hi everyone and welcome to our short video today on tricare and other insurance um primary or secondary payer my name is instructor oliver and we are gonna review this topic um today so let's get started if an individual has tricare and other insurance who becomes the primary and who becomes the secondary payer so any health insurance that an individual has in addition to tricare is known by tricare as other health insurance so health insurance that they have in addition to tricare such as a medicare plan or an employer-sponsored health insurance some type of commercial insurance there are many different types of commercial insurances out on the market there is cigna and there is prudential and there are the blue crosses blue shields those would be other types of insurance tricare supplements don't qualify as other health insurance okay tricare supplements are not other health insurance if an individual has other health insurance it becomes their primary insurance and pays any claims before tricare does typically having other health insurance can affect an individual if they are a retired tricare beneficiary who also uses medicare or if um a spouse of an active duty beneficiary who also has coverage through their employer okay other health insurance never applies to active duty service members if an individual is on active duty then tricare is their only coverage okay um it's really important for these individuals to keep their other health insurance coverage updated with their physicians and specialists um and it's it's important for them to include it when it comes to their health care pharmacy dental and and all that good stuff try care for life contractors because it'll help with the coordination of benefits and it'll prevent claims from being delayed or denied when an individual has other health insurance and it is their primary insurance um it would process their health care claims before tricare this is when um the member or the doctor would file the claim with tricare pays after all other health insurances except for medicaid tricare supplements and the indian health services if the individual has medicare tricare pays after medicare and their other health insurance for tricare covered services if tricare receives the claim before the other health insurance processes it tricare will deny it if tricare pays first and later discovers that the individual had other health insurance tricare will take back any payments made and will reprocess the claim after the other health insurance has processed it okay if an individual loses their other health insurance tricare becomes their primary payer if they have tricare for life tricare becomes the second pair okay so doctors need to be informed of this if that is the case right um so let's move on to our next slide on this slide we're going to talk a little bit about other health insurance and prescription drug coverage so when an individual has other health insurance with pharmacy benefits their other health insurance pays first and tricare pays secondary they can save money by filling prescriptions at a tricare network pharmacy that their other health insurance also covers this concludes our video on tricare and other health insurance i hope you found the video to be informative thank you so much for joining and have a great day