Tricare Prime Supplement Insurance
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The DoD's system is a good health plan, but TRICARE wasn't designed to cover everything. More and more, you're being asked to pay a greater share of your medical bills…hundreds, even thousands out of your own pocket.

That's why, since 1971, AFSA has been dedicated to providing a quality, affordable supplemental health plan to help you pay the medical expenses TRICARE doesn't fully cover.

We've negotiated the benefits to help stay ahead of today's changing health care needs, which gives us confidence FlightCare will be your plan of choice for years to come.

In addition, know that FlightCare is 100% endorsed by AFSA. AFSA won't endorse a plan unless it meets our strict standards. No other TRICARE Prime supplement insurance has this distinction!

Plan Highlights:

  • Pays your TRICARE Prime copayments for inpatient care, outpatient treatment, and prescription drugs
  • Guaranteed acceptance1 for retired AFSA members and families under age 65.
  • Gives you freedom of choice to see any TRICARE - authorized doctor you want
  • Affordable group rates for your entire family
  • Your coverage can be continued…regardless of the number of claims…up to age 65
  • Portable coverage that goes where you go
  • Includes a Surviving Dependents' benefit

1This policy is guaranteed acceptance, but it does contain a Pre-Existing Conditions limitation. Please refer to the Tell Me More tab for more information on exclusions and limitations, such as Pre-Existing Conditions.

TRICARE Form Series includes SRP-1269, or state equivalent.

Coverage may vary and is not available in AZ, ID, LA, MT, NM, OR, WA and WV.

FlightCare Works for You

Teamed with TRICARE Prime, FlightCare helps to cover your out-of-pocket costs. That's because FlightCare pays your copayments—including your prescription drug cost share—after you pay the TRICARE Prime deductible and $250 FlightCare deductible.

FlightCare doesn't cover service received under the TRICARE Prime Point-of-Service Option and the enrollment fee for retired members.

Your Acceptance is Guaranteed

As a retired AFSA member, you and your family members under age 65 are GUARANTEED ACCEPTANCE in FlightCare. However, insurance benefits payable are subject to your policy's pre-existing conditions limitation.

Termination

Your coverage will remain in effect as long as the Master Policy remains in force, you are an AFSA member, and you continue to pay your premiums when due. Your dependent's coverage will remain in effect as long as your coverage is active, premiums are paid, and they meet the eligibility requirements.

You Have Freedom of Choice

Working hand-in-hand with TRICARE, FlightCare gives you the freedom to use any TRICARE authorized doctor, hospital, or specialist you want—civilian or military.

You Pay Economical Group Rates

AFSA put the immense purchasing power of more than 115,000 members together to get you the most affordable rates possible. Compare FlightCare's rates to those of other associations. You'd be hard-pressed to find a comparable TRICARE Prime Supplement with economical rates like these:

Monthly Group Rates*
Retired Members
Age Member/Spouse
Under 40 $13.77
40-44 $14.95
45-49 $18.35
50-54 $22.37
55-59 $24.67
60-64 $26.37
Each Child** $10.32

* You'll be billed four times a year. If applicable, an additional $2.00 billing fee will be included on your billing notice payable to the administrator. To save the fee, select Electronic Funds Transfer (EFT) as a safe and secure payment option. Rates are based on the attained age of the Insured Person and increase as you enter each new age category.  Rates and/or benefits may be changed on a class basis. Rates will not be changed unless they are changed for all insureds in your classification.
** Children under age 21 are eligible (up to age 23 if full-time student) or 26 if covered under TRICARE Young Adult.

Your Coverage Can Be Secure to Age 65

AFSA gives you added security with FlightCare. Regardless of how many claims you make, FlightCare can cover you until age 65. Once you reach age 65, you're eligible to receive full TRICARE For Life benefits. Plus, your rates won't be increased because of the number of claims you make or changes in your health. Your rates can only increase if they're increased for all members in your classification.

This Plan Can Help Your Family if Something Happens to You

With FlightCare's valuable Widow's and Dependents' benefit, your spouse and children can continue their FlightCare protection AT NO COST for five years or to age 65 (whichever comes first). In order for your spouse to take advantage of this benefit he or she must join AFSA, have coverage for at least six months prior to your death, and remain unmarried.

Your FlightCare Protection Goes Where You Go

When you say "Yes" to FlightCare, you can rest assured your protection can stay with you wherever you go. Even if you change jobs or move, you can keep your FlightCare protection. (Unlike employer-provided plans that end when you leave your job.)

Your Satisfaction is Guaranteed

Your satisfaction with AFSA FlightCare is 100% guaranteed. Once you receive your Certificate of Insurance, take a FULL 30 days to look it over. Make sure it meets all your expectations. If you decide to keep FlightCare, simply mail in your premium. But if FlightCare isn't right for you, just mail the Certificate back to us. That will end it—no questions asked, no obligation.

Effective date

Your coverage will become effective on the first day of the month following the date we receive your Enrollment Form.

AFSA FlightCare Provides Exceptional Service 

If you've ever tried to call a government office or TRICARE, then you know how difficult it is to get through, let alone get answers to your questions. But with FlightCare, if you have a question, you can simply call our TOLL FREE hotline at 1-800-882-5541 or e-mail us: afsa.service@mercer.com. Your questions will be answered by an AFSA FlightCare benefit specialist who understands your plan inside and out. You'll get fast, courteous service and accurate answers.

Plan Details
Type of Insurance  FlightCare TRICARE Prime Supplement 
Designed For  Guaranteed acceptance1 for retired AFSA members and families under age 65. 
Underwritten By  Hartford Life Insurance Company & Hartford Life and Accident Insurance Company  
Form Number  TRICARE Form Series includes SRP-1269, or state equivalent
Group Policy Number  AGP-5189  

Other Important FlightCare Information


Exclusions and Limitations

The Policy does not cover Injury or Sickness resulting from war or act of war, whether war is declared or undeclared; intentionally self-inflicted Injury; suicide, attempted suicide, whether sane or insane (in Missouri, while sane); routine physical exams and immunizations, except when: a)rendered to a child up to 6 years from his or her birth; or b) ordered by a Uniformed Service: (1) for a Covered Spouse or Child of an Active Duty Member; (2) for such spouse or child's travel out of the United States due to the Member's assignment;  domiciliary or custodial care; eye refractions and routine eye exams except when rendered to a child up to 6 years from his or her birth; eyeglasses and contact lenses; prosthetic devices, except those covered by TRICARE; cosmetic procedures, except those resulting from a covered Sickness or Injury; hearing aids; orthopedic footwear; care for the mentally incapacitated or physically handicapped if: a) the care is required because of the mental incapacitation or physical handicap; or b) the care is received by an Active Duty Member's child who is covered by the "Program for the Handicapped" under TRICARE; drugs which do not require a prescription, except insulin; dental care unless such care is covered by TRICARE, and then only to the extent that TRICARE covers such care; any Confinement, service, or supply that is not covered under TRICARE; Hospital nursery charges for a well newborn, except as specifically provided under TRICARE; any routine newborn care except Well Baby Care, as defined, for a child up to 6 years from his or her birth; expenses in excess of the TRICARE Cap; expenses which are paid in full by TRICARE; any expenses or portion thereof which is in excess of the Legal Limit; any expense or portion thereof applied to the TRICARE Outpatient Deductible; treatment for the prevention or cure of alcoholism or drug addiction except as specifically provided under TRICARE and this policy; and any part of a covered expense which your are not legally obligated to pay because of payment by a TRICARE alternative program.

Pre-Existing Condition Limitation

Any condition for which you received medical treatment, consultation or expense during the 12 months preceding your effective date of coverage will not be covered until 12 months during which you were treatment-free for that condition. You are immediately eligible for benefits for conditions which required no medical treatment, consultation or advice during the 12-month period preceding enrollment. (In California, pre-existing conditions are not covered for conditions for which medical advice or treatment was received or recommended within six months prior to the effective date of this coverage. This exclusion will end once you have been covered for six months.) If any person to be covered is hospital-confined on the date coverage becomes effective, coverage for that person will be deferred until the first day of the month following a period of 30 consecutive days after final discharge from the hospital.

This website explains the general purpose of the insurance described, but in no way changes or affects the Policy as actually issued.  Group Policy AGP-5189 [TRICARE Form Series includes SRP-1269, or state equivalent] is issued in Washington, D.C., and is subject to its laws.  In the event of a discrepancy between this website and the policy, the terms of the policy apply.

All benefits are subject to the terms and conditions of the policy.  Policies underwritten by Hartford Life and Accident Insurance Company and Hartford Life Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued.  Complete details are in the Certificate of Insurance issued to the Insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Plan underwritten by Hartford Life and Accident Insurance Company and Hartford Life Insurance Company, Hartford, CT 06155 and administered by Mercer Consumer, a service of Mercer Health & Benefits Insurance Services LLC, 12421 Meredith Drive, Urbandale, IA 50398. For questions, please call 1-800-882-5541, or e-mail us at afsa.service@mercer.com.

Answers about the plan, including eligibility, options, enrollment, customer service and more.

Spouse and dependent coverage is available for active duty and retired members. A surviving spouse can maintain coverage under most of the plans.
Premium contributions for both the member and spouse are based on the member's age at last birthday. Premium may be periodically increased on Plans to reflect plan utilization and help ensure their financial stability.
Benefits start on the first of the month after receipt of your Enrollment Form and first premium payment. If you or a covered dependent are confined in a Hospital on the date you are to be covered under the Policy, your coverage will become effective the first day after being discharged.
The insurance companies reserve the right to change rates. They usually report "plan experience" (premiums collected and claims and expenses paid) twice a year and, if applicable, rate action recommendations. Using this information, the program Administrator works with AFSA to evaluate the recommendations and decide what, if any, action (i.e., a rate action, a change in benefits, or even a change in insurance companies) is appropriate to maintain the Plan's financial stability. AFSA ultimately approves any such action, and insured members are informed of their decision, prior to implementation.

There are a variety of reasons for this situation to occur. The product may be prohibited in that state. The insurance carrier may be unable to or choose not to do business in that state. The group policyholder's product, as designed, may not be permitted in that state.

TRICARE Form Series includes SRP - 1269, or state equivalent

We're here to help! Please contact us in whatever manner is most convenient for you.

Administered by:

Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398

Phone: 1-800-882-5541

(Mon-Fri 7:30 a.m. to 5:00 p.m. and Sat-Sun 8:00 a.m. to 5:00 p.m., Central)

Email: afsa.service@mercer.com

Underwritten by:

Hartford Life Insurance Company and Hartford Life and Accident Insurance Company
One Hartford Plaza
Hartford, CT 06155
Website: http://www.mercer-web.com/products/thehartford.html

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