Tricare Supplement Insurance Plans

Tricare Supplement Insurance Plans  

Overview

TRICARE Supplement Insurance Plans

FRA offers MilicarePLUS TRICARE Supplement Insurance Plans to pair with TRICARE Select, TRICARE Prime, TRICARE Reserve Select and TRICARE Retired Reserve. It works hand-in-hand with your TRICARE coverage to help pay more of your covered medical bills and gives you protection for everything from hospital stays to doctor visits and prescription drugs.

 

TRICARE Select Supplement Insurance Plans (MilicarePLUS)

This protection is a true value for members and their families. Designed to supplement TRICARE Select, 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

  • The Basic Plan pays benefits 100% of the allowed amount TRICARE Select leaves you to pay after you pay the TRICARE Select 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

  • The Choice Plan pays your TRICARE Select copayment once you pay the TRICARE Select 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 Select allows also known as excess charges, the Choice Plan picks up 115% of these covered costs.
     

  • The MilicarePLUS 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. The Select Plan pays your covered medical bills if they are more than what TRICARE Select allows (excess charges.)

 

 

MilicarePLUS TRICARE Retiree Prime Insurance Supplement Plan

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 Plans

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 Reserve Select, 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 copays, cost-shares and excess charges once you pay the TRICARE Reserve Select deductible and MilicarePLUS deductible ($250 per person, $500 for families). 

 

MilicarePLUS TRICARE Retired Reserve Supplement Plans

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.

 

Choose between these two supplement plans to help cover the out-of-pocket costs for co-payments, cost-shares and excess charges.

  • The MilicarePLUS TRICARE Retired Reserve Supplement Plan - Basic Plan

    More than likely you need the MilicarePlus Basic Plan. The Basic Plan pays 100% of the allowed amount TRICARE leaves you to pay for medical charges. This occurs after you pay your TRICARE Retired Reserve and MilicarePlus deductibles.

  • The MilicarePLUS TRICARE Retired Reserve Supplement Plan - Choice Plan

    The MilicarePlus Choice Plan picks up your TRICARE expenses after you satisfy the TRICARE Deductible and MilicarePlus deductible ($250 per person; $500 for family). Then, if your covered medical bills are more than what TRICARE allows (also known as excess charges), the Choice Plan picks 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

 

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

 

Print a Free Information Packet

Coverage may vary and may not be available to residents of all states.


Select & Prime - TS


Reserve Select - TR


Retired Reserve - RR

 

Print Forms


TRICARE Supplement Claim Form


TRICARE Supplement Plan Change Form

 

HIPAA Privacy Notice


HIPAA Privacy Notice

 

Tell Me More

Why choose the FRA-endorsed TRICARE Supplement Insurance Plan (MilicarePLUS)?

Benefits Exclusively for Shipmates in Good Standing

  • Affordable group rates for your entire family
  • Pays cost-shares and co-pays
  • Pays excess charges (up to 15% above the TRICARE allowed amount). (This benefit is not included in the TRICARE Select Basic Plan Supplement.)
  • Guaranteed acceptance for FRA members under age 65 and their families. You're covered immediately for all new health conditions. Any current injuries or illnesses are subject to the Pre-Existing Conditions Limitation and are covered after 12 months.
  • Surviving dependents' benefit
  • 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.
  • Rates

    Monthly Rates*

    MilicarePLUS TRICARE Select Supplement Inpatient and Outpatient Plans
    Age Retired Basic Plan Retired Choice Plan Retired Select Plan
      Member Spouse Member Spouse Member Spouse
    Under 40 $25.52 $35.84 $33.62 $52.42 For All Ages
    40–49 $32.19 $45.19 $41.07 $66.12 $209.40 $222.12
    50–54 $37.34 $46.06 $52.50 $69.52    
    55–59 $47.20 $53.18 $66.94 $79.28    
    60–64 $60.41 $57.01 $84.33 $85.54    
      Each child $17.14 Each child $23.97 Each child $105.35
      Active Duty Basic Plan Active Duty Choice Plan Active Duty Select Plan
      Spouse $14.24 Spouse $17.14 Spouse $62.59
      Each Child $11.03 Each Child $13.21 Each Child $34.06

     

    MilicarePLUS TRICARE Prime Supplement Plan

    Retired Member
    Age Rates
    Under 40 $14.33
    40–44 $15.53
    45-49 $19.11
    50-54 $23.31
    55-59 $25.70
    60-64 $27.47
    65 & over $28.66
    Each Child $10.75

     

    MilicarePLUS TRICARE Reserve Select Supplement Plan

    Member Spouse Each Child
    $17.14 $17.14 $13.21

     

    MilicarePLUS TRICARE Retired Reserve Supplement Inpatient and Outpatient Plans

      Basic Plan Choice Plan
    Age Member Spouse Member Spouse
    Under 40 $25.52 $35.84 $33.62 $52.42
    40–49 $32.19 $45.19 $41.07 $66.12
    50–54 $37.34 $46.06 $52.50 $69.52
    55–59 $47.20 $53.18 $66.94 $79.28
    60–64** $60.41 $57.01 $84.33 $85.54
    Each Child $17.14   $23.97  

     

    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.

    **Renewal rates only.

    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 and not be on active duty. 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.

  • Additional Plan Details

    Skilled Nursing Facility

    Hospital means an institution which TRICARE recognizes as a hospital. Skilled Nursing Facility means an institution that operates pursuant to law; in addition to room and board accommodations, is primarily engaged in providing skilled nursing care under the supervision of a Physician; provides continuous 24 hour a day nursing service by or under the supervision of a registered graduate nurse (R.N.); and maintains a daily medical record of each patient. Skilled Nursing Facility does not mean a Hospital that does not include a place for the aged, or for rest, custodial or educational care; alcoholism and drug addiction; the treatment of Mental Illness.

     

    Pre-Existing Condition Limitation

    During the first 12 months of coverage, losses incurred for Pre-Existing Conditions are not covered. A Pre-existing Conditions means any Injury or Sickness for which medical care is received by the Covered Person within the 12 consecutive months prior to the date the Covered Person’s insurance starts or within the 12 consecutive months prior to the effective date of the Covered Person’s 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 60 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. The Policy limits coverage for: routine physical exams and immunizations, except when: rendered to a child up to 6 years from the child’s birth; or ordered by a Uniformed Service: routine physical exams and immunizations, except when: rendered to a child up to 6 years from the child’s birth; or ordered by a Uniformed Service: for a Covered Dependent of an Active Duty Member; for such Dependent’s travel out of the United States due to your assignment; or required for school enrollment (but not sports physicals) by a Covered Child aged 5 through 11 domiciliary or custodial care; care received in a retirement home, rest home or halfway house eye refractions and routine eye exams except when rendered to a child up to 6 years from the child’s birth; eyeglasses and contact lenses; prosthetic devices, except those covered by TRICARE; cosmetic procedures, except those resulting from Sickness or Injury, while a Covered Person; hearing aids; orthopedic footwear; care for the mentally or physically incapacitated if: the care is required because of the mental or physical incapacitation; or the care is received by an Active Duty Member’s child who is covered by the TRICARE Extended Care Health Option (ECHO); 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; any expense or portion thereof which is in excess of the Legal Limit; expenses in excess of the TRICARE Catastrophic Cap; that part of any Covered Expense which is in excess of the TRICARE Allowed Amount, except as otherwise stated in the plan benefits; expenses which are paid in full by TRICARE; any expense or portion thereof applied to the TRICARE Outpatient Deductible, except as otherwise stated in the plan benefits; treatment for the prevention or cure of alcoholism or drug addiction, except as specifically provided under TRICARE and The Policy; treatment by a Physician or confinement not necessary for medical care; nursing services, unless it is for the nurse’s full-time service while the Covered Person is an Inpatient in a Hospital; purchase of a wheel chair, hospital type bed, or other durable equipment, unless TRICARE determines that purchasing the equipment costs less than renting it; care received as part of a grant, study or a research program; care consider experimental or investigational; any part of a Covered Expense which the Covered Person is not legally obligated to pay because of payment by a TRICARE alternative program; any claim under more than one of the TRICARE Supplement Plans. If a claim is payable under more than one plan or benefit, payment will only be made under the provision that provides the highest coverage.

     

    Effective Date

    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 or Skilled Nursing Facility your coverage will be deferred until the first day after you are discharged.

     

    Termination

    Your coverage will end on the earliest of the following: the date The Policy terminates; the date You are no longer in a class eligible for coverage, or The Policy no longer covers Your class; the date the required premium is due but not paid, subject to the Individual Grace Period; the date You Request We terminate Your coverage; the date You cease to be covered under TRICARE; the date You return to Active Duty; the date You cease to be a Member of the Policyholder; the date You attain Age 65 unless You are not eligible for Medicare and can provide documentation of such from the Social Security Administration; the date You become eligible for Medicare (unless You reside in an area where Medicare is not available. Coverage will not terminate until You reside in an area where Medicare is available); unless continued under the Continuation Provisions. In addition to the events listed, if Your coverage was continued in accordance with the Widow or Widower’s Continuation provision, Your coverage will end on the Premium Due Date on or next following the date You remarry or enter or enter into a legal relationship recognized as a spouse.

     

    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 and not be on active duty. 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.

Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

 Address
Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-800-424-1120
 Hours
M-F 7:30a-5p CT
 Email
fra.service@mercer.com

 Insurance Company Address

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company, Hartford, CT 06155.

FAQS

Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • TRICARE Select includes an annual deductible. Does MilicarePLUS pay it?

    No, you pay the TRICARE Select deductible.
  • Will Pre-Existing Conditions by waived if I no longer have employer health insurance?

    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.
  • Will I need a physical to request coverage?

    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.
  • I'm currently on active duty assignment. What happens when I retire?

    When you retire, if you enroll within 60 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.
  • Can I enroll my family?

    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).

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 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.

 

Policies are underwritten by Hartford Life and Accident Insurance Company, Home Office Hartford, CT 01655.

 

AGP-5895, AGP-5896 in NY

TRICARE Form Series includes GBD-3000, GBD-3100, or state equivalent.

92964

Mercer Role & Compensation

Details of Mercer disclosure of the compensation.