TRICARE Supplement Plan

AFAVBA Supplements to
TRICARE
STANDARD
TRICARE
RESERVE SELECT

and
TRICARE
PRIME

You Are Guaranteed Acceptance
Through AFAVBA, members are guaranteed acceptance* for the TRICARE supplement coverage. You cannot be denied coverage based on your age or health as long as you are eligible for TRICARE benefits.

*Pre-existing health conditions may not be covered initially. Please refer to the Preexisting Conditions explanation below for details.

Affordable Family Coverage
Teaming your TRICARE Supplement with your existing TRICARE coverage gets you and your family great health insurance protection at affordable group rates.

Goes With You Anywhere
AFAVBA's TRICARE Supplement is completely portable, it goes with you when you travel or change jobs. It is the ideal choice for you if you are self-employed or if your employer does not offer insurance.

Exclusions and Limitations Apply To Your TRICARE Supplement Coverage

This product is currently unavailable in ME, MT, NH and VT

Who Is Eligible for Coverage?

Active Duty Family Plan
Your spouse (under age 65) and unmarried dependent children under age 21 (age 23 if a full-time student) are eligible for coverage. All family members must be covered by TRICARE.

TRICARE Reserve Select Supplement Plan
You, your spouse (under age 65) and unmarried dependent children under age 21 (age 23 if a full-time student) are eligible for coverage. All family members must be covered by TRICARE Reserve Select and cannot be eligible for FEHBP or currently covered under FEHBP.

Retiree Plans
You, your spouse (under age 65) and unmarried dependent children under age 21 (age 23 if a full-time student) are eligible for coverage. All family members must be covered by TRICARE.

TRICARE Prime A and B Supplement Plans
You, your spouse (under age 65) and unmarried dependent children under age 21 (age 23, if a full-time student) are eligible for coverage. All family members must be covered by TRICARE.

When Does Coverage Start And End?

Effective Date of Coverage
Your coverage will become effective on the first day of the month following the date your enrollment form is received. If you are confined in a hospital on the date you are to become covered under the policy, your coverage will be deferred until the first day after you are discharged.

Renewability
Your coverage will remain in effect as long as you continue to pay your premiums when due, the group policy remains in force, and you remain eligible for coverage. Your coverage ends when you become eligible for Medicare, or you reach age 65 (unless you are not eligible for Medicare).

Extension of Benefits for Total Disability
If a covered person is Totally Disabled on the date his or her coverage ends, TRICARE supplement coverage will extend inpatient benefits until the date he or she is no longer Totally Disabled; or 90 days from the date his or her Inpatient Benefit ended, whichever is the first to occur. Outpatient Benefits under the Plan will continue up to 90 days from the date of termination. The continuation will only apply to expenses incurred for the injury or sickness that caused the total disability.

What is Covered?

Type of Service The Active Duty Family Plan Pays The TRICARE Reserve Select Supplement Plan Pays The TRICARE Standard/Extra High Option Supplement Plan Pays The TRICARE Prime Plan A Supplement Pays The TRICARE Prime Plan B Supplement Pays
Inpatient Care at a Civilian Hospital The lesser of the $250 per diem charge per day or 25% cost share of the contracted rate for TRICARE Extra. 2 The greater of 1) Current Daily Subsistence Charge for each day of confinement; or
2) $25 for all Confinements which are due to the same or related Sickness or Injury and separated by less than 60 days.2
The lesser of the $535 DRG amount or 25% of the billed charge not to exceed the TRICARE Standard DRG amount PLUS 100% of Covered Excess Charges up to the Legal Limit.1, 2, 4 Your eligible TRICARE Prime copayments and cost shares.5, 7 & 8 Your eligible TRICARE Prime copayments and cost shares.3, 5, 7 & 8

Your 50% of the TRICARE allowed amount 4, & 6 (your cost share) after you pay the Point of Service Deductible.2, 3, 5, 7 & 8
Inpatient Care at a Government Hospital The lesser of $25 or the Current Daily Subsistence Charge Current Daily Subsistence Charge Current Daily Subsistence Charge Current Daily Subsistence Charge Current Daily Subsistence Charge
Outpatient Care (Doctor visits, clinics, and outpatient surgeries Your cost share PLUS 100% of Covered Excess Charges up to the Legal Limit.2 Your cost share for covered expenses until the TRICARE Cap is met PLUS 100% of Covered Excess Charges up to the Legal Limit.2 Your cost share PLUS 100% of Covered Excess Charges up to the Legal Limit.1, 2, 4 Your eligible TRICARE Prime copayments and cost share amounts.2, 5, 7 & 8 Your eligible TRICARE Prime copayments and cost share amounts2, 3, 5 & 7

Your 50% of the TRICARE allowed amount (your cost share) after your pay the Point of Service Deductible.2, 3, 5 & 7
Prescriptions Your copayment amounts.2 Your copayment amounts.2 Your copayment amounts.1, 2, 4 Your copayment amounts.2, 5, 7 & 8 Your copayment amounts.2, 3, 5 & 7
  1. Expenses used to satisfy the TRICARE Outpatient Deductible are not covered and may not be applied toward your plan deductible.

  2. Expenses used to satisfy the TRICARE Outpatient Deductible are not covered.

  3. Subject to maximum payable under this benefit of $7,500 per family per fiscal year.

  4. After you meet the annual fiscal year plan deductible of $250 per person or $500 per family

  5. TRICARE Prime A and B supplement plans do not pay the TRICARE Prime annual enrollment fee

  6. The Prime A and B Supplement Plans are not available in NC and ND. Plan B is not available in FL, VT and IA.

  7. The TRICARE Prime A and B Supplement Plan do not cover the Point of Service (POS) deductible.

If you have other coverage which will begin to pay before your TRICARE Supplement and TRICARE Benefits begin, the TRICARE Supplement will limit its payment to an amount which, when added to the amounts paid by the Employer Health Program and TRICARE, will not exceed 100% of the TRICARE covered expenses. TRICARE caps your out-of-pocket costs per year or deductible and co-payments. Please remember, however, the High Option Supplement Plan pay covered excess charges not to exceed 115% of the Legal Limit. By law, providers are limited to charging you no more than 15% above allowed amounts.

How Much Does It Cost?
Click here for AFAVBA TRICARE Supplement Rates. Rates are based on attained age on the premium due date for each covered person.

 

Pre-Existing Conditions Limitation
Any injury or sickness, whether diagnosed or undiagnosed for which any person proposed for coverage has received medical treatment or care within 6 months immediately preceding their effective date will not be covered (a) until that person has not received medical treatment or care for that condition during a period of 6 consecutive months (ending any time on or after the covered personís effective date) or (b) until the coverage has been in effect for 6 months. New conditions will be covered immediately.

Nervous, Mental, Emotional Disorder, Alcoholism and Drug Addiction Limits
The coverage provided under the Inpatient Benefit of the TRICARE Supplement Plan for nervous, mental and emotional disorders, including alcoholism and drug addiction, is limited to:

  1. 30 Inpatient treatment days for Covered Person age 19 or older; or
  2. 45 Inpatient treatment days for a Covered Person under age 19; per Fiscal Year.
This Inpatient limit is based on the number of days TRICARE normally provides each Fiscal Year for such confinements.

In rare instances, TRICARE extends these daily limits. If this occurs, we will limit the number of days that we provide for such confinement to the lesser of:
  1. the number of days TRICARE pays for such Inpatient treatment during the Fiscal Year; or
  2. 90 Inpatient days per Fiscal Year.
The coverage provided under the Outpatient Benefit of the TRICARE Supplement Plan for:
  1. nervous, mental, and emotional disorders; and
  2. alcoholism and drug addiction;
is limited to $500 during any Fiscal Year for all such disorders.

Exclusions
The Policy does not cover:

  1. injury or sickness resulting from war or act of war, whether war is declared or undeclared;
  2. intentionally self inflicted injury;
  3. suicide or attempted suicide, whether sane or insane (in Colorado and Missouri while sane);
  4. routine physical exams and immunizations, except when:
    1. rendered to a child up to 6 years from his or her birth; or
    2. ordered by a Uniformed Service:
      1. for a Covered Spouse or Child of an Active Duty Member;
      2. for such spouse or child's travel out of the United States due to the Member's assignment;
  5. domiciliary or custodial care;
  6. eye refractions and routine eye exams except when rendered to a child up to 6 years from the child's birth;
  7. eyeglasses and contact lenses;
  8. prosthetic devices, except those covered by TRICARE;
  9. cosmetic procedures, except those resulting from Sickness or Injury while a Covered Person;
  10. hearing aids;
  11. orthopedic footwear;
  12. care for the mentally incapacitated or physically handicapped if:
    1. the care is required because of the mental incapacitation or physical handicap; or
    2. the care is received by an Active Duty Member's child who is covered by the "Program for the Handicapped" under TRICARE;
  13. drugs which do not require a prescription, except insulin;
  14. dental care unless such care is covered by TRICARE, and then only to the extent that TRICARE covers such care;
  15. any confinement, service, or supply that is not covered under TRICARE;
  16. Hospital nursery charges for a well newborn, except as specifically provided under TRICARE;
  17. any routine newborn care except Well Baby Care, as defined, for a child up to 6 years from his or her birth;
  18. expenses in excess of the TRICARE Cap;
  19. expenses which are paid in full by TRICARE;
  20. any expense or portion thereof applied to the TRICARE Outpatient Deductible;
  21. that part of any Covered Excess Charges except as otherwise stated in the Supplement Benefits;
  22. treatment for the prevention or cure of alcoholism or drug addiction except as specifically provided under TRICARE and the Policy;
  23. any part of a covered expense which the Covered Person is not legally obligated to pay because of payment by a TRICARE alternative program; and
  24. any claim under more than one of the TRICARE Supplement Plans, or under more than one Inpatient Benefit or more than one Outpatient Benefit of the TRICARE Supplement Plans. If a claim is payable under more than one of the stated Plans or Benefits, payment will only be made under the one that provides the highest coverage, subject to the Pre Existing Condition Limitation.

This material explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this brochure and the contract, the terms of the contract apply. Complete details are in the Certificate of Insurance issued to each insured individual.

This program is not available in all states.

To apply, please call 1-800-291-8480.