TRICARE Overseas: Plans, Costs, and Coverage Guide | TRICARE.com

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## Quick answer TRICARE Overseas provides comprehensive health coverage for military members and their families living outside the United States. Managed by **International SOS**, the program offers three primary plan options—Prime, Prime Remote, and Select—depending on your location and sponsor status.

Details

Living overseas changes how you access care, but your coverage remains robust. The overseas region is divided into three geographical areas: Eurasia-Africa, Latin America/Canada, and the Pacific.

### 1. Plan Options * **TRICARE Prime Overseas:** Available to Active Duty Service Members (ADSMs) and their command-sponsored family members. You receive most care at Military Mountain Treatment Facilities (MTFs). * **TRICARE Prime Remote Overseas:** For ADSMs and command-sponsored families living in remote locations where no MTF is available. You generally use the global network of providers managed by International SOS. * **TRICARE Select Overseas:** Available to ADSM family members (non-command sponsored), retirees, and their families. This plan offers the most flexibility to see any authorized provider, but involves higher out-of-pocket costs.

### 2. Enrollment and Logistics To be eligible for Prime options, family members must be **command-sponsored**, meaning their names appear on the sponsor’s official overseas travel orders. If a family member is not command-sponsored, they are typically restricted to TRICARE Select Overseas.

### 3. Costs and Claims (2026 Rates) * **Active Duty:** ADSMs have $0 out-of-pocket costs for covered medical services. * **TRICARE Select Overseas:** Deductibles and cost-shares vary by the sponsor's "Group" (Group A joined before 2018; Group B joined in 2018 or later). For 2026, check TRICARE.mil for specific catastrophic caps, as these are adjusted annually based on the cost-of-living index. * **Pharmacy:** Managed by **Express Scripts**. While MTFs offer $0 copays, home delivery is restricted in many overseas locations due to local laws. Retail pharmacies are available but often require you to pay upfront and file a claim for reimbursement.

### 4. Filing Claims Unlike the U.S. East (Humana Military) and West (TriWest) regions, you will frequently need to pay for care upfront when using non-network providers overseas. You must then file a claim with International SOS for reimbursement. Ensure you keep all invoices and medical records translated into English if possible.

## Who this affects * **Active Duty Service Members:** Mandatory enrollment in Prime or Prime Remote while OCONUS. * **Command-Sponsored Families:** Eligible for Prime Overseas or Prime Remote Overseas. * **Non-Command Sponsored Families:** Eligible for TRICARE Select Overseas. * **Retirees and Survivors:** Eligible for TRICARE Select Overseas (Prime is generally not available to retirees OCONUS). * **Guard/Reserve:** Eligible for TRICARE Reserve Select (TRS) while living abroad.

## Sources * **TRICARE.mil:** [Overseas Program Overview](https://www.tricare.mil/overseas) * **International SOS:** [TRICARE Overseas Portal](https://www.tricare-overseas.com/) * **Defense Health Agency (DHA):** [Benefits and Plans](https://health.mil/) * **Express Scripts:** [Overseas Pharmacy Benefits](https://www.express-scripts.com/tricare)