Long Term Care

TRICARE doesn't cover long term care.

You can discuss exceptions or partial exceptions to the "no coverage" guidance with your regional contractor or case manager (if one is assigned).

TRICARE does cover other services you may need such as:

What is 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.

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 careNon-skilled, personal care for basic day-to-day tasks. This includes help with eating, dressing, getting in or out of a bed or chair, moving around, and using the bathroom.," long term care primarily involves assistance with daily living (walking, personal hygiene, dressing, etc.) or supervision of someone who is cognitively impaired.

What are my options for long term care?

You may qualify to purchase long term care insurance through commercial insurance programs or through the Federal Long Term Care Insurance Program (FLTCIP).

  • Eligible beneficiaries include active duty and National Guard members activatedCalled or ordered to active duty service for more than 30 days in a row. for more than 30 days, retired uniformed service members, and members of the Selected Reserve.
  • 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.

See Also:


This list of covered services is not all inclusive. TRICARE covers services that are medically necessaryTo be medically necessary means it is appropriate, reasonable, and adequate for your condition. and considered proven. There are special rules or limits on certain services, and some services are excluded.

Last Updated 6/28/2019