I have lived in Thailand for the past 15plus years. Came in 2005 went out once in 2006 and since I have not left the country. I am a retired 22 years USAF person. I do not have any VA qualified issues so I cannot use FMP. I have been using Tricare Overseas Program all these years. Since 2016 wehn I had neck and tongue cancer Tricare has saved me from going broke as it is my only insurance to cover me. Tricare requires that a retired military person belongs to Medicare and pays the costs of Medicare to be able to use Tricare Overseas.
A person like me can go to any hospital or doctor and get treatment here but the invoice must be paid up front and then the member must file a claim for reimbursement at a rate of 75% for covered treatments and 25% copay. When the max out of pocket is reached before the end of a calendar year Tricare will pay back 100% of an invoice. Back 15 years ago several hospitals would agree to accept a person as an IPD patient and that hospital would accept 25 % paid up front and they would agree to file a claim direct to Tricare for the 75%. To date I am not sure how many hospitals will agree to this payment process any longer as there were to many people trying to game the system and the hospitals got burned so they stopped doing the 25/75 deal for IPD patients. As far as I know BPH is the only one that contiues to allow this payment deal. I have used that at least 4 times now. BNH did have the plan but since Covid they stopped as it was too much work for them to file the claims to Tricare and wait 3 or 4 months for the money. Bangkok Med Center had the plan a long time ago and got burned very bad and now they hear the word Tricare and will not even talk about using IPD scheme.
Anyone with Tricare Overseas or other Tricare cover can use a hospital or doctor here in Thailand and file a claim for OPD services and get reimbursed the 75% of the invoice with the proper paperwork sent to Tricare. So far this I have filed at least 20 claims and been paid for all at the 75% return. I have reached my max cap so now all claims till Dec 31 are paid at 100 %.
Hope his helps some and I did not confuse too many folks. But as said before any VFW post service officer can help you they do not require a person be a Post member to get help