Filing Claims

In most cases, your provider will file your medical claims for you. You’ll receive an explanation of benefits that shows what TRICARE paid.

Sometimes, you’ll need to file your own claims. This may happen:

If you need to file a claim, send your claim form to TRICARE as soon as possible after you get care. 

  • In the U.S. and U.S. territories, you must file your claims within one year of service.
  • In all other overseas areas, you must file your claims within three years of service.

The sooner TRICARE gets your claim and other paperwork, the sooner you or your provider will be paid. TRICARE claims processors process most claims within 30 days. Check with your claims processor for more information.

  • TRICARE will reimburse you for TRICARE-covered services at the TRICARE-allowable charge. This amount won’t include any copayments, cost-shares, or deductibles.
  • There are special rules for filing claims if you’re involved in an accident with possible third-party liability.
  • If you need help filing a claim or if your claim is denied, contact your regional contractor.
  • For concerns regarding care received from a network provider, see File a Grievance. 

Types of Claims

There are different types of claims you can file:

Fraud Alert
TRICARE and its contractors will never call to ask for payment, your personal identifying information, or your health information. You should never share personal or financial information with someone you don’t know. You can also report any suspicious activity.

Last Updated 9/28/2026