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Network providers may only bill TRICARE beneficiaries for applicable deductible, copayment, or cost-share amounts, but may not bill for charges that exceed contractually allowed payment rates. Because network providers have contractually agreed to adhere to these provisions, TRICARE beneficiaries will be referred first to a network provider.
Non-network providers who do accept assignment (participating providers) are limited to collecting the TRICARE allowable charge. If the billed charge is less than the allowable charge, the billed charge becomes the allowable charge. This only applies to services covered by TRICARE.
When providers do not accept assignment on a claim, non-network providers may collect applicable deductibles and/or cost-shares and any outstanding amounts up to 15 percent above the TRICARE allowable charge (shown on the remittance advice) from a TRICARE beneficiary. If the billed charge is less than the TRICARE allowable charge, the billed charge becomes the billable amount to the beneficiary. TRICARE discourages military families from using non-network non-participating providers.
This applies only to services covered by TRICARE. TRICARE’s balance-billing limit also applies when other health insurance (OHI) is involved. Providers are limited to collecting the amount described previously. Generally, the OHI payment, when combined with TRICARE’s payment, represents the total amount a provider can bill.
Non-compliance with these balance-billing requirements by any TRICARE provider may affect that provider’s TRICARE and/or Medicare status. Visit the TRICARE Web site for additional information on this topic.
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