TRICARE Overseas Program Standard is similar to the TRICARE Standard program offered stateside, including cost-shares and deductibles. Active duty family members living overseas with their sponsors, who have relocated with service sponsored/funded orders, may choose between TOP Prime and TOP Standard.
If you are an active duty family member, you may choose between using TOP Prime and/or TOP Standard if:
Retirees and their families who reside overseas are not eligible to enroll in TOP Prime and are only covered by TOP Standard.
Eligibility for TOP Standard
If you are a non-command-sponsored active duty family member who resides overseas, you are eligible for TOP Standard only. Uniformed Services retirees and their family members are eligible to use TOP Standard while living in overseas areas. Although Medicare services are unavailable overseas, retirees and their family members entitled to Medicare Part A must be enrolled in Medicare Part B in order to retain TRICARE eligibility and use TOP Standard.
Reserve/National Guard Eligibility for TOP Standard
If you are a National Guard or Reserve family member who lives overseas with your sponsor at the time they are activated, you may choose whether to enroll in TOP Prime or use TOP Standard, if he or she is called to active duty for more than 30 days. National Guard and Reserve members and eligible family members who reside overseas during the 90-day early TRICARE benefit period are eligible for TOP Standard.
Accessing Health Care
The TOP Standard option is a fee-for-service program. Enrollment is not required and you may receive care from any host-nation provider for TRICARE-covered benefits. When using TOP Standard in the Philippines, you must select a provider who is certified. If you need help finding a TOP Standard provider you may contact the nearest:
Active Duty Family Members
Retirees and Their Family Members
|Annual Deductible Per Fiscal Year||$150 per person $300 per family|
|Catastrophic Cap Per Fiscal Year||$1,000||$3,000|
The fiscal year is Oct. 1–Sept. 30. Cost-share amounts are subject to change each fiscal year. You may visit www.tricare.mil/costs for the most up-to-date cost information. Despite its increased out-of-pocket costs, TOP Standard may be the right choice for you, especially if you prefer to receive care directly from host-nation providers.
TOP Standard Provider Fraud and Abuse
If you use TOP Standard, you should be aware of fraud and abuse and the steps to take in the event that you suspect suspicious activity.
If you need to report suspected fraud and/or abuse, send as much information as possible in writing to:
ATTN: TRICARE Program Integrity
1717 W. Broadway
P.O. Box 7635
See also: MTF Locator Web page
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