How To Get TRICARE Overseas: Enrollment & Costs 2026 | TRICARE.com

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## Quick answer To get TRICARE coverage overseas, you must be registered in DEERS with a valid international address and, in most cases, enroll in **TRICARE Select Overseas** or **TRICARE Prime Overseas**. Active duty service members and their command-sponsored family members generally qualify for Prime, while retirees and non-command-sponsored families typically use Select.

Details

Living overseas (outside the 50 United States and District of Columbia) requires navigating the **TRICARE Overseas Program (TOP)**. The regional contractor for all areas outside the U.S. is **International SOS**.

### 1. Update DEERS First Coverage cannot begin until your address is updated in the Defense Enrollment Eligibility Reporting System (DEERS). If you are moving from the U.S. to an overseas location, this is the legal trigger for a "Qualifying Life Event" (QLE), allowing you to change your enrollment outside of the annual Open Season.

### 2. Choose Your Plan * **TRICARE Prime Overseas:** Available to Active Duty Service Members (ADSMs) and their command-sponsored dependents. This plan has $0 out-of-pocket costs for authorized care but requires you to receive care at a Military Medical Treatment Facility (MTF) or through a designated network provider assigned by International SOS. * **TRICARE Select Overseas:** Available to retirees, their families, and non-command-sponsored active duty family members. This plan offers more flexibility to choose your own provider but involves annual deductibles and cost-shares. * **TRICARE For Life (TFL):** If you are dual-eligible for Medicare and TRICARE and live overseas, TFL acts as your primary insurance (since Medicare does not pay for care outside the U.S.). You must continue to pay your Medicare Part B premiums to stay eligible.

### 3. Enrollment Steps You have 90 days from the date of your move (the QLE) to enroll. You can: * Use the **Beneficiary Web Enrollment (BWE)** portal via milConnect. * Call your regional **TOP Regional Center** (Eurasia-Africa, Latin America/Canada, or Pacific). * Visit a TRICARE Service Center (TSC) if your beneficiary category allows.

### 4. Costs and Premiums (2026 Rates) Costs vary based on your "Group" (determined by when you or your sponsor joined the military). * **Active Duty:** $0 enrollment fees. * **Retirees (Group A):** For 2026, TRICARE Select Overseas enrollment fees and deductibles apply. If you are in Group A, your individual deductible for Select Overseas is typically $150, and the family deductible is $300, though these figures are subject to annual adjustments—verify current 2026 specifics at TRICARE.mil. * **Proof of Payment:** Unlike the U.S., many overseas providers require **payment upfront**. You must then file a claim with International SOS for reimbursement.

## Who this affects * **Active Duty Service Members:** Required to enroll in Prime Overseas. * **Active Duty Family Members:** Eligible for Prime (if command-sponsored) or Select. * **Retirees and Family:** Eligible for Select Overseas or TRICARE For Life. * **Guard/Reserve:** Eligible for TRICARE Reserve Select (TRS) while living overseas. * **Survivors:** Eligible for benefits based on the sponsor's status at the time of death.

## Sources * **TRICARE.mil (Overseas Program):** https://www.tricare.mil/overseas * **International SOS (TOP Contractor):** https://www.tricare-overseas.com/ * **Defense Manpower Data Center (DEERS):** https://idco.dmdc.osd.mil/idco/ * **TRICARE Cost Matrix:** https://www.tricare.mil/costs/