TRYCARE  Supplements
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How to Enroll

To receive a FREE instant quote or enroll for coverage online, click here. Or, you may download the MilicarePlus TRICARE Standard Supplement Enrollment Form in the Forms tab and follow the instructions. Be sure to review the Plan Details, including exclusions, limitations, and terms under which the policies may be continued in force or discontinued. Remember, only FRA members may enroll.

At a Glance

TRICARE Standard Supplement Insurance (MilicarePLUS)

This protection is a true value for members and their families. Designed to supplement TRICARE Standard, MilicarePLUS gives you valuable coverage at economical group rates. It helps pay for both inpatient and outpatient care and prescription drugs. This coverage offers you options to help fit your budget and needs. Choose from the Basic, Choice, or Select Plans—you are guaranteed acceptance.*

The MilicarePLUS Basic Plan—Your ACCEPTANCE IS GUARANTEED.*

The Basic Plan pays benefits 100% of the allowed amount TRICARE Standard leaves you to pay after you pay the TRICARE Standard deductible and MilicarePLUS deductible. ($300 per person, $600 for families; for active duty $250 per person, $500 for families). It's your best bet if your doctor accepts the TRICARE assignment.

The MilicarePLUS Choice Plan—You're GUARANTEED Acceptance* in the Choice Plan.

Here's how it works: The Choice Plan pays your TRICARE Standard copayment once you pay the TRICARE Standard deductible and MilicarePLUS deductible ($250 per person, $500 for families; active duty and retired). Then, if your covered medical bills are more than what TRICARE Standard allows also known as excess charges, the Choice Plan picks up 100% of these covered costs.

The MilicarePLUS Select Plan—You're GUARANTEED Acceptance* in the Select Plan.

Here's the FRA option that offers the highest coverage. It takes over once TRICARE makes its payment, and you have paid your TRICARE deductible. Plus, you won't need to satisfy a plan deductible with MilicarePLUS Select.

MilicarePLUS TRICARE Prime Insurance Supplement

MilicarePLUS can also work with your TRICARE Prime coverage to provide valuable protection for you and your family. This plan pays your TRICARE Prime copayments for inpatient care, outpatient treatment and prescription drugs.

MilicarePLUS TRICARE Reserve Select Supplement

TRICARE Reserve Select helps provide you and your family with quality health care coverage. But like many health care plans today, it was not intended to cover everything ... The money for copays, deductibles and excess charges all come out of your own pocket. This could leave you with thousands of dollars worth of bills to pay if you're not prepared. The MilicarePLUS TRICARE Reserve Select Supplement Plan offered to FRA shipmates can help make sure you're prepared.
That's because MilicarePLUS, teamed with TRICARE, helps pay your family's covered medical expenses - doctor visits, lab tests, prescription drugs, outpatient treatments, and Hospital stays. In fact, MilicarePLUS helps pay more of your medical bills!
The MilicarePLUS TRICARE Reserve Select Supplement Plan pays your TRICARE Reserve Select copayments once you pay the TRICARE Reserve Select deductible and MilicarePLUS deductible ($250 per person, $500 for families). Then, if your covered medical bills are more than what TRICARE Reserve Select allows (also known as excess charges), MilicarePLUS picks up 100% of these covered costs.
That's right, MilicarePLUS pays 100% of the difference between your eligible medical bills and what TRICARE pays for those bills. Once TRICARE makes its payment, MilicarePLUS takes over. Remember, doctors and medical providers are prohibited from charging you more than 115% of the amount TRICARE allows.

MilicarePLUS TRICARE Retired Reserve Supplement

As a Retired Reservist or Shipmate you may have recently become eligible to purchase the new TRICARE Retired Reserve Supplement Insurance coverage.
This is good news because you may now have TRICARE Retired Reserve as an alternative to your current healthcare coverage. In fact, it may be ideal for members who have been forgoing healthcare coverage altogether, are self-employed or who are currently covered by a more expensive civilian healthcare plan.
But as good as TRICARE Retired Reserve is, it’s not designed to cover everything. There are out-of-pockets costs for co-payments, cost-shares and excess charges that you will be responsible for.
It is for this reason that FRA pulled out all of the stops, leveraged the combined buying power of more than 80,000 Shipmates and negotiated this benefit…the FRA-endorsed MilicarePLUS TRICARE Retired Reserve Supplement Insurance Plans for members and their families.
Your acceptance is GUARANTEED!* You can’t be turned down for any reason (subject to the Pre-Exiting Conditions Limitation).
In addition, you qualify for affordable, members-only rates with MilicarePLUS…rates that have been specifically negotiated for FRA members. (The same is true for your spouse and children.)

*This policy is guaranteed acceptance, but it does contain a Pre-Existing Condition Limitation. Please refer to the Insurance Enrollment Form and Brochure for more information on exclusions and limitations, such as Pre-Existing Conditions.

Policy Form # SRP-1269 ASN (5191)

Coverage may vary and may not be available in all states.

FRA-ENDORSED TRICARE SUPPLEMENT INSURANCE PLANS (MILICAREPLUS)

Benefits Exclusively for Shipmates in Good Standing

  • Affordable group rates for your entire family
  • The MilicarePlus Choice and Select plans pay the difference between your actual covered medical bills and what Tricare Standard pays
  • The Select plan has no plan deductible
  • Guaranteed acceptance

    This policy is guaranteed acceptance, but it does contain a Pre-Existing Conditions Limitation. Please refer to the below description for more information on exclusions and limitations, such as Pre-Existing Conditions.

  • Surviving dependents' benefit
  • 30 day, no-hassle guarantee

Qualified Hospital

To qualify for TRICARE Standard, a Hospital must operate within the laws of the jurisdiction in which it is located and be engaged primarily in providing diagnostic and therapeutic facilities for surgical and medical diagnosis, treatment and care of injured or sick persons by or under the supervision of one or more staff physicians or surgeons, and continuously provide 24-hour nursing service by registered graduate nurses. Hospital does not include a nursing or convalescent home, a place for drug addiction or alcoholism, or a place for rest, custodial care, or care of the aged. Confined or confinement means being an Inpatient in a hospital due to Sickness or Injury.

Pre-Existing Condition Limitation

During the first two years of coverage (one year if choosing the Select Plan), losses incurred for Pre-Existing Conditions are not covered (unless you are treatment free for 12 months from the effective date). A Pre-Existing Condition means any injury or sickness including pregnancy; diagnosed or undiagnosed, for which you have received medical care within the 12-month period prior to your coverage effective date or the date of an increase in coverage. During that time, benefits for all other accidents or illnesses will be paid under the policy provisions. You are urged to consider this limitation before dropping any coverage you may have until the waiting period is over. If your dependents are currently insured under the Active Duty Supplement with FRA and you join the MilicarePLUS Retired Plan within 63 days of your discharge from active duty, we will credit you with continuity of coverage from your dependents' prior effective date.

Exclusions and Limitations

The Policy does not cover: injury or sickness resulting from war or act of war, whether war is declared or undeclared; intentionally self-inflicted injury; suicide or attempted suicide, whether sane or insane (in Missouri, while sane); routine physical exams and immunizations, except when: a) rendered to a child up to 6 years from his or her birth; or b) ordered by a Uniformed Service: (1) for a Covered Spouse or Child of an Active Duty Member; (2) for such spouse or child's travel out of the United States due to the Member's assignment; domiciliary or custodial care; eye refractions and routine eye exams except when rendered to a child up to 6 years from his or her birth; eyeglasses and contact lenses; prosthetic devices, except those covered by TRICARE; cosmetic procedures, except those resulting from a covered Sickness or Injury; hearing aids; orthopedic footwear; care for the mentally incapacitated or physically handicapped if: a) the care is required because of the mental incapacitation or physical handicap; or b) the care is received by an Active Duty Member's child who is covered by the Program for the Handicapped under TRICARE; drugs which do not require a prescription, except insulin; dental care unless such care is covered by TRICARE, and then only to the extent that TRICARE covers such care; any confinement, service, or supply that is not covered under TRICARE; Hospital nursery charges for a well newborn, except as specifically provided under TRICARE; any routine newborn care except Well Baby Care, as defined, for a child up to 6 years from his or her birth; expenses in excess of the TRICARE Cap; expenses which are paid in full by TRICARE; any expenses or portion thereof which is in excess of the Legal Limit; any expense or portion thereof applied to the TRICARE Outpatient Deductible, except as otherwise provided under the High Deductible plans; treatment for the prevention or cure of alcoholism or drug addiction except as specifically provided under TRICARE and this policy; and any part of a covered expense which the Covered Person is not legally obligated to pay because of payment by a TRICARE alternative program.

Nervous, Mental, Emotional Disorder, Alcoholism, and Drug Addiction Limitations

Your coverage provided under the inpatient benefits of the TRICARE supplement for nervous, mental and emotional disorders, including alcoholism and drug addiction, is limited to: 30 inpatient treatment days for a covered person age 19 or older; or 45 inpatient treatment days for a covered person under age 19; per fiscal year. Outpatient benefits for such disorders are limited to $500 during any period of 12 consecutive months.

Termination

Your coverage will never terminate because of medical history as long as the Master Policy remains in force, you keep paying your premium, you remain an FRA member, you remain ineligible for Medicare, or you reach age 65 (please refer to your Certificate of Insurance for details regarding Medicare eligibility). Dependents' coverage ceases when your coverage terminates; premiums are not paid; or they cease to be eligible dependents.

Monthly Rates*

MilicarePLUS TRICARE Standard Supplement Inpatient and Outpatient Plans
Age Retired Basic Plan Retired Choice Plan Retired Select Plan
  Member Spouse Member Spouse Member Spouse
Under 40 $24.54 $34.47 $32.33 $50.41 For All Ages
40–49 $30.96 $43.45 $39.50 $63.58 $201.34 $213.57
50–54 $35.90 $44.29 $50.48 $66.84    
55–59 $45.39 $51.13 $64.36 $76.23    
60–64 $58.09 $54.82 $81.09 $82.25    
  Each child $16.48 Each child $23.04 Each child $101.29
  Active Duty Basic Plan Active Duty Choice Plan Active Duty Select Plan
  Spouse $13.69 Spouse $16.48 Spouse $60.18
  Each Child $10.61 Each Child $12.70 Each Child $32.75
          

Rates and/or benefits may be changed on a class basis.

*You'll be billed four times a year. If applicable, an additional $2.00 billing fee will be included on your billing notice payable to the administrator. To save the fee, select Electronic Funds Transfer (EFT) as a safe and secure payment option.
You are eligible for coverage if you are a member or auxiliary member of Fleet Reserve Association. If you are over age 65, you must be ineligible for Medicare benefits.
Your MilicarePLUS rates will not increase unless rates increase for all in your classification. Rates are based on attained age and increase as you enter a new age bracket. Plan deductible is $250/person or $500/family for Choice Retired and $300/person or $600/family for Basic Retired. The Active Duty Plan Deductible is $250/person or $500/family for the Basic or Choice Plans.

*This is a listing of highlights for the above Insurance Plan. Be sure to review the entire website for a detailed plan description.

Important Notes:

This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company and Hartford Life Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Policy Form #SRP-1269 ASN (5191)

Answers about the plan, including eligibility, options, enrollment, customer service and more.

You qualify for MilicarePLUS with no waiting period for current health conditions if you sign up within 30 days after your employer-sponsored plan ends because you are no longer an eligible participant (for example, if you change jobs, move, or retire).
If you voluntarily end your employer plan while you are still an eligible participant, you are not eligible to have the Pre-Existing Conditions waived.

First, the MilicarePLUS Select Plan pays your TRICARE Standard copayment after you pay the TRICARE Deductible. The Choice Plan picks up your TRICARE Standard copayment after you satisfy the TRICARE Deductible and MilicarePLUS deductible ($250 per person; $500 for families).
Then, if your covered medical bills are more than what TRICARE allows (also known as excess charges), the Choice and Select Plans pick up 100% of these covered costs. Please note that doctors and medical providers who do not accept assignment are prohibited from charging you more than 115% of the amount TRICARE allows. Therefore, MilicarePLUS Choice pays only up to this amount.
MilicarePLUS helps pay your family's covered medical expenses, doctor visits, lab tests, prescription drugs, outpatient treatments, Hospital stays, x-rays, physical therapy and more.

Your MilicarePLUS protection begins on the first day of the month after your enrollment form and first premium are received, as long as you're a member in good standing. If on that date you are confined in a Hospital your coverage will be deferred until the first day after you are discharged.

As an FRA member under age 65, you and your family are guaranteed acceptance. However, insurance benefits payable are subject to the policy's Pre-Existing Conditions Limitation.

Yes, MilicarePLUS includes a 30-day, NO-HASSLE GUARANTEE. If you decide MilicarePLUS is not for you, just return your Certificate within one year of your effective date. We'll refund your money, less any claims paid. No questions asked.

When you retire, if you enroll within 63 days of the date your Active Duty coverage ends, and your family is currently covered under the MilicarePLUS Active Duty TRICARE Supplement, you may qualify to waive the waiting period for current health conditions under your MilicarePLUS Select, Choice or Basic plan.

Yes. You can enroll all or part of your family. Your spouse qualifies for coverage if he/she is not legally separated or divorced from you, unless you are required to provide coverage for such spouse by court decree. Your unmarried children can qualify for coverage up to age 21 (23 if a full-time student or 26 if covered under TRICARE Young Adult).

MilicarePLUS Basic Plan is a good choice. Basic Plan pays 100% of the allowed amount TRICARE leaves you to pay for medical charges. This occurs after you pay your TRICARE Standard and MilicarePLUS deductibles.

Policy Form #SRP-1269 ASN (5191)

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

Insurance Enrollment Form and Brochure - Standard - TS

Insurance Enrollment Form and Brochure - Prime

Insurance Enrollment Form and Brochure - Reserve Select

Insurance Enrollment Form and Brochure - Retired Reserve

FRA TRICARE Claim Form

FRA TRICARE Supplement Plan Change Form



Download Adobe Acrobat Reader

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Program Administrator

Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
Phone:1-800-424-1120
Hours: 7 a.m. to 5 p.m. M-F (Central)
Email: fra.service@mercer.com
Website: www.mercer.com

Insurance Company

Hartford Life and Accident Insurance Company and Hartford Life Insurance Company
One Hartford Plaza
Hartford, CT 06155
Website: http://www.mercer-web.com/products/thehartford.html

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