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30-Day Unconditional Promise:
Upon approval of your Application, you’ll be
issued a Certificate of Insurance. If you are
not completely satisfied with the provisions
of your Certificate, you can return it within 30
days, without claim, for a prompt, full refund. Important
Plan Information |
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Introduction |
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If you are an eligible TRICARE beneficiary, you may be eligible to consider a TRICARE Supplement. USBA understands how confusing the health care choices are today for military families and retirees. We also understand how important choosing the right health care supplement is … because your family will still have medical expenses even after TRICARE pays. And even though your costs may be small, in many cases they can be huge.
So why choose USBA’s TRICARE Standard/Extra Supplement Plan?
- Guaranteed Acceptance (subject to pre-existing condition limitation)
- 30-Day Satisfaction Guarantee
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No Medical Exam Required
- Your Choice of 2 Specially-designed Plans to Custom Fit Your Needs
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Priced to Fit Your Budget As Well As Your Needs
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Retirees and Spouses Get the Same Rates
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Smokers Pay the Same Price As Non-smokers
Attention “Gray Area Reservists and Survivors”, effective September 1, 2010, TRICARE has a new health benefit program for Retired National Guard and Reservists who are under the age of 60, not qualified for non-regular retirement and not eligible for, or enrolled in, the Federal Employees Health Benefits (FEHB) program. You now have the option to purchase the TRICARE Retired Reserve (TRR) health benefits plan. If you are enrolled in TRR you are eligible to enroll in our High Option II Supplement Plan.
Before you begin the application process, be sure to review the USBA TRICARE Standard/Extra Supplement Plan Features, Benefits Summary, FAQs and Rates.
If you have questions, please don’t hesitate to call one of our highly-trained TRICARE specialists at (877) 297-9235.
NOTE: Do Not Request MEDICARE SUPPLEMENT Information. Coverage is currently not available in Maine, Montana, Nevada, New Hampshire, Vermont and Washington.
ASI, the plan administrator of the TRICARE Supplement Plan, is exercising its contractual right to change the plan underwriter effective October 1, 2010. The plan underwriter will be changed from Hartford Life and Accident Insurance Company to Monumental Life Insurance Company and Transamerica Financial Life Insurance Company (NY residents only).
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FAQs |
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Q1. |
Is there a maximum limit on benefits (lifetime, annual, etc.)? |
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A1. |
When the TRICARE cap of $3,000 is met, TRICARE will pay 100% of covered medical expenses. The supplement pays nothing. However, the supplement will pay 100% of covered excess charges over the cap. Additionally, Inpatient treatment for mental, nervous or emotional disorders in excess of 45 days if under age 19, or 30 days if age 19 or older, is limited to 90 days (if approved by TRICARE) in a calendar year. Outpatient benefits for mental, nervous or emotional disorders, drug addiction or alcoholism are limited to a maximum of $500 in a 12 month period. | |
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Q2. |
Will the plan cover amounts beyond what TRICARE allows? |
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A2. |
The Plan will pay 100% of covered excess charges up to the legal limit. | |
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Q3. |
Does the plan pay for services that aren’t covered by TRICARE? |
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A3. |
No. | |
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Q4. |
Will the plan pay the TRICARE outpatient deductible? |
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A4. |
The High Option II plan has a fiscal year Plan deductible of $250 per person and $500 family maximum. | |
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Q5. |
How will the plan require premium payments? |
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A5. |
Premiums may be paid monthly by deduction from checking account (EZ-PAY) or direct bill - quarterly, semi-annually or annually. Credit cards may not be used to pay premiums. | |
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Q6. |
Will the plan cover the TRICARE Prime enrollment fees or co-payments? |
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A6. |
No, as we no longer offer a Prime Supplement. | |
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Q7. |
Does the plan convert to a Medicare Supplement? If so, must it be in force as a TRICARE supplement for any specified length of time before conversion? |
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A7. |
No, the plan does not convert to a Medicare Supplement Plan. At age 65, TRICARE FOR LIFE kicks in and benefits are paid between TRICARE and Medicare (providing the individual has Part B of Medicare.) |
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Q8. |
Will the plan cover you overseas? |
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A8. |
Yes. TRICARE coverage is worldwide. If TRICARE pays for covered medical expenses overseas, the plan will pay its contractual benefit.
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Q9. |
Can premium payments be increased? Under what conditions? |
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A9. |
Premiums increase as a person moves from one 5-year age bracket to another (40, 45, 50, 55, 60). The company reserves the right to change premiums on a group wide basis to maintain the financial solvency of the plan.
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Q10. |
What are the membership fees (annual, lifetime, etc.), if any, when you join the organization that sponsors the plan? |
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A10. |
USBA has no membership fees.
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Q11. |
Does the plan cover the service member when he/she retires? |
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A11. |
Yes. If the member enrolls within 63 days from the time he/she retires from the military, providing his dependents had already enrolled in our TRICARE Supplement Plan, the retiree will not be subject to the Pre-Existing Condition provision. If the retiree waits beyond the 63 day period, he/she is subject to the Pre-Existing Condition clause.
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Q12. |
If you’re retired military and have a health care plan (which pays before TRICARE) through a civilian job, do you still need a TRICARE supplement if, between them, your employer’s plan and the TRICARE health care option you’ve chosen will pay most or all of your civilian medical bills? |
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A12. |
No.
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Still have questions?
Call our trained service representatives at (877) 297-9235 between 8:00am and 4:30pm (CST), Monday through Friday and they’ll be happy to help you!
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