TRICARE stands out as a health insurance company because it provides military service members and their families with great health insurance options to meet the specific needs of the military.

TRICARE has additional benefit programs that provide assistance when transitioning from TRICARE insurance to civilian health insurance. Some of these programs help with travel expenses for medical care, autism care costs, and cancer clinical trial expenses.

TRICARE also provides Medicare insurance to eligible individuals that offers coverage throughout the world.

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The Good

Positive Reviews
Plan Options Designed for Military Needs
Special Additional Programs

Positive Reviews

Although TRICARE does not have many reviews on BestCompany.com, most of its reviews are positive.

Reviewers appreciate how well TRICARE integrates with Medicare, the coverage offered, and affordable pricing.

Customer Review: Lacey Horne from Salt Lake City, Utah

"One of the main reasons my husband got back into the military. Amazing coverage, great customer service and helpful website! Many doctors to choose from, quick bill processing!"

Plan Options Designed for Military Needs

TRICARE offers 11 kinds of health insurance plans to meet the needs of military service members and their families:

TRICARE Prime
TRICARE Prime Remote
TRICARE Prime Overseas
TRICARE Prime Remote Overseas
TRICARE Select
TRICARE Select Overseas
TRICARE for Life
TRICARE Reserve Select
TRICARE Retired Reserve
TRICARE Young Adult
U.S. Family Health Plan

With all four of the TRICARE Prime plans, members work with a Primary Care Manager (PCM) who coordinates their care. A Primary Care Manager has a similar function to a Primary Care Physician, which is a term used more commonly on other health insurance plans.

The cost specifics vary plan to plan. Most of the TRICARE Prime plans do not have premiums, annual enrollment fees, copays, or out-of-pocket costs for active duty or command sponsored military members as long as the care is from the member’s PCM or from a specialist referred by the PCM. Some of these same features apply to their family members depending on the eligibility rules of the specific plan.

With the two TRICARE Select plans there is an annual deductible and cost sharing for medical care received.

The TRICARE Select Overseas plan does not require referrals to specialists from a PCM. However, prior authorization is required for some kinds of medical care.

The TRICARE Reserve Select plan is designed for members of the Selected Reserves. It has premiums and an annual deductible. It is connected to a network of doctors. Using this network gives plan members access to larger discounts and coverage than visiting out-of-network doctors.

The TRICARE Retired Reserve Plan is similar to the TRICARE Reserve Select plan, but is intended for retired Reserve members under age 60 and their families.

TRICARE also offers Medicare parts A and B to TRICARE-eligible beneficiaries through its TRICARE For Life plan. Those enrolled pay monthly premiums and have medical coverage in the United States and abroad.

For unmarried children ages 21-26 of eligible sponsors, the TRICARE Young Adult plan offers medical insurance coverage if children are not eligible for any other kind of health insurance.

There are two options with the TRICARE Young Adult plan: Prime and Select. The Prime options works like the TRICARE Prime plans. The Select option works like the TRICARE Select plans.

The U.S. Family Health plan has no enrollment fees or out-of-pocket costs for care received from a U.S. Family Health Plan provider. This plan can be combined with Medicare coverage if individuals were enrolled in the U.S. Family Health plan before October 1, 2012.

Special Additional Programs

TRICARE offers the following additional programs to benefit its members:

Autism Care Demonstration: provides coverage for applied behavior analysis
Cancer Clinical Trials: provides coverage for eligibility screening tests and participation costs
Chiropractic Health Care Program: covers chiropractic care from some military hospitals and clinics
Combat-Related Special Compensation Travel Benefit: reimburses travel expenses for injury-related care for travel of more than 100 miles
Computer/Electronic Accommodations Program: provides technology assistance to qualifying Federal employees and managers to ensure that jobs are accessible to people with disabilities or injuries
Continued Health Care Benefit Program: provides health care coverage for 18-36 months after losing TRICARE eligibility
Extended Care Health Option: extends health care coverage for military family members who are transitioning out of TRICARE and are in the Exceptional Family Member Program (EFMP)
Provisional Coverage Program: provides coverage for emergency services and supplies with prior authorization
Transitional Assistance Management Program: provides 180 days of premium-free transitional health care benefits after TRICARE benefits end
TRICARE Plus: offers additional coverage for primary care services at military hospitals and clinics
Women, Infants, and Children Overseas Program: provides support to qualifying military families for living healthy lives. A WIC counselor determines eligibility and works with families on nutrition. The program also helps with health screenings.

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The Bad

Minimal Customer Insight
Negative Reviews
Eligibility Rules
Exclusions

Minimal Customer Insight

TRICARE has not received many customer reviews on Best Company. Although no conclusions can be drawn regarding the general customer experience, it's promising that most TRICARE reviews are positive.

Negative Reviews

While most of TRICARE's reviews are positive, Best Company has also received some negative reviews.

Complaints center on issues with pre-authorization and coverage denial. Understand what your TRICARE plan covers before you enroll so you know whether or not it will meet your needs.

Eligibility Rules

TRICARE only offers health insurance to individuals who are registered in the Defense Enrollment Eligibility Reporting System, including the following:

Uniformed Service members and their families
National Guard members and their families
National Reserve members and their families
Survivors
Former spouses
Medal of Honor recipients and their families

Because each of TRICARE’s health insurance plans are designed with specific groups in mind, each plan has its own eligibility requirements. Details about plan-specific requirements can be viewed easily from TRICARE’s website.

Exclusions

TRICARE health insurance also has some exclusions. These exclusions can be viewed on TRICARE’s website.

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The Bottom Line

While TRICARE has some exclusions and specific eligibility requirements, its health insurance plans are excellent choices for those serving as part of the U.S. military and their families.

TRICARE’s plans are designed with specific military needs in mind, like being stationed overseas.

TRICARE also offers additional programs that help military families lead healthy lives, provide access to new cancer treatments, and transition from TRICARE health insurance.

Although more customer insight is necessary, TRICARE is worth considering if you meet its eligibility requirements.

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User Reviews

Star Rating

2.2

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55 Reviews

Review Breakdown

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20%

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1 grade

64%

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Donna

My husband was in the PA national guard 21 yrs. We’ve had no issue with TriCare 4 life. We do have major issues with Express Scripts. The only other choice is our local pharmacy which is expensive. Express Scripts takes an average of 2 weeks to send our meds. My husband gets a 90 day supply of a certain drug at $12. I got the same drug but a lower dosage for 30 days and it still cost $12. I called to complain and was told TriCare sets the limits on prices. I get this excuse a lot when I call Express Scripts about issues. Please, please, please get rid of Express Scripts. There has to be better companies out there for prescriptions.

1 year ago

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Gunner Berg Rapid City, SD

Tricare is the best health insurance around. Sure, alot of the time I have to go on base, but I mean... If I ask to go off base they don't care. Their customer services is also second to none. Some health facility tried to charge me $8... and I am stubborn. I called and they said tricare didn't cover it. I called Tricare, they did cover it. So Tricare sent them a threatening letter. Pretty awesome.

1 year ago

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shruti kansakar

Extremely bad customer service. When I was being sent CC, I confirmed monthly charges would still get posted. My CC changed and I never received any communications regarding payment. I was travelling for 2 months and when I realized and contacted them. The customer rep was EXTREMELY RUDE was trying to start a screaming match. I simply asked normal questions why I don't see charges and how was I supposed to know if CC was not charged, as I didn't' receive any communication. FUNNY thing is I receive all the ads and nonsense emails that they send EXCEPT the one I REALLY needed. Couldn't renew. The REP was screaming at me, while I was trying to get answers. I had to hang up on her.

7 months ago

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Nicky

It's almost impossible to get the series from a Doctor. It seems like only Nurse practitioners are the ones under Tricare's care or willing to accept it. Pretty much all of them are rated around two stars. Not good healthcare providers are accepting this insurance. I have to have only military personnel as Primary care providers; however, only one NP is available, and she cannot even correct my records due to her incompetence. I was injected with medication I am allergic to. Even after the accident, she still did not correct it, even when I specifically made an appointment for this matter and spelled the name of the medication I was allergic to. In Colorado Springs, gynecologists on military installations are unavailable for civilians, and there is only one place with a rate of two stars. I have to wait a month and a half to see my provider and, after that, do not receive the help I need. Tricare does not cover glasses or some needed tests for eyes.

8 months ago

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Ruth Mcpherson Clarksville, TN

All my medical bills goes thru Medicare and Tricare for Life. Almost 2 yrs ago I was admitted to medical center and spent 5 days, th en went to Nursinh/Rehab and spent 2 wweks and all the bills were pd for between the 2 companies.

4 years ago

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BNJ

I appreciate Tricare for the quickness of getting our family taken care of! I like everything about Tricare. The only issue that I think that they could improve on is taking care of meeting the deductible better and keep us in formed about our Catastrophic Cap.

6 years ago

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Charles Whitbeck

Their communications are TERRIBLE! They cancel our insurance for my card being expired. Ok, that's on me. However when I spoke with the first rep, she stated there was no email, phone or address on file. I've been in their system for 12yrs without issue until this point. I call back the following day/diffrent Rep who stated notification had been sent to my military email that has been deactivated and definitely updated since retirement 12yrs prior. I requested an exception and reinstated. I was informed I would receive a reply in 10 days. Here we are 20 days later. I call and ask if a decision has been made. It was... back on Dec 28TH. Today is Jan 16th. I was told notification would have been posted to the portal or I would need to call in to get the response. It's apparent that client notifications are NOT a thing as it appears to be the common denominator. I submitted a congressional inquiry. Hopefully something comes of this. Because we're without insurance until open enrollment in Nov 2025. Very disappointing how Humana treats Military Veterans!

11 months ago

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Gina Chino Valley, AZ

I'm giving it three stars because overall Tricare has been good to me. I've never had issues getting care or procedures paid for. I have Tricare Select retired. However, finding doctor's that accept Tricare is a pain the butt, especially if you do not live near a military installation. Where I live we have a VA, so you would think there would be more providers available, but that's not the case. I have to drive 1.5-2 hours if I have something major or I need surgery. I think Tricare and the VA should do better to get more doctors on board!

1 year ago

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Johnny Hasselquist Panama City, 8

TRICARE is a company that is contracted through the government to provide insurance coverage for American military service members, retirees, and eligible family members. Beneficiaries still pay have to pay insurance fees and will have to submit claims through the TRICARE website if the doctor is not doing it for them. TRICARE will try its best to force a beneficiary to use a military facility. While in Europe, I was forced regularly to use a military facility even if that meant to drive for hours to get there. All in an effort to avoid paying anything to the near civilian facility. Even if you are allowed to use a civilian facility, TRICARE will delay payment to the point, where civilian facilities required a down payment ahead of time. In Germany, if you wanted to go to a hospital, the hospital required a 1000 Euro security deposit, which they paid you back after TRICARE paid the bill. I was haunted by doctors, because TRICARE refused to pay for services. Currently I am enrolled in TRICARE Overseas as a retiree, and it deliberately will pay only part, none at all, or apply the fee to the catastrophic cap of the bill. The beneficiary will have to go after TRICARE to request an explanation for this since the EOB (Explanation of Benefits) usually does not contain that information. Recently TRICARE denied payment for some doctor visits and medication. Flat-out denied it. After calling them, they claimed that the reason this was denied because there was no address for the doctor. Keep in mind that TRICARE claim forms do not require that information. Even though the information was right there on each individual bill that was uploaded with the claim. They claimed they send me a letter about this, but did not state that on the EOB. One payment they refused, was for a biopsy of a breast mass, for my wife, who is at risk for breast cancer. This is documented. TRICARE denied payment because they wanted an explanation, even though, again, the explanation and findings were attached to the claim. Every time a denial happens TRICARE wants a written letter that needs to be sent by mail. If you follow up by phone, they claim that they have not received it. This allows for plausible deniability on their part, and as the beneficiary, you have no recourse but to send it again or just let it go. Now comes payment. We have bank information posted on our account. In almost 2 years we have not received a single payment. After emailing and calling them, they told us that they send out a check. We have never received a single check since we live overseas. We called them and explained the situation. They stated that they would cancel all checks and move the money into the posted bank account. This was 8 months ago, and we have yet to receive a single payment. However last week I messaged again about non-payment, and again they stated they mailed a check. TRICARE is an insurance company and as such, I do not believe they work in the best interest of beneficiaries. They will do their best to make the process as complicated as possible if there is an issue. Any complaints that are made usually get lost in the shuffle or get a token response. They are so far for my family never adequately addressed.

1 year ago

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KayCee Belka Derby, KS

Generally, we have had good experience with Tricare. We typically don't have issues with being able to find in network providers or having our insurance paid out. They are usually timely in their processing and taking care of payments. Unfortunately, we have had a couple of occasions when things have been miscommunicated and have had to jump through hoops for Tricare to pay their portion. Overall, we have had a good experience though.

5 years ago

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Michael Hoffman

Was injured in a way that immediate, 24 hour care was recommended by their own advice line. My on-post clinic was not taking walk ins or sick call at the time, and I had to be at an orthopedic exam for surgical follow up the next day. Because I was unable to attend possible appointments at my on post provider the next day, tricare told me I'd have to pay urgent care costs out of pocket, good luck, and good bye. Not dissimilar to a previous injury I received in May that required stitches, and for which tricare told me to suck it up and they could get me an appointment for stitches in 3-4 days. Took about an hour of back and forth (while bleeding), with two different people, to explain that I was still actively and uncontrollably bleeding and that stitches in half a week was not a medically sound option. As it seems with all things army, they go for the cheapest possible things they can get servicemen rather than any sort of quality.

1 year ago

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John Hughes Bloomfield, CT

The price of Tricare for my family of five is 5-star, but the hassle of constantly having to call them and then call my provider to get the prescription covered or my kids appointments covered is a never-ending battle. Bills are constantly being mailed with "not eligible for coverage", we each have three different numbers (SSN, dod id, and benefits number) and each provider seems to take a different number for each of us. Pharmacies never know how to work with Tricare because of their systems.

1 year ago

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Kelsey Klein Crestview, FL

My doctor prescribed me a medication and I was informed that I have to have a pre authorization for the medication. Tricare continuously denied the medication because they wanted me to try a cheaper medication first and say that I had an adverse effect to that medication before they would authorize the other medication. They told me to submit and appeal with the doctor writing the reason they wanted me on that specific medication instead of the one tricare prefers but pretty much said on the call that it really doesn’t matter what my doctor says, that the medication would not be approved until I have tried the other medication and had a reaction to it. I cannot believe they are trying to force me to use a medication that will not help and are continuing to stall any attempts my doctors and I are taking to better my health. This is the worst insurance I have ever dealt with. Tricare, do better.

1 year ago

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Robert Wold

I tried to contact my daughters PCM to schedule a mandatory physical before she starts school next month. That doctor has a full schedule for the next two months so I found an alternate that accepts tricare. After contacting that office and setting up the appointment I was informed that I should contact tricare to confirm as they have had issues in the past with conflicting zip codes. Sophia, the representative I spoke with insisted that I could not get this type of appointment covered and that I needed to take her to an urgent care, get the physical done and have it billed as an office visit, or something to that effect. I asked to speak with someone who would not advise me to commit insurance fraud and I was passed on to a very rude woman who is supposed to contact me after the appointment but I do not have high hopes. Yeah, I get it we don't pay nearly as much for this as people with other plans but if they could put forth any less effort I would be amazed.

1 year ago

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Susan Solomon Plymouth, MA

As a provider, I won't take any new Tricare clients. Tricare denies claims for incorrect reasons and I, my client and my biller have repeatedly wasted time on the phone getting the incorrect claims corrected. Worse, the reps I've talked with openly acknowledged that other reps blatantly ignore the parameters of the client's policy when denying the benefits because, apparently, some Tricare reps "think it is up to their discretion." When I pointed out that an insurance policy with specific benefits and coverage is not up for debate or discretion, the reps completely agree, but that there is nothing they can do and I'll just have to keep calling back to get claims corrected. Too little accountability on Tricare's end and too much wasted time on mine = no more Tricare clients, unfortunately.

1 year ago

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Hastral Yuma, AZ

Since this website is in the pocket of the insurance companies here is my revised review. Tricare are not borderline fascists on of the treat families with autism. Tricare will go out of their way to cancel your services without any warning and constantly make up new "ideas" to limit services that is in the best interests of the patients. Furthermore, any type of "Services” Tricare offers are locked behind nonsensical and unclear paperwork which is intuitive for consumer. If you are lucky to get an autism services representative for your child, they will disappear and inform you of nothing as it allows the patient to fend for themselves furthering self-reliance on a totally not discriminatory and flawed system. Tricare straight up bullied my sons ABA company until he was dropped as a client. Saving the glorious late stage capitalists in health care a few extra dollars. Tricare also hires people who have no idea what autism is, which is good since now they can claim proper disingenuous actions and methods. I confronted Tricare over the phone about their amazing transparency on their standard operating procedures and dropping my sons services without warning and was told "We make sure he still has autism" as we all know Autism is a spectrum and big health care businesses and insurance companies know what’s best. In conclusion Tricare's practices are not discriminatory methods of exclusion and hate against families with autism which is not disgusting and cowardly, glory to Tricare.

1 year ago Edited April 5, 2023

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Angee Fredericksburg, VA

Tricare should look for ways to help veterans more than just more paperwork. If someone has let's say knee surgery, the last thing they need is paperwork to justify physical therapy. Some things should be obvious to them if they are taking care of their clients who happen to be veterans. Something's should be automatic not a referral for everything. Maybe it doesn't dawn on them that people are hurting and making things more difficult isn't the way to assist veterans. This is a revised review because my first one had too much truth in it. Anyway maybe they'll post this one. If not there's always the Better Business Bureau. Processes should be getting better not worse. I've been retired for a while. USMC retired 15yrs.

1 year ago Edited April 3, 2023

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Wisal Ibraheem Norfolk, VA

If I could give Tricare a negative rating I would. I recently got married and left my old insurance plan to be with my husbands. Let me tell you, I regret even moving to this state because of how bad that health insurance is. I’m surprised it had a 2 star rating. I was expecting to find this page and see at most a 1 star rating. They don’t care about their patients. AT ALL. The first doctor I ever went to while using Tricare prime made me cry! Sure not all of the doctors were as bad as her and that nurse on my first visit but most of them are as bad as that. I’ve probably had 1-2 good doctors visits out of the 30+ I’ve been to. Also Tricare placed me at a hospital that’s almost an hour away from my house ! And every time I try to call them to try and change my primary care doctor to a closer location, they never pick up! Don’t get me started the communication between doctors and offices IN THE SAME BUILDING is none existent ! I recently called the nurse advice line because I’m in excruciating pain, I couldn’t move to get my spouse ID because I leave it in the car, I haven’t memorized my husbands SSN because we’re newly married and I couldn’t call him to ask for it because he’s in deployment. I have the person on the phone ALL of my information and she could tell I was in pain. She kept saying “I know you’re in pain but this will be fast. “ when it came time for me to give them his SSN or my Dod I told her im in way too much paid to get out of bed walk down the stairs go outside and get it and she simply said we’ll gather yourself and call back once you have it. …… that was pure inhumane. TRICARE DO BETTER !

2 years ago

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Jim Zeth Carl Junction, MO

I retired from the US Air Force in 1998 after 20 years of service. I was in during a time when veterans were covered by CHAMPUS. The couple of times I used it was simple and hassle free. Then the switch to Tricare. At first it wasn't bad, living in the east, coverage by Humana, we received some pretty good care. Now, living in Missouri, a little bit older, coverage by Tricare West is the pits. My doctor prescribed a series of x-rays as a preventive measure - DENIED. I end up paying out of pocket. Nine months later, after a bout with Covid, the doctor requests a chest x-ray, PAID by Tricare West. What The ____! TW gives me the runaround, how the preventive was out of network. BULL! Same hospital, same doctor, all the same players. If I had the means, I wouldn't trust Tricare West to take care of anything about me or my dog.

2 years ago

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Crist Holveck Groton, CT

21 year retired Navy/USCG. Went to VA to get a skin condition looked at (psorias). VA dermatologist prescribed a medication, and the pharmacy would not issue it. My wife is still active duty, so I went thru the hassle of finding a new PCM to use our TriCare Prime. New Dr. prescribed a medication and TriCare would not pay for it. I've been serving my country for decades and virtually never used a single medical perk, with the exception of annual medical and dental check ups, and TriCare won't spring for a medication that will allow me to walk without the skin on my knees from bleeding, or comb my hair without ripping a hole in my scalp? TriCare and VA both SUCK!

2 years ago

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Amanda Matthews

Fraudulent fraudulent fraudulent!! You’re better off anywhere else!!! I received misleading information from multiple employees regarding reimbursement from a provider that was out of network, but “in their system.” Said I would have a $300 deductible, then insurance would kick in for up to 50% of the allowed amount for reimbursement after the claim was filed. After months of being on the phone with them, including having to wait thirty days for an address update in their system??, I am still awaiting a $70 reimbursement check for $1410 paid out of pocket. 6.3% after my “deductible.” I was jerked around by this incompetent company, and never given any helpful information to help me with my claim. At best, they’re negligent, and at worst, fraudulent. The latter is more plausible; misinforming customers of TriCare’s policies and procedures so they are left with the bill is unacceptable. Please investigate this company’s practices!

2 years ago Edited March 29, 2022

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EL CHOPPER Port Saint Lucie, FL

The bureaucracy of Tricare is beyond anything is Government. The doctor prescribed medication, but they want a pre-authorization. I was informed that pre-authorization is a way for Tricare to no authorized the drug due to cost. Their doctors will review the authorization and will try to prescribe a cheaper medication regardless of effectiveness. I can't wait to go into medicare. I am a person with diabetes and was prescribed Ozempic, but that needs pre-authorization. The Endrocronoligist prescribed FreeStyleLibre2 to enable me to better monitor the glucose levels in my body, and this is not authorized due to cost. This is insane!

3 years ago

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Douglas Scalf Aurora, CO

The worst health care ever...if you have no insurance, you can get drugs free or for copay 30.00 or less...if your retired and your doctor orders you the same drug...it is denied and if you still want to pay for it...1200.00 to 1500.00 for the same drug...seems to me having no insurance is better then having Tricare...for cost...and I am retired military. My wife needs a drug because of severe diarrhea, cant leave the house has to be by the toilet...Dr. states this drug Viberzi will fix it....Tricare declined...cost out of pocket 1200.00 to 1500.00 unless you have no insurance...then its free or less then 30.00....Dexilant, my wife was on it for 10 years, been getting it for 12,00 copay...this year...1200.00 no copay allowed...unless of course...you have no insurance and then they will give it to you for free....so if you sit on you butt and do nothing you can get cheap meds anyplace...but if you busted your tail for 21 years and your spouse needs the same med...1200.00 to 1500.00 dollars....you tell me is this fair?

4 years ago

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Lacey Horne Salt Lake City, UT

One of the main reasons my husband got back into the military. Amazing coverage, great customer service and helpful website! Many doctors to choose from, quick bill processing!

4 years ago

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Corbett Douglas Cedar Fort, UT

Being in the military has this benefit. However it is getting worse. Pre authorizations are sometimes difficult. However they have, in the end covered everything, but mental health, which is sad because they say they care about our mental health.

4 years ago

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Jay M Kay Caro, MI

Tricare was fine until we fell under the east (Humana). They don’t have available providers in our area and kept changing our plan without permission. We were Active Duty Army and we have never been stuck with so many bills and bureaucracy. Tricare’s actions have help with my decision to never use them again in retirement and to make sure nobody else does either. There are better companies out there.

1 year ago

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carl lepar

Tricare west and express scripts is the worst thing to ever happen to the military, I have been trying to get a rx filled for 6 mo now and no success. I have to call the Dr, then express scripts, the tricare to get three different answers. Express scripts will approve the rx, then days later tricare denies it for some b.s formulary reason, and start the process all over. The worst system in the world and is now getting in the way of my treatment.

1 year ago

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Brown1993

Hard to find a doctor that will take tricare. Impossible to find a dentist that will. Estimates from multiple different doctors offices for how much tricare should cover is always more than they actually pay, in one instance it was estimated that tricare would cover 100% only to learn they wouldn't cover any of it. Winni g the lottery is easier than finding a children's dentist that takes tricare.

1 year ago

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JUAN VALLE Palmdale, CA

Tricare Select for retirees is constantly raising costs to push people out and force them to sign up for Tricare Prime. They claim the basis of the increase is the annual cost of living adjustment for retired military pay. They have doubled the family policy fees.

2 years ago

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Dead Coins Kansas City, MO

Tricare is only good if you don't need any actual medical attention. No good doctors or dentist can afford to take Tricare Insurance. Most doctors who take Tricare insurance are in the inner city's and slightly better than urgent cares. For dentists if you are looking for anything bigger than a cleaning and a checkup you will be paying big money out of pocket. Tricare Insurance does not pay the dentists any money. Tricare Insurance 12 years ago not bad. Tricare Insurance today is a massive scam. We can do better for the men and women who have raised their hands and took that oath.

2 years ago

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Susan DeBow Egg Harbor, NJ

WARNING...you are not always automatically enrolled in Tricare for Life once you join Medicare as the Tricare website mentions. I actually believed this only to find out it is not true. Once I contacted Tricare for Life, the operator said she would put me on the list for the next system update which will happen in about SIX weeks. All Medicare claims would need to be resubmitted to Tricare. My advice...Make sure TRICARE is set-up as a crossover insurance to Medicare by calling TRICARE to verify.

3 years ago

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Joy Addison Houston, TX

AWFUL COMPANY!!! Do not waste your time or money!!! They will do whatever they can NOT to pay claims, but make CERTAIN to bill you monthly. They randomly stopped paying my claims and claimed it was because the doctors office needed to re-recertify. The office sent the proper paperwork and magically, 6 months later Tricare still can’t provide an update. I plan on escalating my issues to the highest point possible and I hope this company is investigated for fraud.

3 years ago

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Lorraine v

At the time I was in the starting a divorce my x illegally took me off tricare health insurance by the time he was forced to put me back on it had been way past when I needed a mammogram my x knew I was supposed to have that yearly and on purpose took me off. Anyway tri care does not help military spouses they only cover for the military member even though they should help out the spouse. Any other health insurance company would help the spouse military or not and that is the difference which should never be .

3 years ago

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GREGORY BOTTOMS Elgin, TX

Supplemental plan for military retirees. Integrates well with Medicare. Easy web access. Covers Rx and majority of expenses.

4 years ago

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Elizabeth Havana, FL

Tricare has been extremely helpful when it comes to my health care. There are many services that are covered by Tricare and most of my medications are 90% covered.

2 years ago

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Logan Hudson Norcross, GA

I have been a member of Tricare Health Insurance for my entire life, I have always been able to find places that accept the insurance and the customer service has been great when I need it.

4 years ago

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Mhorne182 Eagle Mountain, UT

Tricare is a fantastic healthcare plan. Being in the reserves, the plans are affordable and the coverage is good. MUCH better than any employer plan I have ever been on.

4 years ago

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Matthew Spiess Missoula, MT

Will not cover my newborns medical bill because enrollment was 1 day over their policy due to the difficultly of obtaining the necessary birth records and visiting a DEERS station in rural Montana. CSR's claim nothing can be done and there isn't a supervisor to speak to. Thanks for nothing!

1 year ago

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Cassidy Rector Kansas City, MO

I would give ZERO stars if I could. I've never seen an insurance so IMPOSSIBLE to obtain. And $250 a month for 2 people? Absurd. So much for taking care of your soldiers. PRISONERS in a maximum security prison are taken care of better. Smh.

1 year ago

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De Anna Lee

Tricare changed my PCM without notification and has refused to pay out any expenses. I get one excuse after another, never the same story, in my weekly phone call to them. No biggie, just a potentially deadly issue, #SMlivesdon'tmatter

1 year ago

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Danielle Steckler Hawley, MN

Tricare is by far one of the most crooked insurance companies available. I have been with Tricare remote west under my still active soldier husband for 13 years and have had nothing but issues with in/out of network providers, ongoing claims that never get resolved, wrong coding’s, and horrible customer service.

1 year ago

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Crystal B. Dallas, TX

I've only ever had good experiences with Tricare. All of my encounters with customer service reps, have been helpful.

1 year ago

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MANDY EARLEY Clayton, NY

I have had negative experiences with their referrals department. They have repeatedly lost my referrals for cancer care in spite of the fact that I call them to check the status of them. My experience with them has been a nightmare. If you can acquire health insurance elsewhere, I strongly encourage you to.

1 year ago

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Jessica Woodward Bloomfield, CT

WORST insurance ever! If you have mental health issues you're better off figuring it out yourself vs. going to a hospital or you're jumping through a million hoops to get the bill covered! Ridiculous.. way to support your military and their families!

1 year ago

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Shane Jacobson Wilsonville, AL

Been trying to get a PCM for about 7 months now but no one is accepting new patients, went to the emergency room this morning and they issued a consult but Tricare will not accept any consult that is not from a PCM. Have no clue what to due, I am in so much pain. Thank you for nothing

2 years ago

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J.J. Garcia Austin, TX

Tricare seems to be managed by incompetent bureaucrats. I literally got my former spouse ID activated, verified eligibility, and dumb Tricare says I'm active in their system, but they can't verify which plan. Completely moronic.

3 years ago

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Janice Genes Hurricane, UT

It sure is getting a little better since the president is trying to make it affordable . Been in the military for 22 years and this is what we had to use. It’s better than getting service on the base.

4 years ago

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Hiram Martinez

Worst insurance ever , been dealing for a medication since Feb and is May always an excuse 2 appeals mor infor mor doc and still waiting worst insurance ever about t cancel it

1 year ago

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Marie Ingenere Alexandria, VA

Very crap insurrance. I can't get any medical care other than emergency suposedly because all the PCM are fully booked and they won't even let me transfer

1 year ago

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graystillplays reaction Detroit, MI

If you like waiting for healthcare, the runaround, dropping of the ball, incompetence, and complete uncaring of your healthcare needs…this is the insurance for you.

2 years ago