When using TRICARE For Life in the U.S. and U.S. Territories, you may visit any participating or non-participating Medicare provider. To find a Medicare provider:
Providers Who Opt Out of Medicare
Providers who opt-out of Medicare enter into private contracts with beneficiaries.
- Medicare doesn't pay for services you receive from opt-out providers.
- TRICARE pays the amount that is would have paid had Medicare processed the claim.
- You may be responsible for about 80% of the cost for the care.
In cases where your access to medical care is limited (i.e., under-served areas), TRICARE may pay the claim as the primary payer.
Military Hospitals and Clinics