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.*
 

• MilicarePLUS TRICARE SELECT Supplement - Basic Plan (Retired and Active Duty Plans)

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). It's your best bet if your doctor accepts the TRICARE assignment.
 

• MilicarePLUS TRICARE SELECT Supplement - Choice Plan (Retired and Active Duty Plans)

The Choice Plan pays your TRICARE Select copayment once you pay the TRICARE Select deductible and MilicarePLUS deductible ($250 per person, $500 for families). 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.
 

• MilicarePLUS TRICARE SELECT Supplement - Select Plan (Retired and Active Duty Plans)

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 PRIME Supplement (Retired Plan - no deductible)

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 TRICARE Retired Reserve 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 Retired Reserve supplement plans to help cover the out-of-pocket costs for co-payments, cost-shares and excess charges.

• MilicarePLUS TRICARE Retired Reserve Supplement Plan - Basic Plan

  The Basic Plan pays basic benefits...100% of the allowed amount TRICARE Retired Reserve leaves you to pay after you pay the TRICARE deductible and MilicarePLUS deductible ($300 per person; $600 for family). It's your best bet if your doctor accepts the TRICARE assignment.



• 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.

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 Basic Plan Supplements.)
• 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.

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.

92964-0524