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TRICARE Supplements
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For military retirees under age 65 and their dependents and dependents of active duty military personnel.

AFA offers supplement coverage to TRICARE STANDARD, TRICARE RESERVE SELECT and, TRICARE PRIME

You Are Guaranteed Acceptance*

Through AFA, members are guaranteed acceptance* for the TRICARE supplemental coverage. Members cannot be denied coverage based on age or health as long as the member is eligible for TRICARE benefits.

*Pre-existing health conditions may not be covered initially. Please refer to the Pre-existing Conditions explanation below for details.

Competitively Priced Family Coverage

Adding TRICARE Supplement with your existing TRICARE coverage gets you and your family great health insurance at competitive group rates.

Goes With You Anywhere

AFA's TRICARE Supplement is completely portable; it goes with you when you travel or change jobs. It is the ideal choice for you if you are self-employed or if your employer does not offer insurance.

AT# 1676600

Underwritten by Transamerica Premier Life Insurance Company (TPLIC) Cedar Rapids, IA and for NY residents, Transamerica Financial Life Insurance Company (TFLIC) Harrison NY. TFLIC is authorized to conduct business in New York. TPLIC and TLIC are authorized to conduct business in all other states.

*Provided you are an eligible TRICARE recipient, under age 65 and enttled to retired, retainer, or equivalent pay.

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DirectClaim: AFA's electronic filing process for TRICARE Supplement insurance claims

Filing most TRICARE Supplement claims is fast and easy with DirectClaim, another unique advantage to this TRICARE Supplement. With DirectClaim, you will not have to complete TRICARE Supplement claim paperwork after you access most of your eligible TRICARE benefits. You will be informed when your claim is filed electronically by a message on your TRICARE Supplement Explanation of Benefits (EOB) form.

Please be aware that some TRICARE Supplement claims cannot be processed electronically, such as any prescription claims and most Skilled Nursing or Skilled Nursing Facility, nursing home claims and claims filed from overseas. For these, you will need to submit paper claim filings to Mercer Consumer. Claim forms are accessible on the right-hand side of the page.

If a claim for service is submitted through DirectClaim and TRICARE has paid the provider(s) directly, any payment due under a TRICARE Standard Supplement will be paid directly to the provider(s). Under TRICARE Prime, most network providers require the patient's $12 co-pay at the time of the office visit, so the TRICARE Prime Supplement reimbursement of those Prime outpatient co-pays will be sent directly to the member. Only the Prime $12 co-pay for office visits will be reimbursed to the member. All other Prime co-pays will be reimbursed to the provider.

It's important to note that in order to ensure proper claim processing through the DirectClaim process, the TRICARE Supplement applicant’s/insured’s name must be provided exactly as it is on their military ID card. Social Security number is also required for this process.  You may provide this information by calling the AFA Insurance Plans Administrator at 1-800-291-8480.

If you have any questions about DirectClaim, please call the AFA Insurance Plans Administrator at 1-800-291-8480 or email afa.service@mercer.com.

Exclusions and Limitations Apply To Your TRICARE Supplement Coverage

Who Is Eligible for Coverage?

Active Duty Family Plan
Your spouse (under age 65) and unmarried dependent children under age 21 (age 23 if a full-time student) are eligible for coverage. All family members must be covered by TRICARE.

TRICARE Reserve Select Supplement Plan
You, your spouse (under age 65) and unmarried dependent children under age 21 (age 23 if a full-time student) are eligible for coverage. All family members must be covered by TRICARE Reserve Select and cannot be eligible for Federal Employees Health Benefits Program (FEHBP) or currently covered under FEHBP.

Retiree Plans
You, your spouse (under age 65) and unmarried dependent children under age 21 (age 23 if a full-time student) are eligible for coverage. All family members must be covered by TRICARE.

TRICARE Prime A and B Supplement Plans
You, your spouse (under age 65) and unmarried dependent children under age 21 (age 23, if a full-time student) are eligible for coverage. All family members must be covered by TRICARE.

When Does Coverage Start And End?

Effective Date of Coverage
Your coverage will become effective on the first day of the month following the date your enrollment form is received. If you are confined in a hospital on the date you are to become covered under the policy, your coverage will be deferred until the first day after you are discharged.

Renewability
Your coverage will remain in effect as long as you continue to pay your premiums when due, the group policy remains in force, and you remain eligible for coverage. Your coverage ends when you become eligible for Medicare, or you reach age 65 (unless you are not eligible for Medicare).

Extension of Benefits for Total Disability

If a covered person is Totally Disabled on the date his or her coverage ends, TRICARE supplement coverage will extend inpatient benefits until the date he or she is no longer Totally Disabled; or 90 days from the date his or her Inpatient Benefit ended, whichever is the first to occur. Outpatient Benefits under the Plan will continue up to 90 days from the date of termination. The continuation will only apply to expenses incurred for the injury or sickness that caused the total disability.

Click here to view what is covered.

Pre-Existing Conditions Limitation

Any injury or sickness, whether diagnosed or undiagnosed for which any person proposed for coverage has received medical treatment or care within 6 months immediately preceding their effective date will not be covered (a) until that person has not received medical treatment or care for that condition during a period of 6 consecutive months (ending any time on or after the covered person’s effective date) or (b) until the coverage has been in effect for 6 months. New conditions will be covered immediately.

Nervous, Mental, Emotional Disorder, Alcoholism and Drug Addiction Limits

The coverage provided under the Inpatient Benefit of the TRICARE Supplement Plan for nervous, mental and emotional disorders, including alcoholism and drug addiction, is limited to:

a. 30 Inpatient treatment days for Covered Person age 19 or older; or

b. 45 Inpatient treatment days for a Covered Person under age 19; per Fiscal Year.

This Inpatient limit is based on the number of days TRICARE normally provides each Fiscal Year for such confinements.

In rare instances, TRICARE extends these daily limits. If this occurs, we will limit the number of days that we provide for such confinement to the lesser of:
a. the number of days TRICARE pays for such Inpatient treatment during the Fiscal Year; or
b. 90 Inpatient days per Fiscal Year.

The coverage provided under the Outpatient Benefit of the TRICARE Supplement Plan for:
a. nervous, mental, and emotional disorders; and
b. alcoholism and drug addiction;

is limited to $500 during any Fiscal Year for all such disorders.

Exclusions - For residents of all states except NY

NY residents please download Application & Brochure for detailed plan exclusions and limitations.

The Policy does not cover:
  1. injury or sickness resulting from war or act of war, whether war is declared or undeclared;
  2. intentionally self inflicted injury;
  3. suicide or attempted suicide, whether sane or insane (in Colorado and Missouri while sane);
  4. routine physical exams and immunizations, except when:
  5. a. rendered to a child up to 6 years from his or her birth; or
    b. ordered by a Uniformed Service:
    1. for a Covered Spouse or Child of an Active Duty Member;
    2. for such spouse or child's travel out of the United States due to the Member's assignment;
  6. domiciliary or custodial care;
  7. eye refractions and routine eye exams except when rendered to a child up to 6 years from the child's birth;
  8. eyeglasses and contact lenses;
  9. prosthetic devices, except those covered by TRICARE;
  10. cosmetic procedures, except those resulting from Sickness or Injury while a Covered Person;
  11. hearing aids;
  12. orthopedic footwear;
  13. care for the mentally incapacitated or physically handicapped if:
  14. a. the care is required because of the mental incapacitation or physical handicap; or
    b. the care is received by an Active Duty Member's child who is covered by the "Program for the Handicapped" under TRICARE;
  15. drugs which do not require a prescription, except insulin;
  16. dental care unless such care is covered by TRICARE, and then only to the extent that TRICARE covers such care;
  17. any confinement, service, or supply that is not covered under TRICARE;
  18. Hospital nursery charges for a well newborn, except as specifically provided under TRICARE;
  19. any routine newborn care except Well Baby Care, as defined, for a child up to 6 years from his or her birth;
  20. expenses in excess of the TRICARE Cap;
  21. expenses which are paid in full by TRICARE;
  22. any expense or portion thereof applied to the TRICARE Outpatient Deductible;
  23. that part of any Covered Excess Charges except as otherwise stated in the Supplement Benefits;
  24. treatment for the prevention or cure of alcoholism or drug addiction except as specifically provided under TRICARE and the Policy;
  25. any part of a covered expense which the Covered Person is not legally obligated to pay because of payment by a TRICARE alternative program; and
  26. any claim under more than one of the TRICARE Supplement Plans, or under more than one Inpatient Benefit or more than one Outpatient Benefit of the TRICARE Supplement Plans. If a claim is payable under more than one of the stated Plans or Benefits, payment will only be made under the one that provides the highest coverage, subject to the Pre Existing Condition Limitation.

This material explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this brochure and the contract, the terms of the contract apply. Complete details are in the Certificate of Insurance issued to each insured individual.

This program is not available in all states.

Underwritten by Transamerica Premier Life Insurance Company (TPLIC) Cedar Rapids, IA and for NY residents, Transamerica Financial Life Insurance Company (TFLIC) Harrison NY. TFLIC is authorized to conduct business in New York. TPLIC and TLIC are authorized to conduct business in all other states.

Policy Form Number: MZ0925796H0000A, MZ0925796H0001A (NY)

AT# 1676600

How to Apply

  1. Download and print the Enrollment Form for this plan.
  2. Send the completed Enrollment and initial payment to:

Mercer Consumer
AFA Plan Administrator
P.O. Box 14464
Des Moines, IA 50306

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AFA TRICARE Supplement Rates.


AFA TRICARE Standard/Extra Supplemental Plan
Competitive Rates
High Option Plan
Age – Retiree or Spouse
Quarterly Premium Rates
Under 40
$79.00
40-44
$85.00
45-49
$95.00
50-54
$120.00
55-59
$151.00
60-64
$167.00
Each Child of Retiree**
$63.00
Active Duty Family Supplement Plan Rates
Spouse of Active Duty Member
$24.00
Each Child of Active Duty Member**
$21.00

TRICARE Prime Supplement Plan
Competitive Quarterly Rates
Plan A
Plan B
Age of Retiree, Spouse,
Widow/er
Under 40
$41.00
$48.00
40-44
$43.00
$51.00
45-49
$51.00
$61.00
50-54
$63.00
$78.00
55-59
$77.00
$95.00
60-64
$87.00
$109.00
Each Child of Retiree**
$37.00
$45.00

TRICARE Reserve Select Supplement Plan
Competitive Rates
Age
Monthly
Quarterly
Under Age 65
Member
$8.00
$24.00
Under Age 65
Spouse
$8.00
$24.00
Each Child**
$7.00
$21.00

Rates are based on attained age on the premium due date of each covered person.

NOTE: To pay premiums on a semi-annual or annual basis, multiply your quarterly premium by 2 or 4 respectively.

Premiums shown are Per Person – Premiums increase based on your effective date of coverage and as you move from one age bracket to another. The insurance company reserves the right to change benefits or premiums on a group wide basis. Rates and/or benefits may be changed on a class basis. Rates are based on the attained age of the Insured Person.

Change of Policy Premiums (NY only): We have the right on each Premium Due Date to change the rate at which further premiums will be calculated. This includes the right to change premium rates for a benefit that applies to all individuals of the same class, age, plan and effective date. Rates may be changed based on claims experience of this Policy. We will give the Policyholder or Organization notice of any change at least 45 days before the Premium Due Date on which it is to become effective.

**Newborn children not named in your enrollment form are automatically covered from birth for injury or sickness, including treatment of congenital defects and birth abnormalities, for 31 days. You must notify the Plan Administrator in writing and pay the additional premium due within 31 days of birth for coverage to continue beyond this period. Insured children who are incapable of self-sustaining employment because of mental retardation or physical disability - and who are unmarried and chiefly dependent on the insured member for support and maintenance - may continue coverage past policy age limits, with requested proof. Otherwise, each dependent child's insurance terminates on the premium due date following the date he or she is no longer a dependent.

AT# 1676600

Underwritten by Transamerica Premier Life Insurance Company (TPLIC) Cedar Rapids, IA and for NY residents, Transamerica Financial Life Insurance Company (TFLIC) Harrison NY. TFLIC is authorized to conduct business in New York. TPLIC and TLIC are authorized to conduct business in all other states.

AFA.RT

We're here to help! Please contact us in whatever manner is most convenient for you.

Administered by:

Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
Phone: 1-800-291-8480
(Mon-Fri 7:00 am to 5:00 pm and Sat-Sun 8:00 am to 5:00 pm, Central)
Email: AFA.service@mercer.com

Underwritten by:

Underwritten by Transamerica Premier Life Insurance Company (TPLIC) Cedar Rapids, IA and for NY residents, Transamerica Financial Life Insurance Company (TFLIC) Harrison NY. TFLIC is authorized to conduct business in New York. TPLIC and TLIC are authorized to conduct business in all other states.

AFA.CON

Print a Free Information packet


TRICARE Standard

Application & Brochure
Not available in ME, NH, NM, NV, OR, WA


NY Residents Application & Brochure


TRICARE Prime

Application & Brochure
Not available in ME, NH, NM, NV, OR, WA


NY Residents Application & Brochure


TRICARE Reserve Select

Application & Brochure
Not available in ME, NH, NM, NV, OR, WA


NY Residents Application & Brochure


Print a Claim Form

Our Role & Compensation

Details of Mercer disclosure of the compensation.

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