Does Tricare Cover Auto Accident Injuries?

Does Tricare Cover Auto Accident Injuries?

TRICARE covers your medical care, but you might owe some money depending on the situation.

You’ll need to pay any copays or cost-sharing for covered services.

Also, TRICARE won’t cover anything not in their plan.

But if someone else caused your accident, TRICARE can get reimbursed for your treatment costs.

An image illustrating if Tricare Covers Auto Accident Injuries
Does Tricare Cover Auto Accident Injuries
Source: (Freepik)

TRICARE and Car Accidents: What You Need to Know

  • TRICARE pays for your medical bills, but they can get reimbursed if someone else caused your accident. This is thanks to a law.
  • Hospitals can’t refuse to bill TRICARE for car accident injuries.
  • If TRICARE pays for your care, you may need to fill out a form to help them get reimbursed.
  • TRICARE still charges copays and deductibles, even for car accidents.
  • TRICARE isn’t your main source of car accident compensation. They will eventually seek repayment from any settlement you receive.
  • A lawyer can help navigate car accident claims and deal with TRICARE.
  • Lawyers can’t take their fees from the money TRICARE gets reimbursed.

Unsure if TRICARE covers something? Check before you go!

TRICARE offers several resources to help you understand what’s covered and how much it might cost.

There are online tools and handbooks you can use, or you can always contact your doctor or TRICARE directly.

Generally, TRICARE covers medically necessary services.

This means the treatment must be proven to be effective and appropriate for your condition.

Use TRICARE’s online tools:

  • What’s Covered: Search a database by keyword or category to see if a service is covered.
  • TRICARE Choices Handbook: Get details on coverage and costs for each plan (US or Overseas).

Dental and Pharmacy Coverage:

  • Dental coverage depends on your situation (active duty has different options).
  • For pharmacy coverage, including which drugs are covered, visit TRICARE’s pharmacy website or formulary list.

Do I Need Uninsured Motorist Coverage if I Have TRICARE?

Consider adding uninsured motorist coverage to your car insurance even if you have TRICARE.

While TRICARE covers medical bills from car accidents, they likely won’t cover repairs to your car.

Uninsured motorist coverage protects you financially if the person who caused the accident has no insurance.

An image illustration of Tricare Covering Auto Accident Injuries
Tricare Covering Auto Accident Injuries
Source: (Freepik)


TRICARE will cover your medical bills from a car accident, but it’s important to understand some limitations.

You’ll still be responsible for copays and deductibles, and TRICARE may seek reimbursement if you receive a settlement from the at-fault party’s insurance.

More importantly, TRICARE won’t cover any damage to your car.

Therefore, considering adding uninsured motorist coverage to your car insurance can provide valuable financial protection in case of an accident.


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