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

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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.

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

FAQs

Can you be dropped from TRICARE? ›

If you don't pay your TRICARE Prime enrollment fees (if applicable), the TRICARE contractor will disenroll you. You have 90 days from the date you were disenrolled to catch up on any missed payments.

Does TRICARE pay for out of network providers? ›

All TRICARE plans have out of network benefits but your costs vary by plan. To learn more, visit the Non-Network Providers page.

How do I know if I have TRICARE coverage? ›

How do I check if I have TRICARE?
  1. Log into milConnect.
  2. Call the DMDC/DEERS Support Office.
  3. Contact your regional contractor.

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.

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.

Can you disenroll from TRICARE? ›

As long as you remain eligible, you'll stay in your current plan. Active duty family members and retirees and their family members may choose to voluntarily disenroll from their TRICARE plan. Voluntary disenrollment isn't an option for active duty service members (ADSMs). ADSMs must stay enrolled in TRICARE Prime.

Is my military ID my TRICARE card? ›

Once you're registered in the Defense Enrollment Eligibility Reporting System. You need to register in DEERS to get TRICARE., you'll be issued a uniformed services identification (ID) card. Providers will ask to see your ID card and will make copies for his or her records.

Are all veterans eligible for TRICARE? ›

Not all veterans are eligible for TRICARE. Your Service decides if you and your family members are eligible. They report the information in DEERS. To learn more, visit the TRICARE Eligibility page.

Can I see my own doctor with TRICARE? ›

With TRICARE Select and our premium-based plans, you can get care from any TRICARE-authorized network provider without a referral or pre-authorization, in most situations.

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.

Does TRICARE pay for ER visits? ›

TRICARE covers emergency care to include professional and institutional charges and services and supplies that are ordered or administered in an emergency department. Emergency care means care for an illness or injury that threatens your life, limb, sight, or safety.

What are some disadvantages of TRICARE? ›

TRICARE Standard disadvantages:
  • Most expensive option.
  • Must pay a deductible and cost share.
  • No PCM to guide patient care.

How do you lose TRICARE eligibility? ›

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.

Can you ever lose TRICARE for life? ›

Note: In order to be covered under TFL, beneficiaries must be enrolled in Medicare Part B and have a current military ID card. Beneficiaries entitled to Medicare Part A who decline Medicare Part B coverage will lose TRICARE eligibility.

How does TRICARE become inactive? ›

Your TRICARE coverage begins on the first day of your orders for you and your family. After serving on active duty for more than 30 days, you leave active duty—or deactivate. You may purchase TRICARE Reserve Select, if you qualify.

Can I drop my wife from my TRICARE insurance? ›

Because getting divorced is a TRICARE Qualifying Life Event (QLE), you and your eligible children may make changes to your TRICARE Prime or TRICARE Select health plans. You have 90 days after the divorce to do so, if you choose to do so.

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