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TRICARE Health Program

For Overseas Retirees & Families

Retirees: You're TRICARE is secure in Korea!

Retirees living overseas are enrolled in the TRICARE Overseas Program (TOP) either in the TRICARE Select plan (under age of 65) or TRICARE For Life plan (65 or older).  TRICARE is made easy in Korea because of the large availability and easy to use world-class Korean medical facilities, many of which have International Service Centers to manage TRICARE filing for you. Here's a list of such facilities.  Read more about local Korean Health Care services on our Korean Medical Health Care page.  For non-retired veterans, this unfortunately does not apply, because as you are aware, TRICARE does not cover non-retired veterans.  You can however, use the Foreign Medical Program (FMP) of VA Healthcare.

In Korea you may seek our care from any overseas civilian provider without a referral regardless whether the provider is IN or OUT of the TRICARE network. For those hospitals without an International Service Centers you should expect to pay the full amount of the bill, and submit a claim to the TOP Claims processor for reimbursement after the fact. Be aware, out-of-network or nonparticipating TRICARE network providers can charge any amount they wish for care. It's your responsible to pay any amount above the TRICARE-allowable amount.

TRICARE Overseas Program (TOP)

The TRICARE Overseas Program (TOP) https://www.tricare-overseas.com is the DOD’s health care program that covers retirees, their family members, and other eligible beneficiaries in the overseas region. The TRICARE Overseas is not a "TRICARE plan", it is a "Region" i.e. your webmasters TRICARE plan is TRICARE For Life, and living in the Overseas region. TOP is the program that manages this region.

Collect TRICARE SOS: 011-65-6338-9277
From Korea Toll-free: 080-429-0880
From U.S. Toll-free: 1-877-678-1208
Global 24 Network Service Team: +63-2-8687-8656

Your TRICARE, whether it be TRICARE Select of TRICARE For Life, can be used just about anywhere in Korea.  As mentioned earlier many of the Korean medical facilities will bill TRICARE direct as they are TRICARE Network Providers and have International Help Centers, so you don't even after to file claims.  Those that are not on the network, you can still use and then file claims to TRICARE.  For those, you will pay 100% upfront, and get reimbursed with your claim.

What Providers Can I See in TOP?

The TOP program allows you the flexibility to see any provider "IN" or "OUT" of the TRICARE Network,  anywhere in Korea, whether TRICARE For Life or TRICARE Select.  You will always have a 25% cost share.  TRICARE pays/reimburses 75%, after the deductible has been met, and you pay the remaining 25%.  There is a Catastrophic Cap, which adjusts slightly year to year, that is around $3,000.00, so your out of pocket costs will be limited to that cap.  Once that Catastrophic Cap is met, TRICARE will pay/reimburse you 100%.  As an example, your webmaster had a major stroke in 2017 spending almost 6 weeks at Ajou University Medical Center in Suwon (world-class) that racked up a $90,000 bill - I paid $3,000 out of pocket, TRICARE paid the rest.  No complaints here.

Getting the Terms Correct: TRICARE Overseas is NOT a TRICARE Plan

Many get confused when asking about TRICARE and refer to TRICARE Overseas as a TRICARE plan. As mentioned above, TRICARE Overseas is only a Region, not a plan.  When talking with a TRICARE representative it is so important to understand the terms so all involved are talking the same language and nothing is lost in translation.

  • TRICARE Overseas is a REGION (just like TRICARE East & West in the States).
  • TRICARE Select is a PLAN.  In Korea you are in the TRICARE Overseas region on the SELECT plan.
  • TRICARE For Life is a PLAN.  In Korea you are in the TRICARE Overseas region on the TRICARE FOR LIFE plan.

MHS GENESIS: The Electronic Health Record

MHS GENESIS is the Military Health System's modern electronic health record that provides a single health record for service members, veterans, and their families. It goes to the MHS GENESIS Patient Portal, which replaced the TRICARE Patient Portal, is a secure website for 24/7 access to your health information, including managing appointments, exchanging messages with your care team and now supports prescription refill requests online.

MHS Genesis Patient Portal

TRICARE For Life

Whether you’re new to TRICARE For Life (TFL) or you’ve had it for years, you may have questions about getting care with TFL.

TFL is Medicare-wraparound coverage for military retirees and their family members who are TRICARE-eligible and have Medicare Part A and Part B. Medicare is your primary health coverage when you have TFL, if you are NOT overseas. Yes, TFL works differently if CONUS or NONCONUS.

Medicare provides coverage only in the U.S. and U.S. territories, which then Medicare paying first on a health care claim and TRICARE paying second. This means when CONUS your medical bills are covered 100%.

Medicare doesn’t cover care in overseas locations, thus TFL becomes your primary health coverage, unless you have other health insurance (OHI). When overseas TRICARE pays first (75% currently) and the retiree picks up the remaining 25% out-of-pocket.

TRICARE For Life is Actually Medicare

As mentioned above, in the U.S. Medicare is the first payer and TRICARE the second payer, but while overseas, TRICARE becomes the first payer and you the retiree pickup the remaining balance. What many do not realize however, is TRICARE For Life is actually paid for via Medicare behind the scenes, something none of us see, or really care about, but TFL is in fact a Medicare component. Read more about it's history and connection to Medicare below to understand more about this.

A retiree gets Tricare for Life (TFL) either for turning 65 years old or for collecting Social Security Disability (SSDI). Here's more about TFL:

  • You must enroll in Medicare Part B to keep TFL, even overseas!
    Yes, in order to keep TRICARE after the age of 65 you must enroll in Medicare Part B, even though you cannot use Medicare overseas. You must enroll and pay into it in order to keep TRICARE. Once Medicare enrollment is complete, you will be automatically enrolled into TFL. There is no monthly cost for TFL, but you do pay for Medicare. Read more on out Medicare page.
  • At the age of 65 your TRICARE Select ends and TRICARE For Life (TFL) begins
  • There is NO OTHER TRICARE option than TFL when turning 65
  • TFL requires you enroll in Medicare Part B. More on our Medicare page
  • TFL does not require referrals - You to decide who and where to be seen
  • TFL works anywhere in the world! You may need to pay 100% upfront and then submit for reimbursement, but you can use TFL anywhere.
  • READ MORE ABOUT TRICARE FOR LIFE FURTHER DOWN THIS PAGE
  • Read the TRICARE FOR LIFE HANDBOOK

 "I Live Overseas, do I need to keep my TRICARE?"

This is a common question by many, because we do not have Medicare coverage overseas.  It is a personal choice each of us must make based on our situation.

Some elect NOT to enroll in Medicare, choosing not to pay for something they can't use (although in reality it is indirectly) and instead elect to purchase Korean Health Insurance.  This leads to losing TRICARE completely, which might be fine of you never ever leave Korea, but as soon as you go to the US or any other country, you are no longer covered for health care.

Here are some things you need to consider if you are contemplating this:

  • If you return to the US even for a visit, you have no healthcare. Korean Insurance doesn't work in the U.S.
  • TRICARE For Life is actually Medicare Wrap-around coverage, so technically you are using Medicare
  • If you decline Medicare, and decide later you want it, there are penalties in pricing. The longer you wait, the bigger the penalty.
  • Medicare Part B isn't that expensive compared to other insurance, in fact cheaper in many (most) cases

Soooooo, I for one, a retiree living in Korea over the age of 65, am a firm believer in keeping my TRICARE intact and paying for Medicare. But, to each their own.

TFL for Foreign Spouses who are non-working, and without a Social Security Number

 A foreign spouse of a retiree is eligible to keep TRICARE For Life!

  • Fact: Spouses of military retirees get care for life (as long as they do not remarry)
  • Fact: Spouses of military members should never lose TRICARE medical coverage
  • Fact: Foreign spouses are not eligible for Medicare on their own
  • Fact: Spouses are not required to have a Social Security Number
  • Fact: Spouses are not required to have lived in the U.S. to qualify for TRICARE
  • Fact: Spouses of military retirees do not need work Earned Credits to be eligible for Medicare enrollment


Toss all these facts into a blender and what comes out is, foreign spouses are eligible for TFL by virtue of their retired spouse's eligibility. All military retirees are eligible for Medicare, even if they are not using it yet. They can actually be eligible as young as the age of 38, with benefits not starting until age 65.

What all this means is that foreign spouses at age 65 can enroll in and start paying for Medicare based on sponsors eligibility . They do not get Medicare! They have only TFL! But the fact is, based on their military retirees eligibility, foreign spouses are eligible to retain TRICARE and transition to TFL at 65 even if they are foreign citizens, don't have a Social Security Number or never lived in the U.S.  Read more about Medicare here...

 "My Foreign Born Spouse is Older Than Me the Retiree. How Does Her TFL Work at 65?"

Lets use an example to answer this.  My spouse is only eligible for Medicare based on my retiree eligibility. She just turned 65, but I am only 60 and the minimum age for my eligibility is 62, so my spouse cannot enroll in Medicare Part B for 2 more years. Does she go for 2 years without TRICARE? NO!  The spouse can get a letter from TRICARE to delay Medicare Part B enrollment until I the retiree turns 62. This will allow my spouse to remain on TRICARE Select for 2 years, at which time we enroll my spouse into Medicare Part B and gets TFL. 

TRICARE For Life is Medicare Wrap-around coverage

In the restructuring of TRICARE in 2001, several years after CHAMPUS changed to TRICARE, the idea was for TRICARE to end at age 65, and dump everyone into Medicare.  Read a 2021 Interview and Story By TRICARE Communications.  There was a great out cry from veterans groups about this, especially since Medicare cannot be used overseas, so TRICARE For Life (TFL) was invented as a Medicare wrap-around. Part of this compromise was that enrollees would have continuing TRICARE coverage, but would have to pay for Medicare Part B.  Read more on our Medicare page.

Enrollment not required:
  • Coverage is automatic if you have Medicare Part A and B
  • You must pay Medicare Part B premiums
Available worldwide:
  • TRICARE pays after Medicare in the U.S. and U.S. Territories, but...
  • TRICARE is the first payer in all overseas areas

When Medicare is incorrectly listed as OHI = Interrupts TRICARE

Sometimes certain TRICARE records get flagged showing Medicare Part A & B as "OHI" Other Health Insurance.  IT IS NOT!  This is an incorrect clerical annotation in the TRICARE record.  If you have TRICARE For Life and are ever told that your record shows Medicare Part A & B as OHI, they WILL NOT bill TRICARE until that gets changed. You must call TRICARE Claims Processing at 080-429-0880 and have them correct this by either changing the question of "OHI?" from YES to NO, deleting that from the record, or coding it with something else, not OHI.

Inexperienced Claims Processors on the line with you at TRICARE may or may not know about this.  The experienced folks do, what we call the "good ones", so if you get the run-around and the "it should be good" responses, ask for a supervisor.

TRICARE SELECT
  • If you are under the age of 65, and are not eligible for TRICARE For Life under disability conditions (occurs under 65), retirees and their family members will be enrolled in TRICARE Select.
  • TRICARE Select has a monthly payment per person of approx. $12+ a month. The rate does change (increase) as the years go by. As of Jan 2023 it is $12.70 per month, per person.
  • TRICARE Select does not require referrals to be seen and claim local hospital visits. It allows you to decide who you want to see and where you want to be seen.
  • When Overseas it's either TRICARE for Life or TRICARE Select . Retirees who are not yet 65 have but one choice for TRICARE coverage while overseas: TRICARE SELECT.
  • READ MORE ABOUT TRICARE SELECT FURTHER DOWN THIS PAGE

But, Why Not PRIME?

To be clear, Yes, there are in fact two different non-TFL plans: PRIME and SELECT, but as a retiree overseas you cannot enroll in PRIME, thus TRICARE Select is your only option until qualifying for TFL.  This means downtown medical care on the local economy, not at a military hospital or MTF.  As a retiree you can use MTF's "IF" the MTF in your area allows for it for Space A access, or you are on their PLUS program, but not all MTF's allow Space A or offer the Plus program.

TRICARE Plus Program

TRICARE Plus is a PROGRAM not a plan, and it is only offered at certain MTF's as determined by each MTF Commander, usually based on the ability to support the program or not.  The TRICARE Plus Program allows retirees to register at their hospital of record and be assigned a PCM. Availability for the Plus program changes often, so check with each MTF's TRICARE office. POCs listed below.

Currently Osan AB is the only MTF we are aware of that still supports the Plus program, although you must wait for an empty position to open before you can join the plan.  They only have so

Understanding TRICARE Deductible, Co-pay and Catastrophic Cap

DEDUCTABLE: The amount you pay before your TRICARE coverage starts to pay. Until you meet the maximum of your deductible, you pay 100% of your medical bill.  For retirees (who almost all fall under Group A) deductibles for 2023 are $351.96 per individual and $703.92 per family. Deductibles are annual, thus they start all over every January 1st.

CO-PAY: Once you meet the initial deductible as described above, TRICARE begins paying 75% of your medical bills.  Co-pay is the 25% TRICARE does not pay. You pay that co-pay of 25%.  This continues throughout the calendar year until you reach the Catastrophic Cap.

CATASTROPHIC CAP: Once your deductible and co-pays equal, or exceed, the catastrophic cap amount, then you pay nothing! TRICARE pays if all within that year. The catastrophic cap for retirees under TRICARE For Life is $3,000

And again as a reminder: When January 1st rolls around, it all starts over for that next year

TRICARE Costs and Fees 2023https://www.tricare.mil/-/media/Files/TRICARE/Publications/Misc/Costs_Sheet_2023.pdf

Knowing Your 2023 TRICARE Plan’s Catastrophic Caphttps://newsroom.tricare.mil/Articles/Article/3265784/start-2023-knowing-your-tricare-plans-catastrophic-cap

Prescriptions, Refills, Dental and Vision Programs

Your options for refilling prescription medications

Retirees in Korea have several possible options to refill their prescription medications.

These options range from free refills at a US military medical facility to mail-order to paying downtown on the economy and a TRICARE claim or paying out-of-pocket and eating the costs, not the obvious choice of course.

VA is not an option since there is not a VA clinic in Korea.

Prescriptions can be filled and refilled at military pharmacy's in Korea with no fees. The MHS Genesis Patient Portal also now includes an online Refill option similar to the one TRICARE Online had.

Prescriptions written by local Korean hospitals, if they are a TRICARE affiliated facility here in Korea, will be honored at the on-base military hospital. As an example, if you have a script written from Ajou Medical Hospital, and the meds prescribed are available at the Osan AB Pharmacy, Osan will fill your meds. Same at Brian Allgood Hospital at Humphreys. The pharmacy will first translate the written prescription to make sure they have the medication, and if so, they will honor the script. If however, the meds prescribed are not available on-base, you have two options: go downtown and pay, or get in to see a base doctor and see if there is an alternative medication.

You can send in a TRICARE claim for prescriptions you purchase at downtown Korean pharmacies. If you receive your meds at one of the preferred hospitals like Ajou however, their International Service Center you work with will include the meds in the TRICARE claim they submit.  But, if you need a med they don't carry or are out of, and you have to purchase "outside" you have to submit a claim for it yourself.

Express Scripts® Pharmacy  and Mail Orders

Express Scripts® manages ALL medications under TRICARE. This includes home delivery, retail pharmacy, and even on-base prescriptions. Some think Express Scripts® relates only to mailed prescriptions, but that is not the case. Being integrated like this across the three delivery methods makes it very easy for them to switch from one method to another.

Mail Orders: Express Scripts® Pharmacy mails prescriptions only to U.S.-based addresses, to State Department Pouch Mail, and APO/FPO/DPO addresses.

Important Note: Once turning 65 and TRICARE For Life, downtown Korean retail pharmacies are no longer covered by TRICARE for expense claims, so using a mail order becomes more worthwhile vs depending on the local economy. This of course is not relevant if using an on-base pharmacy at an MTF.

TRICARE claim: Visit any local Korean pharmacy off base, pay out of pocket and then file a TRICARE claim. The alternative however, is to buy off base and DON'T file a claim if your cost out-of-pocket is less than the pharmacy copayment. Drugs in Korea are generally a fraction of their US price, so this happens often for many retirees.

Pre-existing Prescription from CONUS PCM: If you have a prescription issued from a stateside PCM, you can get it filled at a US military pharmacy here in Korea (Osan, Humphreys etc). Using Osan as the example, you need only register with the TRICARE office in the Osan hospital to use the Osan Pharmacy.  If the pharmacy has your medications, they will fill it.

51st Medical Clinic Pharmacy Osan AB: DSN 784-2185, Commercial 0505-784-2185

Dental and Vision Services

Limited Services from Military Facilities in Korea

Dental services at the USAG Humphreys Brian Allgood Hospital, Osan AB 51ts Medical Hospital, and other military facilities around Korea are almost non-existent for retirees. The military facilities are just not manned to handle it, so they don't offer the services.

Federal Employees Dental and Vision Insurance Program (FEDVIP)

FEDVIP Dental is a voluntary (you pay for) dental insurance plan. Even though the title says "Federal Employees", it is also for Retirees, Family Members of Retirees, and Survivors, . You can enroll during open enrollment season in November.  To enroll outside of open season, you must fall into one of three categories as listed on their website at https://www.benefeds.com/education-support/enroll-plan-year.  There are several different programs to select from. If you have questions regarding enrollment, please call BENEFEDS Customer Service

Using Korean Dentists

In Korea, more common than not, retirees use dental and vision services on the local economy.  Korea provides excellent doctors and services at very reasonable prices (fractions), and is very convenient since there are so many.  This is by far the most common way of receiving services, primarily because it's the easiest to obtain.

Know Your TRICARE Coverage While Traveling Overseas

The Poppin' Smoke travel blog expert Stephanie, along with the TRICARE Around The World TRICARE expert John, have a great writeup on using TRICARE while traveling overseas, which is the same good advise for those living overseas such as in Korea, like us.  Some of the topics they cover are listed below.  Check out the page at https://www.poppinsmoke.com/tricare-coverage-while-traveling-overseas.

  • Resources Related to Using TRICARE Overseas
  • What to Know Before You Travel
  • Getting Care While Overseas
  • Prescriptions While Traveling
  • Travelers in Medicare/TRICARE for Life
  • What About Medical Evacuation/Air Ambulance?
  • TRICARE Beneficiaries Living Overseas


Claims Portal - How to File Your TRICARE Claims Overseas

By TRICARE Communications NEWS | Jan 30, 2023

FALLS CHURCH, Va. – Do you need to file a TRICARE Overseas claim for medical care or prescriptions you received overseas? If so, it’s important to understand the different TRICARE Overseas claim submission methods available to you.

“There’s more than one way to submit a TRICARE claim overseas,” said Michael Griffin, program analyst with the TRICARE Overseas Program Office at the Defense Health Agency. “Choosing the quickest method to submit your claim and knowing what information you may need to provide can help ensure you get your claim processed in a timely manner.”

Medical Claims
You can submit your claim directly the TRICARE Overseas Program (TOP) claims processor. There are three options.

1. TRICARE Overseas Secure Claims Portal
The TRICARE Overseas Secure Claims Portal is the fastest and most secure way to submit a claim. You can use the wizard, which helps guide you through the process. This ensures the claims processor receives your claim instantly and enters it directly into the claims processing system. You can also submit your claim via secure messaging through the portal. This is slightly slower, as your claim is entered into the system manually.

There are other benefits of using the portal, as detailed in this claims video. You can:

  • Track the status of your claim.
  • Review your payment information.
  • Communicate directly with WPS, the claims processor.
  • Sign up for electronic funds transfer (direct deposit) to a U.S. bank account.

You must first register to use the portal. To learn how to register for and use the portal, check out the tutorial videos.

2. Secure Fax
Using secure fax is another quick way to submit a claim. Fax your claim to +1-608-301-2251. Your claim is considered received on the same day of submission.

3. Overseas Postal Mail
Using postal mail is the least timely way to submit a claim and receive reimbursement. Because overseas-to-U.S. mail delivery timelines vary, delivery can take up to 28 days.

To help ensure that WPS processes your TRICARE Overseas claim in a timely manner once received, be sure to fully complete and sign the claim form (DD Form 2642). Remember to include the following required information:

  • A clear and legible itemized bill or invoice from the provider, detailing the services rendered and the provider’s name and address.
  • A narrative description of the reason for the medical services received.
  • Proof of payment
  • Proof of other health insurance (OHI), if applicable. If you have OHI (such as national health insurance), TRICARE is always the last payer. If applicable, include any explanation of benefits (EOB) from your OHI, outlining any payment or denial.

To find the mailing address you should use, go to TOP Claims Mailing Addresses.

Allow up to 30 days for WPS, the claims processor, to process your TRICARE Overseas claim after they receive it. In some cases, they may ask you to send additional information to determine benefit coverage to complete processing of the claim. After your claim is processed, it may take up to 28 days to receive your reimbursement in the mail.

Pharmacy Claims
Do you need to file a claim for your prescription? This depends on where your prescription was filled. As noted in the TRICARE Pharmacy Program Handbook, you don’t need to file a claim if your prescription was filled at a military pharmacy, through TRICARE Pharmacy Home Delivery, or at a TRICARE retail network pharmacy.

If your prescription was filled at a non-network pharmacy, you’ll need to file a claim to get reimbursed for covered prescription drugs. For prescriptions filled at non-network pharmacies in the U.S. or the U.S. territories of American Samoa, Guam, the Northern Mariana Islands, Puerto Rico, or the U.S. Virgin Islands, Express Scripts is the pharmacy contractor to send your claim. For prescriptions filled outside the U.S. and U.S. territories, submit your claim to WPS.

You can do this either online through the secure claims portal or by mail. Be sure to submit proof of payment with your overseas pharmacy claims. If you’re in the Philippines, you must get your prescription filled at a TRICARE-certified pharmacy to ensure your claims are reimbursed. Visit Pharmacy Claims to learn more about filing claims.

Deadlines to File Claims
The deadline to file a claim depends on when and where you received care. For care in the U.S. and U.S. territories (American Samoa, Guam, the Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands), you have one year from the date of service or discharge to submit a claim. For overseas care, you have three years. The currency exchange rate is determined by the last date of service or discharge for an inpatient admission.

For more information on how to file your TRICARE Overseas claim, check the TOP website. If you have questions or need help, you can contact your TOP Regional Call Center.

In-Network vs. Out-of-Network TRICARE Providers

This is kind of irrelevant for Korea, but we will mention it anyway. When searching for a doctor, you may come across the terms “network provider” or “non-network provider.” If in the states understanding these two provider types matters, but here in the overseas world not so much. In fact not at all, UNLESS you are in the Philippines. Read more about the two types on the TRICARE website under network provider or non-network provider. In addition, there is also a term called Authorized Provider, but here too, in the overseas world (except the Philippines), this is not relevant.

Why "UNLESS you are in the Philippines"? In the Philippines, you need to see a preferred provider or a certified provider. Use the Philippine Provider Search Tool to locate a provider near you.

Former Spouse Entitlements After Divorce

After a divorce, unremarried former spouses may be eligible for TRICARE coverage if falling under one of these two rules:

  • 20/20/20 Rule: You were married to the service member for at least 20 years, the service member served in the armed forces for at least 20 years, and the marriage and the period of service overlapped for at least 20 years.
  • 20/20/15 Rule: You were married to the service member for at least 20 years, the service member served in the armed forces for at least 20 years, and the marriage and the period of service overlapped for at least 15 years.

To learn more about Former Spouses go to the TRICARE Former Spouses website at https://tricare.mil/Plans/Eligibility/FormerSpouses

How Divorce Impacts Your TRICARE Benefits

By TRICARE Communications NEWS |Sep 20, 2022

https://newsroom.tricare.mil/Articles/Article/3163752/how-divorce-impacts-your-tricare-benefits

FALLS CHURCH, Va. – The divorce process can create intense emotions. You might feel frustrated or confused during this time. Thinking about your TRICARE benefits may be the last thought on your mind. However, it’s something you must consider. “TRICARE won’t pay for services or supplies provided to anyone who isn’t eligible for TRICARE, so it’s important you understand how your TRICARE coverage may change for you, your children, and your ex-spouse,” said Shane Pham, TRICARE policy and program analyst at the Defense Health Agency. “If a former spouse or a stepchild who wasn’t adopted loses eligibility in a divorce and continues to get care, TRICARE can recoup those payments which adds an extra layer of difficulty during an already challenging time.” Read Q&A to learn more about how divorce affects your TRICARE health benefits at https://newsroom.tricare.mil/Articles/Article/3163752/how-divorce-impacts-your-tricare-benefits

History of TRICARE

The Tricare program is managed by the Defense Health Agency. Before 1 October 2013, it was managed by the Tricare Management Activity under the authority of the Assistant Secretary of Defense (Health Affairs). On that date, it was disestablished and TRICARE responsibility was transferred to the newly established Defense Health Agency.

Historically, health care for military personnel and their dependents was provided in military medical facilities as promised by the military, and through a referral system, by civilian medical personnel where military physicians were not available in a certain specialty, or when and where overcrowding of a military medical facility occurred.

Active duty military personnel always have priority for care in military medical facilities. After World War II and the Korean War, especially with the growth in the standing forces of the U.S. military due to the Cold War, access to care in military facilities became increasingly unavailable for military retirees and the dependents due to resource constraints and growing demands on the system. It was at this time that the concept of "space-available basis" (Space) for military retirees and military dependents was first noted. To address this problem, Congress passed the Dependents Medical Care Act of 1956 and the Military Medical Benefits Amendments of 1966. These acts allowed the Secretary of Defense to contract with civilian health care providers. This civilian health care program became known as the Civilian Health and Medical Program of the Uniformed Services (CHAMPUS) in 1966.

In the late 1980s, because of escalating costs, paperwork demands, and general beneficiary dissatisfaction, DoD initiated a series of demonstration projects. Under a program known as the CHAMPUS Reform Initiative, a contractor provided both health care and administrative-related services, including claims processing. The Tricare Reserve Retired project was one of the first to introduce managed care features to the CHAMPUS program. Beneficiaries were offered three choices – a health maintenance organization-like option called Tricare (CHAMPUS) Prime that required enrollment and offered enhanced benefits and low-cost shares, a preferred provider organization-like option called Tricare (CHAMPUS) Extra that required use of network providers in exchange for lower cost shares, and the standard CHAMPUS option that continued the freedom of choice in selecting providers but required higher cost shares and deductibles known as Tricare Standard.

Although DOD's initial intent under the CHAMPUS Reform Initiative was to award three competitively bid contracts covering six states, only one bid, made by Foundation Health Corporation (now Health Net) covering California and Hawaii, was received. Foundation delivered services under this contract between August 1988 and January 1994.

TRICARE is BORN: In late 1993, in response to requirements in the DOD Appropriation Act for Fiscal Year 1994, the DoD announced plans for implementing a nationwide managed care program for the MHS that would be completely implemented by May 1997. Under this program, known as Tricare, the United States was divided into 12 health care regions. An administrative organization, the lead agent, was designated for each region and coordinated the health care needs of all military treatment facilities in the region. Under Tricare, seven managed care support contracts were awarded covering DOD's 12 health care regions.

Since then, TRICARE has undergone several restructuring initiatives, including re-alignment of contract regions, Base Realignment and Closure, and the addition of "Tricare for Life" benefits in 2001 for those who are Medicare-eligible, and "Tricare Reserve Select" in 2005

TRICARE Network Hospitals in Korea

World-class Hospitals and University Medical Centers in Korea included in the TRICARE network with International Service Centers who file claims directly to TRICARE. TRICARE patients pay the 25%, and the Service Centers do the rest.

  AREA I (CAMP CASEY)

Uijeongbu St. Mary's Hospital

Tel: 031-820-3636
Website: https://www.cmcujb.or.kr/

Processes TRICARE Claims: YES

  AREA II (SEOUL)

Asan Medical Center

Tel: 02-3010-5002
Website: https://eng.amc.seoul.kr/

Processes TRICARE Claims: YES

  AREA II (SEOUL)

Samsung Medical Center

Tel: 02-3410-0232
Website: https://www.samsunghospital.com/english

Processes TRICARE Claims: YES

  AREA II (SEOUL)

Seoul National University Hospital

Tel: 02-2072-4100
Website: http://www.snuh.org/global/en/

Processes TRICARE Claims: YES

  AREA II (SEOUL)

Severance Hospital

Tel: 02-2228-5819
Website: https://sev.severance.healthcare/sev-en/

Processes TRICARE Claims: YES

  AREA II (SEOUL)

Seoul St. Mary's Hospital

Tel: 02-2258-5749
Website: https://www.cmcseoul.or.kr/

Processes TRICARE Claims: YES

  AREA II (SEOUL)

Yeouido St. Mary's Hospital

Tel: 02-3779-2212
Website: https://www.cmcsungmo.or.kr/en.common.main.main.sp

Processes TRICARE Claims: YES

  AREA II (SEOUL)

Seoul National Univ. Bundang Hospital

Tel: 031-787-2042
Website: https://www.snubh.org/dh/en/

Processes TRICARE Claims: YES

  AREA III (CAMP HUMPHREYS)

Dankook University Hospital

Tel: 041-550-7640/7641
Website: https://www.dkuh.co.kr/eng/

Processes TRICARE Claims: YES

  AREA III (CAMP HUMPHREYS)

Ajou University Medical Center

Tel: 031-219-4010
Website: http://global.ajoumc.or.kr/Eng/

Processes TRICARE Claims: YES

  AREA III (CAMP HUMPHREYS)

Good Morning Hospital

Tel: 031-5182-7690
Website: https://en.goodmhospital.co.kr/

Processes TRICARE Claims: YES

  AREA III (CAMP HUMPHREYS)

Hallym University Dongtan Hospital

Tel: 031-8086-2300
Website: https://dongtan.hallym.or.kr/eng

Processes TRICARE Claims: YES

  AREA III (CAMP HUMPHREYS)

Yonsei Dawoom Hospital

Tel: 031-651-1313
Website: https://www.facebook.com/yonseidawoom/

Processes TRICARE Claims: YES

  AREA III (CAMP HUMPHREYS)

St. Vincent Hospital

Tel: 031-249-8019
Website: https://www.cmcvincent.or.kr/

Processes TRICARE Claims: NO

  AREA III (CAMP HUMPHREYS)

Seoul Counseling Center, Pyeongtaek

Tel: 031-692-5556
Website: https://seoulcounseling.com

Processes TRICARE Claims: YES

  AREA IV (CAMP WALKER)

Gumi CHA Hospital

Tel: 054-450-9870
Website: http://eng-kumi.chamc.co.kr/

Processes TRICARE Claims: YES

  AREA IV (CAMP WALKER)

Keimyung Univ. Dongsan Hospital

Tel: 053-258-4001, 4002, 4004, 4005
Website: https://eng.dsmc.or.kr:49910/content/02global/

Processes TRICARE Claims: YES

  AREA IV (CAMP WALKER)

Daegu Fatima Hospital

Tel: 053-940-7520
Website: https://www.fatima.or.kr/eng/

Processes TRICARE Claims: YES

  AREA IV (CAMP WALKER)

Yeungnam University Hospital

Tel: 053-620-3500
Website: https://yumc.ac.kr:8443/PageLink.do?link=yumc/12_english/health

Processes TRICARE Claims: NO

  AREA IV (CAMP WALKER)

Hyosung Hospital

Tel: 053-766-7073
Website: https://www.hshospital.co.kr/en/

Processes TRICARE Claims: YES

  AREA IV (CAMP WALKER)

Kyungpook National University

Tel: 053-200-2042
Website: https://en.knu.ac.kr/main/

Processes TRICARE Claims: NO

TRICARE POC's in Korea, Resources and Contacts

TRICARE Regional Beneficiary Center Korea
USAG Humphreys One-Stop Bldg
DSN: 737-1433 / COMM: 05033-37-1433

TRICARE Office Brian G. Allgood Army Hospital, Korea
USAG Humphreys Hospital Bldg 3031
DSN: 737-1437 / COMM: 05033-37-1437

TRICARE Office 51st Medical Hospital, Korea
Osan AB Hospital
DSN: 784-2273 / COMM: 0505-784-2273

TRICARE Contacts:

TRICARE official page: 

Addresses to submit claims by mail:

Full directory of Tricare partner phone numbers:  (billing, dental, ExpressScripts, regional, MilitaryOneSource, Crisis Line, and more):

TRICARE Overseas

TRICARE For Life (TFL)

U.S. Family Health Plan (USFHP)

Asia-Pacific (Singapore):

  • 65-6339-2676 from overseas
  • 1-877-678-1208 from a U.S. phone

TRICARE Overseas call centers are open around the clock (24 hours), Monday - Friday local time

Money-saving tip: When calling internationally, use Skype or similar app on your smartphone or computer. With Skype, U.S. toll-free numbers are free and international numbers are just pennies per minute.

VIDEO EPISODE #6

Transitioning to Medicare & TRICARE for Life

VIDEO EPISODE #2

Types of TRICARE Providers

TRICARE FAQ's

YES

TRICARE continues to provide coverage for family members when a sponsor dies, especially the surviving spouse if that spouse has not remarried.  If the spouse has remarried, they lose all retired benefits including TRICARE.

You don’t need to enroll in TRICARE For Life (TFL). When you turn 65, you must have Medicare Part A and Medicare Part B to keep your TRICARE benefits or you must have proof you aren’t eligible for premium-free Medicare Part A.

If you’re eligible for premium-free Medicare Part A, sign up for Medicare Part B no later than 2 months before you turn 65 to avoid a break in coverage. Your TFL coverage starts the day you have both Medicare Part A and Medicare Part B. To learn more, visit the Beneficiaries Eligible for TRICARE and Medicare page.

Note: If you have an active duty sponsor, you don’t have to sign up for Medicare Part B until your sponsor retires. Sign up no later than 2 months before your sponsor retires to avoid a break in TRICARE coverage.

YES

Your only options are TRICARE Select Overseas or TRICARE For Life (TFL) Overseas. You must update your address in the Defense Enrollment Eligibility Reporting System (DEERS).

Moving is a Qualifying Life Event (QLE). Visit the QLE page to learn more.

Note: This applies to any family members moving with you.

  • Under 65 and Don’t have Medicare: you must enroll in TRICARE Select Overseas. To learn more, visit the TRICARE Select Overseas page.
  • Have Medicare: you must keep Part B even though Medicare doesn’t cover care overseas. TFL will be your primary payer. Learn more at TFL Overseas page

NO

Your child must report the marriage to DMDC/DEERS Support Office as soon as possible. If your child doesn't report it in a timely manner and continues to get care, TRICARE will recoup on all claims paid during periods of ineligibility.

If the marriage ends (for example, by divorce or death), while your child is under age 21 or 23 as a full-time student, your child may get back his or her TRICARE-eligibility.

For eligibility questions, call the DMDC/DEERS Support Office.

Note: This also applies to young adults covered by TRICARE Young Adult.


Enrollment fee: None, but you must pay the Medicare Part B monthly premium.

Cost shares: Most of the time, you won’t have cost shares because both Medicare and TRICARE cover most services. You’ll pay out-of-pocket when Medicare doesn't cover a service, when TRICARE doesn't cover a service, or when Medicare and TRICARE don't cover a service.

To learn more and to download the TRICARE For Life Cost Matrix, visit the TRICARE For Life costs page

    More than 200 FAQ on the TRICARE FAQ page.

    NO

    You’re eligible for TRICARE For Life if you:

    -  Show as TRICARE-eligible in the Defense Enrollment Eligibility Reporting System (DEERS); and
    -  Have Medicare Part A and Part B.

    Eligibility begins on the first day you have both Medicare Part A and Part B.

    To learn more, visit the TRICARE For Life page.


    YES

    Call OPM's Retirement Information Office at 1-888-767-6738 to obtain a suspension form.

    YES.  You can get covered vaccines from any TRICARE-authorized provider. TRICARE covers vaccines at no cost.  TRICARE covers age-appropriate doses of vaccines, as recommended by the Centers for Disease Control and Prevention (CDC).  TRICARE also regularly adds coverage for new vaccines based on CDC recommendations.