2. SYNOPSIS
• REQUIREMENTS OF ELIGIBILITY
• COVERED vs. NON-COVERED SERVICES
• COSTS OF PATICIPATING AND NON-PARTICIPATING
PROVIDERS
• IN vs. OUT-OF-NETWORK PROVIDERS
AND FINANCIAL REIMBURSEMENT
3. WHO IS ELIGIBLE?
• ACTIVE OR RETIRED MILITARY
PERSONEL
• MUST BE YOUNGER THAN 65
• DEPENDANT UNMARRIED CHILDREN
• SPOUSES MARRIED TO AN ACTIVE
OR RETIRED MILITARY SERVICE
MEMBER
4. COVERED vs. NON-COVERED SERVICES
COVERED
• ALL EMERGENT CARE
• HOSPITALIZATION
• REGULAR EYE EXAMS
• DURABLE MEDICAL
EQUIPMENT
• CARDIOVASULAR
• PREVENTITIVE AND
IMMUNIZATION
NON-COVERED
• BIRTH CONTROL
• COUNSELING
• COSMETIC
PROCEDURES
• WEIGHT LOSS
• LONG TERM CARE
FACILITIES
• PODIATRY
5. PARTICIPATING vs. NON-PARTICIPATING
PROVIDERS
• A 1/4th to 20% co pay is required for
outpatient services
• Annual deductibles must be met out
of pocket
• Catastrophic Cap of 1,000-3,000
• Members are responsible for non
participating services up to 115% of
charges.
6. NETWORK vs. NON-NETWORK PROVIDERS
AND FINANCIAL REIMBURSEMENT
Network Providers
• Fee schedule is a
contractual agreement
• Network Providers have
a maximum allowable
charge
• Providers must Submit
all service claims
electronically for
reimbursement
Non Network Providers
• Can not charge over
115% of allowable
amount
• Patient is responsible
for co-insurance out of
pocket
• Non covered services
will be billed directly to
the patient
7. REFERENCE
– AMRA TRICARE Supplement. (2012). Eligibility. Retrieved
-------------from http://www.amratricaresupplement.com/Eligibility.html
– HealthNet Federal Services. (2012). Becoming a TRICARE Non-
Network Provider. Retrieved -------------from
https://www.hnfs.net/provider/home/Becoming+A+Non-
Network+Provider.htm
– McGraw Hill Co. (2013). Medical Insurance: An Integrated Claims
Process Approach, Third Edition. TRICARE AND CHAMPVA. Chapter
12.
– TRICARE. (2012). What’s Not Covered. Retrieved-----------, from
http://74.125.93.132/search?
q=cache:4MnwaIWnvV8J:www.tricare.mil/tricareu/docs/19_Whats-Not-
Covered.doc+services+not+covered+by+tricare&cd=1&hl=en&ct=clnk&
gl=us&client=safari
– TRIWEST Healthcare Alliance. (2012). TRICARE covered benefits and
services. Retrieved --------------from
http://www.triwest.com/document_library/pdf_docs/CvrBen_QRG.pdf
This presentation will discuss the important aspects of TRICARE benefit coverage. The presentation will include who is eligible, what is covered and what is not The presentation will discuss network providers and out of network providers, as well as participating providers vs. non participating providers, Lastly a review over reimbursement of charges.
In order to qualify for TRICARE coverage the applicant must be married to or themselves be in the United States Armed Services and be younger than 65 years of age. The military service member can be in active duty or retired from service. The applicant can also add their dependent children to their policy. Members of the National Guard and Reserves are eligible for TRICARE coverage as well after 20 years of service and are at least 60 years old at the time they apply.
AMRA TRICARE Supplement. (2012). Eligibility. Retrieved February 7, 2013, from http://www.amratricaresupplement.com/Eligibility.html
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TRICARE is consistent in the fact that all services covered must be medically necessary. Situations deemed emergency are always covered. Inpatient hospitalization is covered including required testing and procedures such as X-Ray, lab work, medication, and screening as appropriate. TRICARE covers preventative medicine such as cancer screening and immunizations. TRICARE covers long term illnesses such as diabetes. TRICARE also covers basic eye exams, dental exams, and hearing screening. For dependant children annual well child check up are also covered. Similar to other plans TRICARE excludes benefit coverage for certain services. Guidance counseling, birth control, weight loss, podiatry, are among these restrictions. While TRICARE covers a hospital stay they do not cover the cost of a private room unless deemed medically necessary to prevent spread of infection.Nursing home coverage and cosmetic procedures are also non covered services
TRICARE. (2012). What’s Not Covered. Retrieved February 7, 2013, from http://74.125.93.132/search?q=cache:4MnwaIWnvV8J:www.tricare.mil/tricareu/docs/19_Whats-Not-Covered.doc+services+not+covered+by+tricare&cd=1&hl=en&ct=clnk&gl=us&client=safari
TRIWEST Healthcare Alliance. (2013). TRICARE covered benefits and services. Retrieved February 7, 2013, from http://www.triwest.com/document_library/pdf_docs/CvrBen_QRG.pdf
When seeing a participating TRICARE provider, similar to other insurance providers members must meet a deductible before full benefits take over. Members must meet a twenty percent co pay for any outpatient services. Spouses and children of deceased military and retired military have a 1/4th of total cost co payment. When seeing a provider who does not participate in the TRICARE program member are responsible up to 115% of the services rendered. Also, there is an annual catastrophic cap of 1,000.00 per active duty family per fiscal year and 3,000.00 per retired family per fiscal year. After this cap is met TRICARE covers 100%.
McGraw Hill Co. (2008). Medical Insurance: An Integrated Claims Process Approach, Third Edition. TRICARE AND CHAMPVA. Chapter 12.
Health care provider in TRICARE’s Network agree on a fee schedule for services rendered. Private practices sometimes determine weather or not to accept TRICARE on specific cases situation. The provider must submit all claims electronically to TRICARE for payment. Then the provider must collect the remaining patients portion from the patient. Non network providers may not charge past the fee schedule more than 115% or the patient can refuse to pay for services rendered. The patient is also responsible for any co insurance costs they incur out of pocket, When a out of network provider submits a claims to TRICARE and it is rejected, the patient is responsible for financial reimbursement to the provider.
HealthNet Federal Services. (2012). Becoming a TRICARE Non-Network Provider. Retrieved February 7, 2013, from https://www.hnfs.net/provider/home/Becoming+A+Non-Network+Provider.htm