TRICARE beneficiaries

Plans and programs

TRICARE keeps you covered with several different health plans and programs to fit all of your unique needs. Plan availability depends on who you are and where you live. TRICARE also offers supplemental programs tailored specifically to beneficiary health concerns or conditions.


TRICARE plans meet or exceed the requirements for minimum essential coverage under the Affordable Care Act. Plans include TRICARE Prime, TRICARE Prime Remote, TRICARE Select, TRICARE Retired Reserve, TRICARE Reserve Select, TRICARE Young Adult, TRICARE for life and US Family Health Plan.

Compare plans

Continued Health Care Benefit Program (CHCBP)

CHCBP is a premium-based plan that offers temporary transitional health coverage for 18 to 36 months after TRICARE eligibility ends. It acts as a bridge between military health benefits and your new civilian health plan. It is a healthcare program intended to provide you with continuous healthcare coverage on a temporary basis following your loss of military benefits.

Who's eligible and how to purchase

Eligible beneficiaries include the service member (who can also enroll his or her family members), certain unmarried former spouses and children who lose military coverage due to age. You must purchase the CHCBP within 60 days of loss of TRICARE eligibility. CHCBP coverage begins on the first day after the loss of TRICARE eligibility.

Claims processing information

In addition to finding claims processing information through self-service, beneficiaries can also contact a representative using chat, secure messaging or by calling (800) 444-5445. Log in to self-service

Learn more about CHCBP

Eligible individuals for SHCP

  • Active Duty Service Members (ADSMs)
  • National Guard and Reserve members on active duty
  • National Guard and Reserve members authorized for line of duty (LOD) care
  • National Oceanic and Atmospheric Administration personnel, U.S. Public Health Service personnel, and Reserve Officer Training Core (ROTC) students, cadets and midshipmen
  • Eligible foreign military personnel (for outpatient care only)
  • Any non-TRICARE eligible person who receives approval from a military hospital or clinic to receive civilian services under SHCP (those with Medicare are not eligible for SHCP except if they are inpatient at a military hospital or clinic, and while remaining inpatient at the military hospital or clinic, require civilian diagnostic services that cannot be performed at the military hospital or clinic)
  • Beneficiaries on the Temporary Disability Retirement List are eligible to obtain required periodic physical examinations through SHCP
  • Medically retired former members of the armed services enrolled in the Federal Recovery Coordination Program

Supplemental Health Care Program (SHCP)

SHCP provides coverage for services provided by civilian doctors. Active Duty Service Members (ADSM) whose duty assignment is within 50 miles of a military hospital or clinic may be eligible for care under SHCP.

What's covered?

SHCP covers any healthcare service as long as the military hospital or clinic refers the patient or the military Service Point-of-Contact (SPOC) authorizes the care. For covered services, ADSMs do not pay cost-shares, copayments or annual deductibles. The SPOC also acts as a liaison between the ADSM and all members of the healthcare process, from the civilian healthcare professional to the claims processor.

Authorization process

The civilian healthcare provider will submit a request to Humana Military for review. The request is then reviewed for services NOT excluded by TRICARE against TRICARE coverage guidelines and approved or denied based on those findings. If ADSMs receive a denial letter for non-covered services, a waiver from DHA may be required to proceed. Instructions for the waiver will be included in the denial letter.

See who's eligible for SHCP

Transitional Assistance Management Program (TAMP)

TAMP provides 180 days of transitional healthcare benefits to certain
uniformed service members and their families.

Learn more

Extended Care Health Option (ECHO)

Beginning Jan. 1, 2019, the ECHO benefit cap will be based on a calendar year (Jan. 1–Dec. 31). Because of this shift, the benefit cap will be increased by $9,000 to cover the remaining quarter (Oct. 1–Dec. 31, 2018). This will allow for a total amount of $45,000 from Oct. 1, 2017 to Dec. 31, 2018. The $36,000 total TRICARE coverage limit will reset on Jan. 1, 2019. If you have questions about ECHO limits and the change to calendar year, contact your case manager. Learn more

ECHO supplements the basic TRICARE program by providing financial assistance for an integrated set of services and supplies. To use ECHO, qualified beneficiaries must enroll in the Exceptional Family Member Program (EFMP) through the sponsor's branch of service, ensure the qualifying family member's disability is properly entered in DEERS and register for ECHO with a case manager. For more information, please call (800) 881-9227 with medical inquiries or (866) 323-7155 for behavioral health inquiries.

What are the benefits?

For those who qualify, TRICARE ECHO provides benefits not available through the basic TRICARE program, including:

  • Medical and rehabilitative services
  • In-home respite services
  • Special education
  • Durable equipment, including adaptation and maintenance
  • Transportation under certain circumstances
  • Institution care when a residential environment is required
  • Assistive services (e.g., those from a qualified interpreter or translator)
  • Expanded in-home medical services through TRICARE ECHO Home Health Care (EHHC)

Who's eligible?

TRICARE ECHO is only available to active duty family members with qualifying conditions, including:

  • Autism spectrum disorders
  • Serious physical disability
  • Moderate to severe mental retardation
  • Multiple disabilities (may qualify if there are two or more affecting separate body systems)
  • Extraordinary physical/psychological condition rendering the beneficiary homebound
  • Diagnosis of a neuromuscular developmental condition or other condition in an infant or toddler that is expected to precede a diagnosis of moderate to severe mental retardation or serious physical disability

Looking for accurate and up-to-date information about Autism Spectrum Disorder (ASD)? Learn more about available ASD benefits and services that may be available to assist you in getting the care you need by visiting our Autism Center of Excellence

TRICARE covers Applied Behavior Analysis (ABA) from board-certified behavior analysts for all TRICARE eligible beneficiaries who are diagnosed with ASD. To learn more, contact us at (866) 323-7155.

National Guard and Reserve (NGR)

National Guard and Reserve refers to members of the Army National Guard, Army Reserve, Navy Reserve, Marine Corps Reserve, Air National Guard, Air Force Reserve and U.S. Coast Guard Reserve. Members of the National Guard and Reserve (NGR) and their family members are eligible for different TRICARE benefits depending on their status. If you have been on military duty for 30 days or less, you may qualify for TRICARE TRS. When activated, you qualify for TRICARE TPR.
When deactivated, you qualify for CHCBP or TAMP. Learn more

National Guard & Reserve customer service line: (877) 298-3408

Warrior Navigation and Assistance Program (WNAP)

WNAP was created to help guide warriors and their families through the military and Veteran Affairs' healthcare systems, connect them with community resources, non-medical services and civilian healthcare in order to return them to productive lives. Our services offer returning warriors and their families a way to reach out for person-to-person support from a team that is specially trained to deal with the unique challenges they encounter. Guidance for the civilian healthcare sector caring for these service members is also available.

Learn more

WNAP caring for the caregiver

Caring for a wounded hero has many rewards, but it can also be demanding physically, emotionally and financially. Caregivers have many of their own responsibilities such as work, bills and taking care of children. While they spend many long hours caring for their loved ones, caregivers often neglect their own personal health.


Respite care may be available to those who qualify. It is short-term care for a patient intended to provide a break for the primary caregiver.

Make time for yourself

  • Do something for yourself each day.
  • Be active. Light exercises such as walking, stretching or dancing can make you less tired.
  • Find ways to connect with friends.
  • Give yourself time off to rest and ask friends or family members to pitch in.

Join a caregiver support group

In a support group, you can talk things over with other caregivers to help you realize that you are not alone. People may talk about their feelings and trade advice, while others may just want to listen. Hearing how others cope in similar circumstances can provide guidance for your specific situation.

WNAP resources

Behavioral health symptom checkup for beneficiaries
Information about recognizing behavioral, emotional, and social symptoms and knowing when and where to find assistance and support.

Blind Veterans Association
Helps the blind and visually impaired and promotes the welfare of blinded Veterans.

Defense and Veterans Brain Injury Center
Clinical care and educational programs for active duty military, their beneficiaries and Veterans with traumatic brain injuries.

Department of Veterans Affairs (VA)
Range of benefits for Veterans including disability benefits, education and training and medical treatment.

Homes 4 wounded heroes
100% mortgage-free homes for wounded heroes in combination with a family and financial mentoring program.

Military OneSource
A free service provided by the Department of Defense to service members and their families to assist with a broad range of topics/issues.

National suicide prevention lifeline
A confidential suicide prevention hotline.

Social security disability benefits for wounded warriors
Information about Social Security for wounded warriors such as expedited processing of disability claims.

TRICARE computer/electronic accommodations program
Provides needs assessments, assistive technology and training to our nation's wounded service members throughout all phases of their recovery and employment search.

VA caregiver support
Offers support services for family caregivers.

Veterans Benefits Administration (VBA)
Veteran benefit information offered by the US Department of Veterans Affairs.

Wounded warrior families and caregivers
Resources for family life, crisis support, finances and more.

Medicare support for caregivers
The official US government site for Medicare.