How to File TRICARE Overseas Claims: 2026 Guide | TRICARE.com

*TRICARE.com is an independent reference site and is not affiliated with the official TRICARE program or the Department of Defense. For official policy and enrollment, visit TRICARE.mil.*

## Quick answer To get reimbursed for medical care received outside the United States, you must pay the provider up-front and then submit a claim with an itemized bill to **International SOS**, the overseas contractor. Active duty service members typically have no out-of-pocket costs, but family members and retirees must usually file their own paperwork to be paid back for covered services.

## Details When you are outside the 50 United States and the District of Columbia, your claims are handled by the TRICARE Overseas Program (TOP) contractor, International SOS. Unlike the U.S. "East" and "West" regions, the overseas contractor manages all three overseas regions: Eurasia-Africa, Latin America & Canada, and Pacific.

### 1. The "Pay and Claim" Rule In most overseas locations, civilian providers do not file claims for you. You are responsible for: * Paying the full cost of care at the time of service. * Obtaining an itemized receipt (translated into English if possible). * Submitting **DD Form 2642** (Patient’s Request for Medical Payment).

### 2. Filing the Claim You have three primary ways to file your overseas claim: * **Online (Preferred):** Use the TOP Beneficiary Secure Claims Portal provided by International SOS. This is the fastest way to receive reimbursement. * **Mobile App:** The TRICARE Overseas App allows for document uploads. * **Mail:** You can mail paper forms to the specific regional service center (e.g., Singapore for Pacific, UK for Eurasia-Africa).

### 3. Deadlines and Timelines For care received overseas, you generally have **three years** from the date of service (or date of discharge for inpatient care) to file a claim. However, it is highly recommended to file within 90 days to avoid currency exchange complications.

### 4. Proof of Payment and Translation Your claim must include an itemized bill that lists every service and its individual cost. If the bill is not in English, International SOS will provide translation services, but this may delay processing. You must ensure the bill clearly states: * Patient’s name and DOB. * Provider’s name and address. * Date and place of service. * Description of the procedure or diagnosis.

### 5. Expected Rates and Fees (Plan Year 2026) * **Active Duty Service Members (ADSMs):** $0 out-of-pocket for authorized care. If you are forced to pay a civilian provider, you will be reimbursed 100%. * **TRICARE Select Overseas:** Beneficiaries are subject to a deductible and cost-shares. For 2026, a Group A retiree might pay a 25% cost-share for out-of-network care after meeting their deductible. * **TRICARE Prime Overseas:** You usually have no out-of-pocket costs for authorized care, but if you seek care without a referral (Point of Service), you will face a $300 individual deductible and 50% cost-shares.

## Who this affects * **Active Duty Service Members (ADSMs)** stationed or on TDY/leave overseas. * **Active Duty Family Members (ADFMs)** living OCONUS. * **Retirees and their families** living abroad or traveling. * **National Guard and Reserve members** on active duty orders OCONUS or using TRICARE Reserve Select while living abroad.

## Sources * **TRICARE.mil:** [Filing Overseas Claims](https://www.tricare.mil/FormsClaims/Claims/Overseas) * **International SOS:** [TRICARE Overseas Beneficiary Portal](https://www.tricare-overseas.com/beneficiaries) * **Defense Health Agency (DHA):** [TRICARE Overseas Program Manuals](https://manuals.health.mil/)