Veteran Notes – Veteran Updates
As veterans, service members, and military families, we count on Tricare to provide quality healthcare coverage. While Tricare offers excellent benefits, it’s important to understand that it doesn’t cover every expense. Deductibles, copays, and certain out-of-network costs can still leave you with unexpected medical bills.
The good news is that there are steps you can take to minimize those expenses and better protect both your health and your finances. By understanding your coverage and exploring your options, you can avoid surprises and focus on getting the care you need when you need it.
1. Know What Your Tricare Plan Covers
One of the best ways to avoid unexpected costs is to understand exactly what your Tricare plan covers and what expenses you’re responsible for paying.
Most Tricare plans include deductibles, copayments, or cost-sharing requirements. Before scheduling care, take a few minutes to review your benefits and estimate potential out-of-pocket costs. Using Tricare’s online Cost Comparison Tool can help you better understand what you may owe before receiving treatment.
2. Stay In-Network Whenever Possible
Using in-network providers is one of the easiest ways to keep healthcare costs under control.
Tricare-approved providers typically offer lower out-of-pocket expenses than out-of-network options. Before making an appointment, verify that the provider participates in the Tricare network. A quick phone call to the billing office or a visit to the Tricare provider directory can save you money down the road.
3. Don’t Be Afraid to Negotiate Medical Bills
Many veterans don’t realize that medical bills aren’t always set in stone.
If you’re faced with a large balance, contact the provider’s billing department and ask for a detailed review of the charges. You may be able to negotiate a discount, establish a payment plan, or identify billing errors that could reduce what you owe. It never hurts to ask, and in many cases, it can save you hundreds or even thousands of dollars.
4. Consider Supplemental Coverage
Supplemental insurance can help fill some of the gaps that Tricare doesn’t cover.
Depending on the policy, supplemental coverage may help offset large copays, accident-related expenses, hospital stays, or critical illness costs. For veterans and military families looking for additional financial protection, supplemental plans can provide added peace of mind when unexpected medical situations arise.
Protect Your Health and Your Finances
Healthcare costs can add up quickly, even with Tricare coverage. Taking the time to understand your benefits, use in-network providers, review medical bills, and explore supplemental coverage options can help you avoid unnecessary expenses and make the most of your healthcare benefits.
For more information, contact the VFW Member Benefits Department at 1-833-VFW-VETS (1-833-839-8387), Option 2.
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