Kara Sears
If you are on active duty for more than 30 days or are retired, you can apply for your mother-in-law to be added to your Tricare plan as a dependent. To do so, you must prove that you provide over 50% of her living expenses and that she is dependent on you. This can be done by providing various documents such as bank statements, lease agreements, or utility bills. Once approved, your mother-in-law can receive care at military hospitals and clinics and may be able to enroll in Tricare Plus, depending on availability. It is important to note that Tricare will not cover any off-base care or treatment from civilian providers for dependent parents and parents-in-law.
| Characteristics | Values |
|---|---|
| Can I add my mother-in-law to Tricare? | Yes, if she is a dependent. |
| Who is eligible to be a dependent? | Those who are dependent on the service member/sponsor for more than 50% of their living expenses. |
| What documentation is required? | Bank statements, lease agreements, utility bills, etc. |
| How often must dependency be proven? | Every year. |
| What is the process for enrolling a dependent? | Contact the DFAS Secondary Dependency Office, enroll using the Beneficiary Web Enrollment (BWE) tool, and register them in DEERS. |
| What is the eligibility of dependents for Tricare plans? | Eligible for Tricare Plus, care in military hospitals and clinics, and filling prescriptions at military pharmacies. |
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What You'll Learn
Adding a mother-in-law as a dependent
If you are on active duty for more than 30 days or are retired, you can apply to add your mother-in-law as a dependent to your Tricare plan. To do this, you must prove that you provide over 50% of her living expenses. This can be demonstrated by being on her lease, showing bank statements, or having her utilities under your name. Alternatively, your mother-in-law can live with you.
Tricare Plus is a program that allows dependent parents and parents-in-law to get care in military hospitals and clinics. Enrollment is based on space and resource availability, and registration at one hospital or clinic does not guarantee enrollment at another. Tricare Plus does not cover any off-base care.
Dependent parents and parents-in-law can fill prescriptions at military pharmacies. If they have Medicare Part A due to age and have Part B, they may get drugs at Tricare network pharmacies or through home delivery. Those who turned 65 before April 1, 2001, do not need to sign up for Medicare Part B.
To enroll your mother-in-law as a dependent in a Tricare health plan, you must first enroll her as a secondary dependent in DEERS. Then, you can use the Beneficiary Web Enrollment (BWE) tool to select a health plan. You can get help with enrollment and health plan questions from your Uniformed Service's Secondary Dependency office.
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Tricare Plus eligibility
If you are on active duty for more than 30 days or are retired, you can apply for your dependent parents and parents-in-law to enroll in Tricare Plus. To be eligible for Tricare Plus, you must not be enrolled in a Tricare Prime option, US Family Health Plan option, or a civilian or Medicare Health Maintenance Organization (HMO) plan. Tricare Plus enrollees can receive free primary care at their military hospital or clinic, but it does not cover specialty care.
To qualify as a dependent, your mother-in-law's income would have to be less than one-half of her living expenses, and you would have to provide more than 50% of her living expenses. You will need to provide documentation to prove this, such as bank statements or having her utilities in your name. You will also need to check with DEERS to see what documentation is needed to register your mother-in-law as a dependent.
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Tricare coverage for prescriptions
If you are on active duty for more than 30 days or are retired, you can apply to add your mother-in-law to your Tricare plan as a dependent. To do so, you must prove that you provide over 50% of her living expenses, for example, by being on her lease, showing bank statements, or having her utilities in your name. Alternatively, she can live with you. In addition, you will need to provide documentation to prove her living expenses and your contribution to them.
Tricare offers prescription drug coverage with most of its health plans. The TRICARE Formulary is a list of generic and brand-name prescription drugs that are covered. TRICARE covers most prescription drugs approved by the Food and Drug Administration (FDA). Prescription drugs may be covered under the pharmacy benefit or the medical benefit. Certain prescriptions require pre-authorization if they are specified by the DoD Pharmacy & Therapeutics Committee or are brand-name prescription drugs with a generic substitute. TRICARE does not cover drugs that are not medically or psychologically necessary for the diagnosis or treatment of a covered illness.
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Tricare Prime vs Tricare Standard
If you are on active duty for over 30 days or are retired, you can apply for your mother-in-law to be added to your Tricare plan. To do this, you must prove that you are providing over 50% of her living expenses. This can be done by being on her lease, showing bank statements, or having her utilities under your name. Alternatively, she can move in with you.
Once approved, your mother-in-law will only be eligible for Tricare Standard, not Tricare Prime. This means that you will have to pay for her coverage. She will also be able to fill prescriptions at military pharmacies and enroll in Tricare Plus, which allows her to receive care in military hospitals and clinics. However, this is based on space and resource availability, and enrollment in one hospital or clinic does not guarantee enrollment in another.
Now, to answer your question about Tricare Prime vs Tricare Standard. Tricare Prime is a plan that offers comprehensive coverage for individuals and families. It typically has lower out-of-pocket costs and provides access to a network of military and civilian providers. On the other hand, Tricare Standard is a fee-for-service plan with higher out-of-pocket costs. With Tricare Standard, your mother-in-law will have the freedom to choose any TRICARE-authorized provider and receive care without a referral.
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Tricare payment methods
If you are on active duty for more than 30 days or are retired, you can apply to add your mother-in-law to Tricare as a dependent. To do this, you must prove that you provide over 50% of her living expenses, for example, by being on her lease, showing bank statements, or having her utilities in your name. Alternatively, she can live with you. You will also need to check with DEERS to see what documentation is required to register your mother-in-law as a dependent.
Once you have enrolled your mother-in-law in Tricare, you can pay your fees online. You can set up automatic, recurring payments by electronic funds transfer (EFT), credit card, or debit card. You can also make a one-time payment by EFT or credit card. You can manage your payment options on the West Region beneficiary portal, which can be accessed on a desktop computer, laptop, or mobile app.
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Frequently asked questions
Yes, if your mother-in-law meets your Service's criteria to become your dependent, you can add her to Tricare.
To become your dependent, your mother-in-law's income would have to be less than half of her living expenses. You would also need to prove that you provide more than 50% of her living expenses.
To add your mother-in-law to Tricare, you need to enrol her as a secondary dependent. You can do this by using the Beneficiary Web Enrollment (BWE) tool, which will offer a choice of available plans.
