Frequently Asked Questions

I’m an active duty service member; can I use other health insurance?

Yes, but only under certain circumstances and when in compliance with DoD and Service regulations. If you decide to use other health insurance (OHI), remember the following:

• You’re responsible for all costs.
• TRICARE won’t be second payer. This means there’s no coordination of benefits with your OHI and TRICARE.
• Your OHI may have some exclusions for military duty status. This means they may not pay for your care or may recoup for paid claims for services you received while on active duty or line of duty status. You must disclose your military status to your OHI to avoid claim denials or recoupments. Failure to disclose raises issues of fraud and could lead to administrative or judicial consequences.
• You must comply with Service regulations if you decide to get care from a civilian provider. This includes providing all medical records to your current primary care manager.
• Unauthorized care may affect your fitness for duty status.

Note: You can still get all your medical care (including mental health and dental care) at no cost to you through TRICARE. If you have questions about how using OHI may affect you, talk to your Service Personnel.