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
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
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.