Proactive Early Cancer Detection Covered by TRICARE©: What to Know About the Galleri® Test

Early cancer detection is crucial, and now many military families, retirees, and their loved ones have this option—and it’s covered by TRICARE.

The Galleri^® test from GRAIL is a simple blood test that looks for signals associated with multiple cancer types. With one draw, it can screen for more than 50 different cancers, often before symptoms appear¹. It doesn’t replace routine screenings such as mammograms or colonoscopies, but it may help identify cancers that currently have no standard screening methods².

For TRICARE-eligible beneficiaries, this new coverage creates an opportunity to explore an additional layer of preventive care. And as part of our ongoing commitment to support the health and readiness of those who serve, The Uniformed Services Benefit Association^® (USBA^®) wants Members to be aware of the tools and benefits available to help safeguard their well-being.

What the Galleri test does

Galleri is known as a multi-cancer early detection (MCED) test. It works by analyzing small DNA fragments in the bloodstream. Some of those fragments carry patterns, or “methylation signals,” that indicate the presence of cancer³.

If a cancer signal is detected, the results also predict the most likely origin of where the signal originated, helping doctors focus follow-up testing. The Galleri test is not diagnostic; any positive result must be confirmed by additional procedures, such as imaging or biopsy. The Galleri test could give healthcare providers a place to start earlier.

Who may qualify for coverage?

In 2024, TRICARE began covering the Galleri test for eligible beneficiaries when ordered by a licensed healthcare provider. Coverage may differ slightly by region and contractor, and prior authorization is usually required.

You may qualify if you:

• Are age 50 or older and have elevated cancer risk factors
• Have a provider who determines the test is medically appropriate

Because this is a new benefit, beneficiaries should confirm eligibility and any cost-sharing requirements directly with their regional TRICARE contractor or healthcare provider before scheduling the test.

Why early detection matters

Cancer outcomes can improve dramatically when the disease is detected early. The National Cancer Institute reports that five-year survival rates for many cancers exceed 90% when found at Stage I⁴. However, cancers such as pancreatic, ovarian, and liver often remain undetected until much later because they lack standard screening tools⁵.

The Galleri test aims to close that gap by providing an additional way to look for early cancer signals, especially for individuals with elevated risk factors or a family history of cancer.

What to ask your doctor

If you’re interested in the Galleri test, start the conversation with your primary care provider or military treatment facility. Consider asking:

• Am I eligible for the Galleri test under my TRICARE plan?
• What steps are required for authorization?

Your provider can determine if the test fits your health profile and help coordinate next steps.

Staying informed about your options

Medical research continues to evolve, and new tools like Galleri show how science is changing the way cancer is detected and treated. As coverage expands and evidence grows, staying aware of these developments can help you make informed choices about your health.

At USBA, we believe supporting your health means more than offering insurance protection. It also means sharing credible, helpful information that helps you care for yourself and your family. Proactive healthcare decisions today can make a lasting difference in tomorrow’s security—for you and those you protect.