known as Champus, is the health plan that is available to the brave service men
and women (and their families) that protect our country.
in the military were required to go to a designated military facility for
medical services and treatment. Due to issues with these facilities, including
limited number of facilities and overcrowding, this requirement was changed
sometime in the 1980’s when the program was restructured to mirror the way
health plans are administrated by health insurance companies.
- Direct access to any of the
hundreds of providers that will accept the Tricare allowed amounts.
- Internal departments that would
handle the enrollment, premium collection and claim processing services.
- Redesigned health plans to
include the cost containment features of a managed care plan.
simplification and expanded access to care made it much easier for our military
heroes and their families to receive the care they need.
and their families can choose one of the numerous health plans based on the
category they fall in, some of the categories are:
- Active duty and their families
- Active National Guard/Reserve
and their families
- Qualified Former spouses
- Medal of Honor Recipients
- Retired service members and
- Missing in action
Military and their families have several different plan
types available to them depending on their status, some of these plan types
- TRICARE Prime, Remote and Overseas
- this plan is available to active duty members and their families and
well as other categories of service members and their families. This
plan is a zero cost plan as long as in network providers are used. No
premiums, no deductibles, no copays, and no out of pocket costs. This
plan is similar to an HMO plan where members are assigned a Primary Care
Physician and directed to participating providers. This plan also has
a Point of Service component where out of network providers can be used at
out of pocket costs.
- TRICARE Standard, Extra and Overseas
- this plan is available to active duty members and their families as well
as other categories of service members and their families. This plan works
like a PPO plan where in network or out of network providers can be used.
- TRICARE for Life – Available to
military members who have Medicare part A and Part B. This plan works like
a Medigap plan were the Tricare plan will pay only after Medicare has paid
- TRICARE Reserve Select –
Available to Qualified Selected Reserve members and their families. This
plan works like a PPO plan, in network or out of network providers can be
used. Members pay the annual premium, plan deductibles and coinsurance
- TRICARE Retired Reserve –
Available to qualified retired reserve members and their families and
survivors of retired reserve members. This plan works like a PPO plan
where in network or out of network providers can be used. Members pay the
annual premium, plan deductibles and coinsurance amounts.
- TRICARE Young Adult- for adult
dependents of eligible service men and women that are age 21-26. Premiums
- US Family Health Plan -
available to active duty members and their families and well as others
categories of service members and their families who live in designed
service members have a lot of different health plan options based on what
category they fall into, but no need to worry, all of this has been sorted out
by the time they reach the provider’s office.
ID card will be the first step to finding out the plan, eligibility and
benefits that are available – in other words you will handle this plan just as
you would every other health plan.