Tricare For Life Eligibility Requirements – Military Carriers Unit Objectives After completing this unit, students should be able to: 1. Discuss the role of the military health program. 2. Customize the TRICARE program, including eligibility and enrollment options. 3. Describe the benefits of TRICARE. 4. Explain the TRICARE eligibility process. 5. Distinguish between TRICARE PAR and non-PAR. 6. Eliminate TRICARE cost-sharing requirements. 7. Define a TRICARE claim. 8. Explain the CHAMPVA program, including its mandate. 9. Discuss what the Department of Defense has done to implement the HIPAA privacy law. ACCOUNT BALANCE ACCEPTANCE TERMS AND CONDITIONS Credible Insurance Certificates CHAMPUS LIFE Maximum Allowable Premiums Defense Enrollment Reporting System (DEERS) eZ TRICARE Military Health System Military Medical System (MTF) Capability Statement (NAS) Other Health Insurance (OHI) Local Contractors for TRICARE TRICARE (TFL) TRICARE ADMINISTRATION TRICARE FUNCTIONS TRICARE SUPPLEMENT. Insurance TRICARE Allowed Charges XPPressClaim Opening Screenplay Sally Curtis looks forward to the chapter on military insurance companies. He came from a distant army. His parents are both in the military, his uncle is currently in the Marines in Iraq, his mother is a Green Beret, and his father was stationed in England during World War II. Sally didn’t know the military had private insurance. During the family discussion, several questions were asked about TRICARE and CHAMPVA that Sally was unable to answer. Aunt Sally tells Betty that she knows there are three plans for married active duty service members, but she doesn’t know which one is best for her. Where Aunt Betty received her health care, the health insurance professional was of little help because she didn’t know much about military insurance and Aunt Betty knew the claims were properly handled. “He called it Champus,” Betty said, not TRICARE. What is Tapavudi? “Sally promised his family members that they would get the answers they needed after completing Chapter 10. The federal government’s military health program has been providing services to the military since the earliest years of American history. In 1884, Congress required that Army medical officers and surgeons visit the families of officers and soldiers free of charge whenever possible. During World War II, Congress authorized the creation of maternal and child health care programs. The Dependent Health Care Act became law in 1956. A 1966 amendment to the act during the Korean War created the American Civilian and Medical Services Program (CHAMPUS), a military health care program until it was replaced by TRICARE in 1998. It has been around for more than 10 years. It complements a network of civilian professionals, agencies, pharmacies and providers to provide efficient and high-quality health care services to enrolled students. The TRICARE program is administered by the TRICARE Management Office (TMA), under the authority of the US Assistant Secretary of Defense (Department of Health). TRICARE is divided into six geographic regions: West, North, and South, and three overseas “regions”: Eurasia. -Africa, Latin America, and Canada and the Pacific (Figure 10-1).Each region/region has a regional office and a local contractor. Each area/region:
• Provide operational monitoring and management of health plans at the state level. • Manage contracts with local contractors. • Support the Military Medical Facility (MTF) Commander. • Develop work plans for non-MTF locations (eg remote locations); • Funding regional initiatives to expand and improve health care. Figure 10-1 Regional map of TRICARE health care services. (From the US Department of Health’s TRICARE Administration Act) The Military Health System (MHS) is the name of the United States Joint Services’ comprehensive health care infrastructure that operates TRICARE. Its mission is to “enhance our Department of Defense (DOD) and homeland security by providing medical care for all military operations and supporting the health of all those entrusted to us.” MHS covers military medical facilities (MTF) and civilian programs such as TRICARE. MTFs are DoD-operated clinics or hospitals located on military bases that provide care to military personnel, retirees, and their dependents. MHS provides high-quality and cost-effective medical care through MTFs, medical clinics and dental clinics around the world. Source: http://www.fhpr.osd.mil/pdfs/MHS%20QDR%20Medical%20Transformation%20Roadmap.pdfTRICARE Task Management (TMA) Since July 1998, TMA has managed the TRICARE health care program at MHS. TMA’s mission is to administer TRICARE, the medical and dental program through which service members, dependents, and other beneficiaries qualify for DOD health care services. The TMA also ensures that the Department of the Army fulfills its medical mission and that the Department is prepared to provide medical and dental services to members of the military during military operations. Like all government agencies, the TMA is updated frequently, and health insurance professionals need to be aware of these updates. To continue evolving, visit Evolve. As defined by TRICARE regional contractors, TRICARE is administered locally. Each region is led by a regional contractor responsible for providing health services and ancillary support to services in the MTF. These responsibilities include: • Developing a network of providers • Operating a TRICARE service center • Providing a customer service center • Providing administrative support for enrollment, licensing, and maintenance requirements • Disseminating educational information to consumers and providers Who is eligible for TRICARE? Like Medicaid and Medicare recipients, people who qualify for TRICARE are called “beneficiaries.” Associate members, active, retired or deceased, are called sponsors. A sponsor’s relationship with beneficiaries (spouses, children, parents) creates rights under TRICARE. Additionally, a person must be enrolled in the Defense Eligibility Reporting System (DEERS) to receive TRICARE. DEERS is an international computerized database of uniformed service members, family members, and recipients of military benefits. Enrollment in DEERS is key to accessing TRICARE. All sponsors are automatically enrolled in DEERS upon registration. However, it is the sponsor’s responsibility to enroll family members. When family members register, they can update personal information such as address and phone number. Individuals eligible for TRICARE can be divided into the following major categories: • Active Duty Service Members (ADSM) who are automatically enrolled in TRICARE Prime; • Unmarried Spouses and Children of ADSMs (Active Family Members [ADFMs]) • Eligible for Dress Pension, Spouses and Unmarried Children Please visit the Evolve website. Who is not eligible for TRICARE? Categories of people ineligible for TRICARE include: • Most people who are 65 or older and eligible for Medicare (except dependent family members). People under 65 are eligible for Medicare due to disability or kidney disease (ESRD) until age 65, but must be enrolled in Medicare Part B. • Parents and in-laws of ADSMs or retired Amalgamated Services or deceased or retired ADSMs. However, if space permits, they may receive treatment at a military medical center. • Persons receiving benefits through the Department of Veterans Affairs (CHAMPVA) Health and Civilian Medical Program are not eligible for TRICARE. • Other persons not registered with DEERS. Think about it! Alan Workman is an active duty Marine in Iraq. He has a wife and two children (ages 2 and 7) in the United States. In this case, TRICARE considers the sponsor, his wife, and his two children as income earners. LOSS OF TRICARE ELIGIBILITY TRICARE eligibility may be terminated for the following reasons: • Remove the sponsor from active duty. That is, he “retired” from the army before he retired. Recipients are eligible for Medicare Part A but not Medicare Part B. Dependent children: TRICARE coverage if children attend school full-time until age 21 or 23 and sponsors continue to pay 50% of the child’s financial aid. Unmarried children ages 23-26 who are not eligible for employer-sponsored health insurance may be eligible for TRICARE young adults based on their TRICARE eligibility. The importance of protecting the rights of former spouses. Surviving spouse, widow, or remarried ex-spouse. DEERS data not updated, if available
Tricare For Life Eligibility Requirements
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