What Is TRICARE Overseas Program? Benefits & Plan Guide | TRICARE.com

The **TRICARE Overseas Program (TOP)** provides comprehensive health care coverage to eligible U.S. military service members, retirees, and their families living outside the 50 United States and the District of Columbia. Managed by the contractor International SOS, the program functions similarly to stateside TRICARE but is adapted for international healthcare systems and remote locations.

*Note: TRICARE.com is an independent reference site and is not the official TRICARE program. For official policy and the most current data, visit [TRICARE.mil](https://www.tricare.mil).*

Details

The TRICARE Overseas Program is divided into three primary regions: **Eurasia-Africa**, **Latin America and Canada**, and **Pacific**. Unlike the domestic U.S. regions managed by Humana Military and TriWest, all overseas regions are managed by a single contractor, **International SOS**.

### Overseas Plan Options The specific TOP plan you use depends on your military status and location:

* **TOP Prime:** Available to Active Duty Service Members (ADSMs) and their command-sponsored family members. It offers managed care with a Primary Care Manager (PCM) at a Military Medical Treatment Facility (MTF) or a civilian provider. There are no enrollment fees or out-of-pocket costs for covered services. * **TOP Prime Remote:** For ADSMs and command-sponsored families living in remote areas (usually more than 50 miles or a one-hour drive from an MTF). Like Prime, there are no out-of-pocket costs for authorized care. * **TOP Select:** A self-managed, preferred provider organization (PPO) style plan for retirees, their families, and non-command-sponsored active duty family members. Users can see any provider but pay yearly deductibles and cost-shares. * **TRICARE For Life (TFL) Overseas:** For beneficiaries with Medicare Part A and B. While Medicare does not provide coverage outside the U.S., TFL pays as the primary payer overseas.

### Costs and Claims (2026 Rates) While Active Duty members pay $0, other beneficiaries face varying costs based on their "Group" (Group A joined before 2018; Group B joined after 2018). * **Deductibles:** For 2026, TOP Select deductibles vary by rank and group but generally range from $63 to over $350 for individuals. * **Currency Fluctuations:** One unique feature of TOP is that claims are often paid in foreign currency. International SOS handles the currency conversion based on the date of service so the beneficiary is not penalized by exchange rate shifts. * **Filing Claims:** Unlike stateside Prime, TOP Select users often have to pay upfront for medical services in some countries and then file a claim with International SOS for reimbursement.

### Pharmacy Benefits The TOP pharmacy benefit is managed by **Express Scripts**. Beneficiaries can fill prescriptions at: 1. **Military Pharmacies:** Usually $0 copay. 2. **Home Delivery:** The most cost-effective option for maintenance medications (though shipping times can vary by region). 3. **Host Nation Pharmacies:** Often requires paying upfront and filing a claim.

## Who this affects * **Active Duty Service Members (ADSMs):** Stationed at overseas installations or on remote assignments. * **Active Duty Family Members (ADFMs):** Both command-sponsored (eligible for Prime) and non-command-sponsored (limited to Select). * **Retirees and their Families:** Living abroad permanently or temporarily. * **National Guard and Reserve:** If called to active duty for more than 30 days and stationed overseas. * **Survivors:** Eligible family members living outside the U.S.

## Sources * **TRICARE Overseas Program Official Site:** [tricare-overseas.com](https://www.tricare-overseas.com) * **Defense Health Agency (DHA):** [health.mil](https://www.health.mil) * **TRICARE.mil Plans Overview:** [tricare.mil/plans/healthplans/top](https://www.tricare.mil/plans/healthplans/top) * **Express Scripts Pharmacy:** [militaryrx.express-scripts.com](https://militaryrx.express-scripts.com)