and Canada, and the Pacific. Beneficiaries overseas can enroll in TRICARE Prime Overseas (available near overseas military bases with adequate provider networks), TRICARE Prime Remote Overseas (for active duty in remote overseas locations), or TRICARE Select Overseas (available to all eligible beneficiaries worldwide). Healthcare is provided through military treatment facilities overseas and a network of International SOS-credentialed civilian providers. Beneficiaries may need to pay upfront for civilian care and submit claims for reimbursement, especially in areas without established provider networks. TOP covers emergency care worldwide, and beneficiaries traveling overseas temporarily can receive urgent and emergency care through the program. Prescription services overseas follow different procedures than stateside, and beneficiaries should coordinate with International SOS for pharmacy needs.
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Related Questions
What is TRICARE Prime?
TRICARE Prime is a managed care health plan similar to an HMO that provides comprehensive coverage with a primary care manager, low out-of-pocket costs, and referrals for specialty care.
How to get TRICARE overseas?
Contact International SOS, the overseas TRICARE contractor, to enroll in TRICARE Prime Overseas or TRICARE Select Overseas before or upon arriving at your overseas duty station.
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.
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