Uniformed Services Benefit Association  
 
 
   
USBA TRICARE Insurance Plan
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USBA Tricare Standard/Extra Supplement Plan

USBA has two plans to Supplement TRICARE Standard and TRICARE Extra:


Consider USBA's High Option II Plan: It Pays...

You Pay:
  • The Tricare Standard/Extra Supplement plan’s fiscal year deductible of:
    •  $50 per person or $100 per family for E-4’s and below
    •  $150 per person or $300 per family for E-5’s and above
  • The TRICARE Standard/Extra Fiscal year outpatient deductible.


Consider USBA's Comprehensive Plan: It Pays...
  • Daily subsistence fee for inpatient care in military hospitals.
  • Your cost share for inpatient care in civilian hospitals.
  • Your cost share for outpatient care.
  • Reimburses up to the TRICARE Standard/Extra Outpatient deductible ($300 maximum per family). Reimbursement of the fiscal year outpatient deductible is made only if the deductible is incurred after the effective date of coverage. It will be pro-rated if you are insured less than a full year.
  • Plan has a new survivor benefit that pays the premium of the surviving spouse and covered dependents up to four years.
  • 100% of covered excess charges up to the reasonable and customary Community standard level.
  • Eligibility
  • Waiver of Premium for Surviving Spouse and Dependents
  • Effective Date
  • Renewability
  • Exclusions
  • Limitations
  • Pre-Existing Condition Limitations

You Pay:
  • The plan's fiscal year deductible of $75 per person or $150 per family.


BENEFITS SUMMARY CHART
See how our USBA TRICARE Supplement plans work with your TRICARE Standard/Extra coverage
Care Required TRICARE Standard/Extra Pays Your TRICARE Standard/Extra Supplement Pays
Inpatient care in civilian hospitals for RETIREES and dependent family members (room, board, supplies, and staff services billed by the hospital) The TRICARE Standard/DRG amount (contracted rate for TRICARE Extra) minus your cost share. Comprehensive Plan & High Option II Plan - The lesser of $512/day or 25% of billed amount, not to exceed the TRICARE Standard DRG amount (lesser of $250/day or 25% cost share** of the contracted rate for TRICARE Extra) PLUS 100% of covered excess charges up to the reasonable and customary community standard level (after you satisfy the fiscal year plan deductible.)
Inpatient care in civilian hospitals for RETIREES and dependent family members (doctors & other inpatient services not billed by the hospital) 75% of the TRICARE Standard allowed amount (80% for TRICARE Extra) for doctors and other professional services. Comprehensive Plan & High Option II Plan - Your cost share** PLUS 100% of covered excess charges up to the reasonable and customary community standard level.
Inpatient care in military hospitals All but the daily subsistence fee. All Plans - The daily subsistence fee.
Outpatient care for RETIREES and dependent family members (office visits, clinics, lab, prescription drugs, etc.) 75% of the TRICARE Standard allowed amount (80% for TRICARE Extra) after you pay the TRICARE outpatient deductible.

Comprehensive Plan – After you satisfy the fiscal year plan deductible of $75 per person, and $150 family maximum, the plan will reimburse you (1) the Tricare fiscal year outpatient deductible of $150 per person and $300 family maximum, *(2) your cost share** and (3) 100% of covered excess charges up to the reasonable and customary community standard level.

High Option II Plan - Your cost share** PLUS 100% of covered excess charges up to the reasonable and customary community standard level. AFTER you pay the fiscal year plan deductible of $150 per person $300 family maximum.*

Inpatient care in civilian hospitals for ACTIVE DUTY dependents All allowable charges except daily subsistence fee or $25, whichever is greater. Active Duty Plan - $25 or the daily subsistence fee, whichever is greater, PLUS 100% of covered excess charges up to the reasonable and customary community standard level.
Outpatient care for ACTIVE DUTY dependents (office visits, clinics, lab, prescription drugs, etc.)

80% of the TRICARE Standard Allowed amount (85% for TRICARE Extra) after you pay the TRICARE outpatient Deductible. Active Duty Plan - Your cost share** PLUS 100% of covered excess charges up to the reasonable and customary community standard level, AFTER you pay the Tricare Extra Standard Outpatient Deductible.


* Expenses incurred to satisfy the fiscal year Tricare Standard/Extra Outpatient Deductible cannot be used to satisfy the High Option II and Comprehensive Plan deductibles. Also, reimbursement toward the fiscal year Tricare Standard/Extra outpatient deductible under the Comprehensive Plan is made only if the deductible is incurred after the effective date of coverage. It will be prorated if you are insured less than a full year.

** Until the Tricare Cap is met.

Note: Inpatient and outpatient expenses can be used to satisfy the fiscal year plan deductible.

Select and Download the Plan Application that's right for you:

     Members of NGAUS or EANGUS
     Members of the National Guard not affiliated with NGAUS or EANGUS
     Members of the Reserve
     All Others

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USBA's TRICARE Supplement Plans are Underwritten By Harford Life Insurance Company. The Hartford is Hartford Financial Services Group, Inc and its subsidiaries, including the issuing company of Hartford Life Insurance Company.  

 
 
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