Q. Does TRICARE cover long term care?
A. TRICARE does not have a long term care benefit. You may need to look at purchasing long term care insurance coverage for assistance with long term care costs. TRICARE, like Medicare, is designed to cover medical care for illnesses or injuries, such as cancer, a broken arm, or a stroke. For example, it will pay the hospital bills you incur for a stroke. It won’t pay for long-term assistance with activities of daily living, such as dressing, eating, or using the bathroom. For information on long term care coverage, contact commercial companies that provide long term care benefits. The Office of Personnel Management provides long term care coverage through the Federal Long Term Care Insurance Program (FLTCIP). Many TRICARE beneficiaries may be eligible to participate in the FLTCIP. For more information, please call 1-800-LTC-FEDS (1-800-582-3337).
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