TriCare Standard (Non CS Insurance while overseas)

TRICARE Standard Overseas provides comprehensive coverage to active duty family members, retired service members and their families and all others who do not or cannot enroll in TRICARE Prime Overseas. TRICARE Extra is not available in overseas locations. Enrollment is not required, coverage is automatic as long as your information is current in the Defense Enrollment Eligibility Reporting System.

Plan Overview
When using TRICARE Standard Overseas, you'll receive care from host-nation providers. You may seek care at a military treatment facility on a space-available basis only. You do not need a referral for any type of care but some services may require prior authorization. You may have to pay the provider in full when you receive care and file a claim with TRICARE for reimbursement.

Some of the TRICARE Area Offices (TAO) have established preferred provider lists. You should use providers from these lists if they are available to you. Contact your TAO for more information. Note: In the Philippines, you must select a provider from the Philippines Certified Provider list.

TAO-Eurasia-Africa
TAO-Latin America & Canada
TAO-Pacific
Out-of-Pocket Costs
Costs vary depending on the sponsor's military status (active duty family members vs. retirees, their families and others). After you've met an annual deductible, you're responsible to pay a cost-share (or percentage). Here's a quick snapshot of TRICARE Standard Overseas costs for fiscal year 2009:

Beneficiary Category
Outpatient Cost Share
Inpatient Cost Share

Active duty family members
20% of the TRICARE Allowable Charge
Per diem charge ($25 minimum charge)

Retired service members and their families
25% of the TRICARE Allowable Charge
25% of billed charges for institutional services, plus 25% of covered costs for separately billed professional services


Download the Summary of Beneficiary Costs Flyer for more specific details. Click here to learn more about the TRICARE Allowable Charge.

Is TRICARE Standard Overseas Right for You?
TRICARE Standard Overseas may be your only option when you live overseas. If you're an active duty family member, you'll save money and have priority for care if you enroll in either TRICARE Prime Overseas or TRICARE Global Remote Overseas. Be sure to get command-sponsored so you have the option.