Recoupment of Overpayments
When you or your provider file a claim, TRICARE usually reimburses the proper amount. Sometimes we reimburse the wrong amount to you or your provider.
Regardless of fault, the Federal Claims Collection Act requires your regional contractor to try to recoup—or recover—any overpayments from you or your provider.
What are examples of mistakes that can result in an improper payment from TRICARE?
This list isn't all inclusive.
How does the recoupment process work?
If we find an overpayment was made, your contractor sends the recipient of the payment (you or your provider) a written request for repayment. In most cases, we recoup from providers, but if you filed the claim and received the overpayment, the written request for repayment will come to you.
After 150 days, if you haven’t entered an agreement to repay the debt and your contractor hasn’t been able to recoup at least half the amount due, your contractor transfers your case to Defense Health Agency (DHA) Claims Collection.
DHA Claims Collection has several options for recoupment, which include:
- Legal action/litigation against you
- The amount owed can be taken from your military active or retired pay
- The amount owed can be taken from any federal funds owed to you
- Your debt can be referred to credit bureaus
- The amount due can be subtracted from future claims
Also, you may incur additional charges. Under extremely limited circumstances, we may compromise the debt. This is determined on a case-by-case basis.
What happens if my provider doesn’t repay the debt?
When we overpay to providers, we’ll only attempt to recoup from the provider—not you. The exception is cost-share or deductible errors, and certain eligibility cases. You’re generally responsible to only pay your applicable copayment or cost-share for covered services. Your provider may attempt to bill you again. Because each scenario is unique, please contact your regional contractor if you have questions.
Recoupment with Other Health Insurance
If you have other health insurance and TRICARE paid first by mistake, your contractor will try first to recoup the payment from your other health insurance. If your other health insurance refuses to pay or doesn’t respond, the person who received the payment (you or your provider) is responsible. You can avoid this by always giving your other health insurance information to your contractor. >>Learn More