Starting Dec. 1, 2016, TRICARE has excluded CVS pharmacies from their retail pharmacy network, including the USAA Pharmacy. If you use TRICARE and fill a prescription drug at CVS pharmacies (including the USAA Pharmacy), you will pay the full retail price for your drugs.
If you have questions about your TRICARE pharmacy benefit or you need help transferring your prescription drugs, please visit express-scripts.com/TRICARE or call 1-855-778-1417.
Comparing your TRICARE plan with the USAA plan options can be difficult, in part because there are 15 TRICARE plan choices. Some examples of these include: TRICARE Prime, TRICARE Prime Reserve Select, TRICARE Retired Reserve, TRICARE For Life, etc.
As a starting point, visit the TRICARE home page (http://www.tricare.mil/) and locate the “I Want to...” blue arrow on the left-hand side of the page. Find and click on the “Compare Plans” link.
Once you are on the “Compare Plans” page, you can identify and select your TRICARE plan option. The link will take you to a page that provides an overview of the plan you have selected, and includes, as examples, such information as:
Use your TRICARE plan summary information from the above process as the basis for making a comparison with USAA plans. This can be done, at a high level, by comparing the benefit information provided in your 2019 Annual Enrollment Guide with the TRICARE plan summary information.
If you need information about your TRICARE plan, you can contact TRICARE directly. Within the U.S., TRICARE customer service is organized by Region, as follows:
Health Net Federal Services, LLC
Humana Military, a division of Humana Government Business
UnitedHealthcare Military & Veterans
You are ineligible to open or contribute to an HSA if you are covered by TRICARE, Medicare, or another health plan that is not HSA-qualified. This is because TRICARE does not qualify as a High Deductible Health Plan (HDHP).
However, you can elect the USAA medical coverage that is provided under the HSA Plan Option. Even with the inability to contribute to the Heath Savings Account, the HSA Plan Option could be the right choice of medical coverage for you. Note that the ALEX tool does not assume a contribution to an HSA when making its recommendation.
TRICARE beneficiaries can also participate in the PCA Plan Option. Further, TRICARE beneficiaries can also enroll in a Health Care Flexible Spending Account (FSA).
Review ConnectYourCare’s HSA-PCA guide book for additional details about how the HSA and PCA Plan Options work, as well as for information on Health Care Flexible Spending Accounts (HCFSAs).
The HSA is an individual account you establish for you and, if applicable, your family. Accordingly, you need to monitor your eligibility to make HSA contributions. USAA does not have the ability to monitor your eligibility in this regard. If you mistakenly make an HSA contribution during a period of ineligibility, you will need to contact CYC to remove the excess funds (and any earnings) by the tax filing deadline. Failure to do so may result in tax penalties. Contact CYC directly at 1-855-687-2134 (24 hours a day / 7 days a week) with your questions.
Yes, if you have dental or vision coverage. You may elect to contribute to the FSA during Annual Enrollment, and CYC will administer this account. For more details on the FSA, please review the Annual Enrollment Guide, the HSA-PCA guide book, or contact CYC directly at 1 (855) 687-2134 (24 hours a day / 7 days a week) with your questions.
No, full time active employees may decline coverage in 2019 and remain eligible for USAA coverage under either plan option in the future, subject to meeting the Medical Program’s eligibility requirements.
Individuals receiving a VA disability benefit are entitled to enroll in an HDHP and establish an HSA. Prior federal law disqualified veterans from making HSA contributions for any month that they received any VA benefits at any time during the previous three months, but The Surface Transportation and Veterans Health Care Choice Improvement Act, gives veterans the option to make pre-tax HSA contributions while they receive hospital care or medical services for a service-connected disability.
Please know that everyone who meets the Medical Program’s eligibility requirements may elect USAA coverage even if they are covered by another plan, subject to the Medical Program’s coordination of benefits provisions.
The Surface Transportation and Veterans Health Care Choice Improvement Act did not change IRS rules applicable to those covered by TRICARE. Thus, if you have TRICARE, you cannot contribute funds to an HSA. Even with the inability to contribute to an HSA, the HSA Plan Option could, in certain circumstances, be the right choice of medical coverage for you. The ALEX tool does not assume a contribution to an HSA when making its recommendation.
The short answer is YES; however, the amount that TRICARE will pay/reimburse is not guaranteed. The long answer is that the USAA Clinic is a non-network facility. TRICARE patients, who use non-network providers, like the USAA on-site clinic, may pay a larger share of the TRICARE maximum allowable charge and will need to file their own claims. Ask the Clinic for an itemized receipt that you can submit to TRICARE.
There is no guarantee that your claim will be covered; however, for the best possible outcome, always contact your Primary Care Manager (PCM) before using the clinic.
Once the necessary paperwork is received by TRICARE, they will determine coverage.
Yes. When you check out, tell them you will need an itemized receipt to submit to TRICARE.
Yes, there is no cost for labs drawn at the onsite clinic. Your lab results will be reported directly back to your ordering provider.
Yes. As with all patients that visit the clinic, payment is due at time of service. The clinic accepts MasterCard, Visa, Discover, and Diners credit cards.
No. Everyone pays $48 for clinic services. TRICARE will reimburse per their fee schedule.
TRICARE has no guaranteed processing time, but typically reimbursement, if any, should be received within 30 days.
You may contact TRICARE directly at 1-800-444-5445 or you may contact the Practice Administrator for the clinic at 210-498-1385.
Questions about your benefits? Visit the Contact Us page for contact information on each vendor.