TRICARE OCONUS Dental: Coverage Overseas Guide | TRICARE.com

*TRICARE.com is an independent reference site and is not the official TRICARE program. For the most current policy and enrollment information, visit TRICARE.mil.*

## Quick answer Outside the Continental United States (OCONUS), your dental coverage depends on your status. Active duty service members (ADSMs) receive care primarily at military dental clinics, while family members and National Guard/Reserve members are generally covered under the TRICARE Dental Program (TDP) administered by United Concordia.

Details

### Active Duty Service Members (ADSMs) If you are stationed OCONUS, you are required to seek care at an **Overseas Military Dental Clinic** first. This care is provided at no cost. If a military clinic is unavailable or you are in a remote OCONUS location, you must receive a referral/authorization from the Dental Overseas Area (DOA) coordinator to see a civilian dentist. This is managed through the TRICARE Active Duty Dental Program (ADDP).

### TRICARE Dental Program (TDP) for Families and Reservists For active duty family members (ADFMs), Selected Reserve, and Individual Ready Reserve (IRR) members, OCONUS coverage is provided by **United Concordia**.

* **Service Areas:** Coverage is split into "Federated States" (U.S. Territories like Guam and Puerto Rico) and "Non-Federated" areas (foreign countries). * **Cost Shares (2026 rates):** In OCONUS locations, the TDP typically pays 100% for diagnostic, preventive, and emergency services. For more complex procedures like root canals or crowns, the cost-share varies (often 50% to 80% coverage depending on the rank of the sponsor). * **Command Sponsorship:** It is critical that family members are **Command Sponsored** to receive the lower OCONUS cost-share benefits. If a family member is not command-sponsored, they may face higher out-of-pocket costs or be restricted to "space-available" care at military clinics.

### Retirees and Their Families Retirees living OCONUS are generally **not eligible** for the TRICARE Dental Program. Instead, they typically obtain dental coverage through the **Federal Employees Dental and Vision Insurance Program (FEDVIP)**, managed by OPM. Note that while FEDVIP is available internationally, the network of providers may be limited, and you may be required to pay the dentist upfront and submit a claim for reimbursement.

### Finding an OCONUS Provider Under the TDP, United Concordia maintains a list of TRICARE OCONUS Preferred Providers (TOPPs). If you see a TOPP provider: 1. You do not have to pay the full bill upfront. 2. The provider files the claim for you. 3. You only pay your cost-share. If you see a non-network provider OCONUS, you will likely have to pay the full amount at the time of service and file a manual claim for reimbursement.

## Who this affects * **Active Duty Service Members:** Required to use military clinics; authorized civilian care if remote. * **Active Duty Family Members:** Covered by TDP (United Concordia) with specific benefits for command-sponsored individuals. * **National Guard & Reserve:** Eligible for TDP enrollment while in OCONUS status. * **Retirees:** Not eligible for TDP; must use FEDVIP or private international insurance.

## Sources * **TRICARE.mil Dental Overview:** https://www.tricare.mil/dental * **United Concordia (TDP OCONUS):** https://www.uccitdp.com/ * **BENEDS (FEDVIP for Retirees):** https://www.benefeds.com/ * **Defense Health Agency (DHA):** https://health.mil/