TRICARE Eurasia-Africa and Pacific: 2026 Overseas Guide | TRICARE.com

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## Quick answer TRICARE Eurasia-Africa and TRICARE Pacific are two of the three overseas geographic regions managed by TRICARE Area Office (TAO) directors. In these areas, International SOS serves as the primary contractor to coordinate medical care, evacuations, and support services for beneficiaries living outside the United States.

Details

While the continental United States is divided into the East and West regions, locations abroad are grouped into the **TRICARE Overseas Program (TOP)**. The Eurasia-Africa and Pacific areas represent the vast majority of these international locations.

### Regional Management and Contractor International SOS is the current contractor for the TRICARE Overseas Program. They provide a 24/7 call center, translation services, and a network of "TRICARE-preferred" providers in foreign countries.

* **TRICARE Eurasia-Africa:** Covers more than 100 countries including Europe, Africa, and the Middle East. Major hubs include Germany, Italy, the United Kingdom, and Bahrain. * **TRICARE Pacific:** Covers Guam, Japan, Korea, Australia, and various island nations.

### Available Plans (2026) Beneficiaries in these regions generally use one of the following variations:

1. **TRICARE Overseas Program (TOP) Prime:** Available to Active Duty Service Members (ADSMs) and their command-sponsored dependents. There are $0 out-of-pocket costs for covered care at Military Medical Treatment Facilities (MTFs) or with a referral to a civilian provider. 2. **TOP Prime Remote:** For ADSMs and command-sponsored families living in remote locations where no MTF is available. Care is managed through International SOS. 3. **TOP Select:** A self-referral, PPO-style option for active duty family members (not command-sponsored), retirees, and their families. While it offers more flexibility, it involves annual deductibles and cost-shares.

### 2026 Costs and Fees * **Active Duty:** Pay $0 for all covered medical care. * **TOP Select Resulting from Group A (Sponsor enlisted before Jan 1, 2018):** For 2026, retirees and their families typically face an annual outpatient deductible of $150 per individual or $300 per family. * **TOP Select Resulting from Group B (Sponsor enlisted on/after Jan 1, 2018):** Deductibles and enrollment fees are higher; check the current TRICARE.mil fee sheet for exact 2026 inflation-adjusted figures. * **Currency Fluctuations:** TRICARE processes claims based on the exchange rate on the date of service, which can impact out-of-pocket math for those using TOP Select.

### Medical Evacuation One of the most critical roles of the Eurasia-Africa and Pacific regional contractor is managing **Aeromedical Evacuations**. If a beneficiary requires urgent care that is not available locally, International SOS coordinates the transport to a facility capable of providing that care.

## Who this affects * **Active Duty Service Members:** Stationed in Europe, Africa, the Middle East, or the Pacific/Asia regions. * **Command-Sponsored Dependents:** Family members officially authorized to live overseas with their sponsor. * **Retirees and Families:** US military retirees living abroad (who primarily use TOP Select). * **National Guard and Reserve:** If activated for more than 30 days and stationed overseas.

## Sources * **TRICARE.mil Overseas Program:** https://www.tricare.mil/overseas * **International SOS (TRICARE Overseas):** https://www.tricare-overseas.com/ * **TRICARE Area Office (TAO) Contacts:** https://www.tricare.mil/ContactUs/CallUs/TAO * **Defense Health Agency (DHA):** https://health.mil/Selection-of-Overseas-Contractor