What is a consequence of using non-network providers under TRICARE?

Using non-network providers under TRICARE indeed requires beneficiaries to file for reimbursement after payment. This is a critical aspect of the TRICARE program when engaging with providers who are not part of the established network. When beneficiaries opt for non-network care, they often pay upfront for the services received and then must submit a claim to TRICARE for possible reimbursement. This process typically involves providing the necessary documentation to show what services were rendered and the associated costs.

In contrast, using network providers generally allows for streamlined care where TRICARE handles the billing directly, minimizing the beneficiary's out-of-pocket expenses at the time of service. By requiring the filing of claims for non-network services, TRICARE maintains control over the reimbursement process and ensures that services rendered meet the necessary criteria before reimbursement is approved. This reinforces the program's design to encourage the use of network providers, where care is coordinated and costs are often lower.