TRICARE Overseas Program
TOP
Quick Definition
TRICARE coverage for beneficiaries living or traveling outside the United States.
Full Definition
The TRICARE Overseas Program (TOP) provides healthcare coverage for TRICARE-eligible beneficiaries who are stationed, living, or traveling overseas. TOP is administered by International SOS and offers three plan options: TRICARE Prime Overseas, TRICARE Select Overseas, and TRICARE Prime Remote Overseas.
TOP plan options: • TRICARE Prime Overseas: Available in areas with designated Prime Remote locations; requires PCM enrollment • TRICARE Select Overseas: Available to all eligible beneficiaries overseas; self-managed care • TRICARE Prime Remote Overseas: For active duty members in remote overseas locations
Coverage under TOP includes: • Medically necessary inpatient and outpatient care • Emergency services • Prescription medications • Mental health and substance use disorder services • Maternity care
Important considerations for overseas beneficiaries: • Claims are processed by International SOS • You may need to pay upfront and file for reimbursement • Host-nation providers may have different medical practices • Medical evacuations are coordinated when local care is insufficient • Coverage varies by location and plan type
TOP ensures that military families and retirees overseas continue to receive quality healthcare regardless of their global location.
Related Questions
How does TRICARE work when stationed overseas?
TRICARE Overseas Program (TOP) provides coverage for service members and families stationed outside the US through military facilities and civilian providers.
Who is eligible for TRICARE Overseas?
Active duty members, retirees, and their families stationed or residing overseas are eligible for TRICARE Overseas Program coverage.
Related Terms
TRICARE Prime
Managed care option with assigned PCM and lowest costs.
TRICARE Select
Self-managed option with provider choice and flexibility.
International SOS
The overseas contractor that assists TRICARE beneficiaries living or traveling abroad.
Host-Nation Provider
A healthcare provider in a foreign country who treats TRICARE beneficiaries stationed overseas.
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