BCAC-DCAO

Beneficiary Counseling and Assistance Coordinators and Debt Collection Assistance Officer

(BCAC and DCAO)
Beneficiary Counseling and Assistance Coordinators (BCACs) can help you with TRICARE and Military Health System inquiries and concerns, and can advise you about obtaining healthcare. BCACs are located at military hospitals or clinics and at the TRICARE Regional Offices (TROs).

Debt Collection Assistance Officers (DCAOs) are also located at MTFs and the TROs to assist you in resolving healthcare collection-related issues. Contact a DCAO if you have received a negative credit rating or have been sent to a collection agency due to an issue related to TRICARE services.

When you visit a DCAO for assistance, you must bring or submit:

  • Documentation associated with a collection action or adverse credit rating, including debt collection letters
  • EOB statements
  • Medical/dental bills from providers

Note: The DCAO will research your claim, provide you with a written resolution of your collection problem and inform the collection agency that action is being taken to resolve the issue. DCAOs cannot provide legal advice or repair your credit rating, but they can help you through the debt collection process by providing documentation for the collection or credit-reporting agency to explain the circumstances relating to the debt.

To find a BCAC or DCAO near you, visit the BCAC/DCAO directory online