TRICARE Supplements
  • Overview
  • Tell Me More
  • Rates
  • Contacts

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

AFA offers supplement coverage to TRICARE SELECT, 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 on the Tell Me More tab.

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.

TRICARE Form Series includes Form GBD-3000 (2017); Form GBD-3100 (2017) or state equivalent.

This website 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 website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

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 Supplement Plans: Without Point of Service and With Point of Service
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.

Termination
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.

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.

Exclusions

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
The Policy limits coverage for:
  1. routine physical exams and immunizations, except when:
    a. rendered to a child up to 6 years from the child’s birth; or
    b. ordered by a Uniformed Service:
    • i. for a Covered Dependent of an Active Duty Member;
    • ii. for such Dependent’s travel out of the United States due to your assignment; or
    c. required for school enrollment (but not sports physicals) by a Covered Child aged 6 through 11;
  2. domiciliary or custodial care;
  3. eye refractions and routine eye exams except when rendered to a child up to 6 years from the child’s birth;
  4. eyeglasses and contact lenses;
  5. prosthetic devices, except those covered by TRICARE;
  6. cosmetic procedures, except those resulting from Sickness or Injury, while a Covered Person;
  7. hearing aids;
  8. orthopedic footwear;
  9. care for the mentally or physically incapacitated if:
    a. the care is required because of the mental or physical incapacitation;
    b. or the care is received by an Active Duty Member’s child who is covered by the TRICARE Extended Care Health Option (ECHO);
  10. drugs which do not require a prescription, except insulin;
  11. dental care unless such care is covered by TRICARE, and then only to the extent that TRICARE covers such care;
  12. any confinement, service, or supply that is not covered under TRICARE;
  13. Hospital nursery charges for a well newborn, except as specifically provided under TRICARE;
  14. any routine newborn care except Well Baby Care;
  15. any expense or portion thereof which is in excess of the Legal Limit;
  16. expenses in excess of the TRICARE Catastrophic Cap;
  17. that part of any Covered Expense which is in excess of the TRICARE Allowed Amount, except as otherwise stated in the plan benefits
  18. expenses which are paid in full by TRICARE;
  19. any expense or portion thereof applied to the TRICARE Outpatient Deductible;
  20. treatment for the prevention or cure of alcoholism or drug addiction, except as specifically provided under TRICARE and The Policy;
  21. nursing services, unless it is for the nurse’s full-time service while the Covered Person is an Inpatient in a Hospital;
  22. any part of a Covered Expense which the Covered Person is not legally obligated to pay because of payment by a TRICARE alternative program; any claim under more than one of the TRICARE Supplement Plans. If a claim is payable under more than one plan or benefit, payment will only be made under the provision that provides the highest coverage.

  23. This program is not available in all states.

    TRICARE Form Series includes Form GBD-3000 (2017); Form GBD-3100 (2017) or state equivalent.

    This website 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 website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

AFA TRICARE Supplement Rates.


AFA TRICARE Select Supplement Plan
Monthly Rates
Age – Retiree or Spouse
High Option Plan
Under 40
$27.12
40-44
$29.18
45-49
$32.62
50-54
$41.20
55-59
$51.84
60-64
$57.34
Each Child of Retiree**
$21.63
Active Duty Family Supplement Plan Rates
Spouse of Active Duty Member
$8.24
Each Child of Active Duty Member**
$7.21
Retired High Option Plan Deductible: $250 Individual/$500 Family
Active Duty Family Supplement Plan Deductible: $0

TRICARE Prime Supplement Plan
Monthly Rates
Age of Retiree, Spouse,
Widow/er
WithOUT Point of Service
With Point of Service
Under 40
$14.08
$16.48
40-44
$14.76
$17.51
45-49
$17.51
$20.94
50-54
$21.63
$26.78
55-59
$26.44
$32.62
60-64
$29.87
$37.42
Each Child of Retiree**
$12.70
$15.45
WithOUT Point of Service Plan Deductible: $0
With Point of Service Plan Deductible: $0

TRICARE Reserve Select Supplement Plan
Monthly Rates
Age
Under Age 65
Member
$8.24
Under Age 65
Spouse
$8.24
Each Child**
$7.21
TRICARE Reserve Select Supplement Plan Deductible: $0

You will be billed quarterly.

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

NOTE: You will be billed quarterly. To calculate premiums quarterly, semi-annually or annually, just multiply your monthly premium by 3, 6 or 12 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.

**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 incapacitation 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.

TRICARE Form Series includes Form GBD-3000 (2017); Form GBD-3100 (2017) or state equivalent.

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
(Monday-Friday 7:00 am to 5:00 pm and Saturday 8:00 am to 1:00 pm, Central)
Email: AFA.service@mercer.com

Underwritten by:

Hartford Life and Accident Insurance Company, One Hartford Plaza, Hartford, CT 06155

TRICARE Form Series includes Form GBD-3000 (2017); Form GBD-3100 (2017) or state equivalent.

Print a Free Information packet


TRICARE Select

Enrollment Form & Brochure


TRICARE Prime

Enrollment Form & Brochure


TRICARE Reserve Select

Enrollment Form & Brochure


HIPAA Privacy Notice

HIPAA Privacy Notice

Our Role & Compensation

Details of Mercer disclosure of the compensation.

Read More