Using Your TRICARE benefit with Other Health Insurance (OHI)

If you have any health insurance other than TRICARE, it is called Other Health Insurance (OHI). It can be through your employer or a private insurance program. By law, TRICARE pays after all other health insurance, except for:

  • Medicaid
  • TRICARE supplements
  • State Victims of Crime Compensation Programs
  • Other Federal Government Programs identified by the Defense Health Agency (DHA)

This means your OHI processes your claim first. Then, you or your provider files your claim with TRICARE. If you are you on active duty, you can't use OHI. TRICARE is your only coverage. If you have Medicare, TRICARE will pay last after Medicare and your OHI for TRICARE-covered services.

If TRICARE receives your claim before your other health insurance processes it, TRICARE will deny it. If TRICARE pays first and later discovers you had OHI, TRICARE will take back any payments made and will reprocess the claim after your OHI has processed it.


Losing OHI

If you lose your OHI, TRICARE becomes your primary payer. If you have TRICARE For Life, TRICARE becomes the second payer. You must inform Humana Military and your healthcare provider of loss of OHI. If you don’t share the loss of OHI, then you risk the chance of TRICARE denying your claim.


Complete OHI questionairre

Do you have OHI with prescription drug coverage?

If you have any health insurance other than TRICARE, it is called other health insurance (OHI). It can be through your employer or a private insurance program. By law, TRICARE pays after all other health insurance except for:

  • Medicaid
  • TRICARE supplements
  • State victims of Crime Compensation Programs
  • Other Federal Government programs identified by the Director, Defense Health Agency
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