Is It Covered?

Search the A-Z list for a list of covered services. Your coverage and out-of-pocket costs may vary based on who you are and your health plan option.

Long Term Care

Long term care is often used as an umbrella phrase to refer to all kinds of assistance to the aging, the elderly, or the disabled, whether that care is given in a patient's home or in a nursing home. This is an understandable, and common, mistake.

True long-term care includes a wide range of support services for patients with a degenerative condition, prolonged illness or cognitive disorder. Also known as "custodial care", long-term care primarily involves assistance with daily living (walking, personal hygiene, dressing, etc.) or supervision of someone who is cognitively impaired.

TRICARE does not cover long-term care.  Exceptions or partial exceptions to the "no coverage" guidance should be discussed, on a case-by-case basis, with your regional contractor or case manager (if one is assigned).

You may purchase long-term care insurance through commercial insurance programs or through the Federal Long Term Care Insurance Program (FLTCIP). About 20 million people are eligible to apply for FLTCIP, including all active duty and National Guard members activated for more than 30 days, retired uniformed service members, and members of the Selected Reserve.

FLTCIP eligibility and enrollment requirements are complex. Not everyone who applies for this insurance will be approved for it.  For complete details, please visit the FLTCIP website.

TRICARE does cover other services such as skilled nursing care, durable medical equipment, home health care or hospice care.


This A-Z list of topics is not all inclusive. TRICARE covers most inpatient and outpatient care that is medically necessary and considered proven. However, there are special rules or limits on certain types of care, while other types of care are not covered at all.

Last Updated 12/16/2013