Q&A: Moving and Your TRICARE Coverage (2024)

Q&A: Moving and Your TRICARE Coverage (1)When you move, it’s important to make sure your TRICARE coverage is ready to move with you. Updating your information in DEERS and with your regional contractor are important parts of the moving process. By being proactive, you can ensure that you and your family have access to the care you need in your new location. (U.S. Army photo by Fort Jackson Public Affairs Office)

5/24/2024By:TRICARE Communications

Share this page

Recommended Content:

Information for Patients: About TRICARE | Qualifying Life Events | Defense Enrollment Eligibility Reporting System

FALLS CHURCH, Va. – As summer approaches and permanent change of station (PCS) season kicks into high gear, many military families find themselves preparing to move to a new duty location. Amid all the packing and planning, it’s important to make sure your TRICARE coverage is ready to move with you.

“Moving is a TRICARE Qualifying Life Event,” said Shane Pham, an analyst with TRICARE Policy and Programs at the Defense Health Agency. “This means that your family members may be able to enroll in or change their TRICARE plans.”

A QLE opens a 90-day period for you and your family to make eligible enrollment changes, as described in the TRICARE Qualifying Life Events Fact Sheet. This means you have 90 days from the date of your move to change your plan. You must change your address in the Defense Enrollment Eligibility Reporting System (DEERS).

Here are answers to common questions about TRICARE and moving.

Q: I’m planning to move soon. What do I need to do to maintain my TRICARE coverage?

A: After you move, the first step is to update your information in DEERS. You’ll need to provide your new address. Your address determines whether or not you live in a Prime Service Area. You should also make sure your phone number and email address are up to date, too. This ensures you receive important notifications from TRICARE about your coverage.

If you don’t update DEERS after you move, you may have problems getting care. In some cases, you may be disenrolled from your TRICARE plan if your address isn’t up to date in DEERS.

Tip: Don’t disenroll from your current TRICARE plan before you move. Your current plan will cover you on your way to your new location.

Q: How do I update my information in DEERS?

A: You can update your contact information in DEERS online via milConnect, by phone, or by visiting a local ID card office.

Q: Do I need to do anything else after I move?

A: Yes. You should call your regional contractor to update your address.

Your next steps are based on your beneficiary status and TRICARE plan.

If you have TRICARE Prime and your new location is in a Prime Service Area, you’ll need to choose a new primary care manager (PCM) after you move. Your PCM is the doctor or other health care professional who provides your routine care and referrals. You can choose a new PCM by calling your regional contractor or using the online portal on their website. TRICARE Prime isn’t available everywhere. You may have different health plan options when you move. Check the Plan Finder to learn more.

If you have TRICARE Select, you don’t need to choose a PCM. You can use the Find a Doctor tool to search for TRICARE-authorized providers near you. Remember, you’ll pay less out of pocket if you get care from TRICARE network provider.

Check out Moving to learn more about what you need to do when you move based on your TRICARE plan.

Q: I have prescriptions. What should I do about my prescriptions when I move?

A: It’s a good idea to fill any prescriptions you need before you move. This can help you avoid running out of medication during the transition. Once you’re settled in your new home, you can transfer your prescriptions to a new pharmacy. You can do this by contacting your new pharmacy and providing them with your prescription information, or by asking your current pharmacy to transfer your prescriptions to the new location.

You can also transfer your prescriptions from a retail pharmacy to TRICARE Pharmacy Home Delivery. If you already use TRICARE Pharmacy Home Delivery, be sure to update your shipping address with the TRICARE Pharmacy Program contractor, Express Scripts.

For more information on managing your prescriptions, visit TRICARE Pharmacy Program.

Remember that updating your information in DEERS and taking steps to maintain your TRICARE coverage are important parts of the moving process. By being proactive, you can ensure that you and your family have access to the care you need in your new location. If you have any questions or need help, you can contact your regional contractor or visit the TRICARE website for more information.

Would you like the latest TRICARE news sent to you by email? Visit TRICARE Subscriptions, and create your personalized profile to get benefit updates, news, and more.

Q&A: Moving and Your TRICARE Coverage (2024)

FAQs

Do you have to call TRICARE when you move? ›

If you're changing TRICARE regions, you can transfer your enrollment online, by mail, or by phone after you move. If you need help completing your transfer, call the TRICARE contractor for your new region. Once you're at your new location, you may need to find a new primary care manager or health care provider.

What is the monthly cost for TRICARE for Life? ›

There are no enrollment fees or monthly premiums with this TRICARE retiree plan, because it provides “wraparound” coverage to Medicare benefits. Medicare is the primary payer. However, you must have Medicare Part A and B to qualify and pay Part B premiums, which are based on your income.

Is Medicare and TRICARE for Life enough coverage? ›

Medicare pays its share first, if any, and then TRICARE pays its share. In general, you'll pay nothing out of pocket for services covered by both plans. You may, however, have out-of-pocket costs for services not covered by TRICARE for Life and/or Medicare. There's no special enrollment card for TRICARE for Life.

What will TRICARE not cover? ›

In general, TRICARE excludes services and supplies that are not medically or psychologically necessary for the diagnosis or treatment of a covered illness (including mental disorder), injury, or for the diagnosis and treatment of pregnancy or well-child care.

Will TRICARE for Life pay if Medicare denies? ›

TRICARE pays after Medicare. In most cases, you'll pay nothing for covered services. If the care is covered by TRICARE but not Medicare, you'll pay the TRICARE For Life deductible and cost-shares.

Do spouses of military retirees get TRICARE for life? ›

Surviving spouses remain eligible for TRICARE unless they remarry and children remain eligible until they age out or lose eligibility for TRICARE for other reasons.

Who pays first Medicare or TRICARE for Life? ›

If you aren't on active duty, Medicare pays first for Medicare-covered services, and TRICARE may pay second. If you get items or services from a military hospital or clinic, or any other federal health care provider, TRICARE pays.

Why are doctors dropping TRICARE? ›

The problem stems from the fact that most Tricare managed care support contractors have negotiated physician reimbursem*nt rates that are even lower than those paid by Medicare. Unhappy with their fees, some major health care provider groups have simply dropped out of the system.

Why do doctors not accept TRICARE? ›

Among the most common reasons provided by both physicians and mental health providers for not accepting either insurance type are insufficient reimbursem*nt or their specialty not being covered; lack of awareness of TRICARE is also frequently cited, particularly among mental health providers.

Can I use TRICARE in a different state? ›

Your TRICARE eligibility doesn't change when you move. But it may change your health plan options. Keep these things in mind when you know you're about to move: Don't disenroll from any plan before you move.

Do you still have TRICARE when you leave the military? ›

Separating from the military means you leave the service before you retire. Generally, your TRICARE eligibility ends at 11:59 P.M. on your last duty day. You and your family may have temporary health care coverage if your Service grants you Transitional Assistance Management Program (TAMP) benefits.

Is TRICARE enrollment automatic? ›

You don't have to enroll to use TRICARE For Life—coverage is automatic as long as you are registered in the Defense Enrollment Eligibility Reporting System and have Medicare Part A & B.

References

Top Articles
Latest Posts
Article information

Author: Rubie Ullrich

Last Updated:

Views: 6353

Rating: 4.1 / 5 (52 voted)

Reviews: 83% of readers found this page helpful

Author information

Name: Rubie Ullrich

Birthday: 1998-02-02

Address: 743 Stoltenberg Center, Genovevaville, NJ 59925-3119

Phone: +2202978377583

Job: Administration Engineer

Hobby: Surfing, Sailing, Listening to music, Web surfing, Kitesurfing, Geocaching, Backpacking

Introduction: My name is Rubie Ullrich, I am a enthusiastic, perfect, tender, vivacious, talented, famous, delightful person who loves writing and wants to share my knowledge and understanding with you.