FALLS CHURCH, Va. –
Note: This article was updated July 1 to clarify the processes for getting care and filing claims.
Do you have an upcoming trip? TRICARE covers you whether you travel across the country or around the world. Whether you’re heading out for business or taking a family vacation, understanding your coverage options helps you stay prepared for any health issues that might arise.
“Most travelers won’t need medical care during their trip, but if you do, you don’t want to be caught off guard by the process,” said Danielle McCammon, Chief, TRICARE Overseas Program, TRICARE Health Plan, at the Defense Health Agency. “Taking time to understand your coverage and prepare before leaving will save you stress and confusion if you need care while traveling.”
Get all routine care before you travel. TRICARE may not cover routine care after you leave for your trip. This preparation can save you time, money, and convenience while you travel. Here’s what you need to know to get care when you need it.
Getting care while traveling in the U.S. or U.S. territory
When traveling, your TRICARE coverage travels with you. However, knowing the right steps to take can make all the difference in getting timely care and avoiding unexpected costs.
Emergency care
If you reasonably believe you have an emergency, always call 911. Or, go to the nearest emergency room. TRICARE covers
emergency care while you’re away from home.
If you have a TRICARE Prime option, call your primary care manager or regional contractor within 24 hours or the next business day after getting emergency care. This step ensures your care stays coordinated and covered under your plan.
Finding urgent care
You can get
urgent care from any TRICARE-authorized urgent care center or network provider. The network depends on which region you’re in. To find a network provider, use the
Find a Doctor Tool to search the provider directory for the region you’re visiting, or contact the
regional contractor for assistance.
For health advice, call the Military Health System Nurse Advice Line. Nurses are available 24/7. This service can help you decide if you need immediate care or if your condition can wait until you return home.
Filing claims
Understanding the claims process before you travel can prevent delays in reimbursement later.
- If you live in the U.S. and see a network provider in the U.S.: They’ll file claims on your behalf.
- If you live overseas and see a network provider in the U.S.: They’ll file claims on your behalf.
If you have other health insurance or travel insurance, you must file with them before submitting to TRICARE.
If you get a medical bill and are unsure what to do, contact your TRICARE regional contractor.
Getting care while traveling overseas
International travel requires additional preparation, but TRICARE still has you covered. The key difference is understanding the unique requirements and resources available. Knowing how to get health care, based on your TRICARE plan, can provide peace of mind.
Emergency care
If you need emergency care, go to the closest emergency facility. If you don’t know where one is located or are unsure what to do, you can call the TRICARE Overseas Program contractor, International SOS, 24/7, 365 days a year for assistance.
Finding care
To find a TRICARE overseas network provider, use the TRICARE Overseas Provider Search Tool. You can also call the TRICARE Overseas Program contractor, International SOS, 24/7, 365 days a year for help finding a network provider.
Filing claims
Financial procedures work differently overseas. You may be required to pay upfront and file a claim for reimbursement. To file for reimbursement, you’ll need a completed DD2642, an itemized bill, and proof of payment. Submit all claims for care received overseas to International SOS. Proper documentation from the start makes the reimbursement process much smoother.
If you have other health insurance or travel insurance, you must file with them before filing with TRICARE.
You have three years from the date of service to submit an overseas claim. Keep all receipts, itemized bills, and medical records.
Note: If you get care while on a cruise ship in international waters, this is considered overseas care. You may be required to pay upfront and file a claim with International SOS for reimbursement.
Follow-up care
Your care doesn’t end when your trip does. If you got care while traveling, keep your records and contact your PCM or your primary doctor when you return home. This continuity of care helps ensure any treatment you received while traveling integrates properly with your ongoing health care.
Prescriptions while traveling
Don’t let prescription needs catch you off guard during your trip. Fill all prescriptions before you travel. If you fly, keep medications with your carryon bag. If you need medication while away, you have options:
TRICARE Pharmacy Home Delivery may work for long trips, but don’t use it for medication you need right away. Planning around your prescriptions ensures you stay healthy and comfortable.
Your coverage extends everywhere
Plan ahead, know your options, and travel with confidence knowing TRICARE covers you wherever you go. With the right preparation and understanding of your benefits, you can focus on enjoying your travels instead of worrying about potential health care needs. For more information, visit Getting Care When Traveling.