Tricare Standard 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 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 Standard supplement has this distinction!

Plan Highlights

  • Helps pays the difference between your actual covered medical bills and what TRICARE Standard pays
  • Guaranteed acceptance1 for 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 cannot be canceled—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.

SRP-1269 ASN (5189)

Coverage may vary and may not be available in all states.

FlightCare Works for You

FlightCare pays more of your medical bills…for covered doctor visits, lab tests, prescription drugs, outpatient expenses, hospital stays, and mental health care…by taking care of 100% of the copayments TRICARE Standard leaves you to pay … after you meet the $300 TRICARE deductible and $250 FlightCare deductible. This means that if your health care providers accept the TRICARE assignment of charges, you will pay NO MEDICAL EXPENSES.*

However, some civilian doctors, hospitals, and specialists DO NOT accept the TRICARE assignment of charges, leaving you to pay the difference out of your own pocket. This is where FlightCare's benefit kicks in to help fill the difference between your eligible medical bills and what TRICARE Standard covers — by paying 80% of the difference as long as the TRICARE and FlightCare deductibles are met. Remember, doctors and medical providers are prohibited from charging you more than 115% of the amount TRICARE allows.

Whether you see a civilian or military doctor, FlightCare can help.

Here's an example of how FlightCare can pay you:

  • $6,000 Hospital bill for surgery (hospital is a participating TRICARE Standard Provider and accepts TRICARE as payment in full).
  • $2,000 Physician bill (physician is not a participating TRICARE Standard Provider and does not accept TRICARE as payment in full).
  • $1,500* Surgery bill (the TRICARE-allowable charge).
  • $300 TRICARE Standard Deductible already met for the year.
  • $250 FlightCare deductible already met for the year.
  Total Bill TRICARE Pays What You Pay Without FlightCare What You Pay With FightCare
Hospital $6,000 $4,500
(75% of bill)
(25% of bill)
(FlightCare pays 100% of remaining bill when TRICARE accepts the authorized provider.)
Physician $2,000 $1,500 $500 $100
(FlightCare's Expense Guard pays 80% of excess charge when provider is not authorized by TRICARE)
Surgery $1,500 $1,125
(75% of TRICARE allowable)
$375 $0
(FlightCare pays 100% of allowable charges)
TOTAL $9,500 $7,125 $2,375 $100

* Some exclusions and limitations apply.

Your Acceptance is Guaranteed

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.


Dependents’ coverage ceases when your coverage terminates; premiums are not paid; or they cease to be eligible dependents. Your coverage will remain in effect as long as the Master Policy remains in force; you are an AFSA member; you continue to pay your premiums when due; the first premium due date on or next following the date you become eligible for Medicare; the first premium due date on or next following the date you attain age 65, unless you have a Notice of Disallowance for Benefits under Medicare Part A from the Social Security Administration; if covered under the Emergency Supplement, the first premium due date on or next following the date you no longer reside within the Catchment Area of a Service Hospital.

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 paired with TRICARE to those of other associations or to civilian employer plans. You'd be hard-pressed to find a comparable TRICARE Standard Supplement with economical rates like these:

Monthly Group Rates*
Retired Members
Age Member/Spouse Each Child
Under 45 $30.62 $29.58
45-49 $39.94  
50-54 $50.29  
55-59 $64.03  
60-64 $71.00  
Monthly Group Rates*
Active Duty Members
Age Spouse Each Child
Under 65 $9.45 $5.30

* 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.  AFSA Retired TRICARE Plan deductibles are $250/member; $500/family.

You can continue your coverage 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 age group.

This Plan can help your Family if Something Happens to You

With FlightCare's exclusive 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 FlightCare protection begins on the first day of the month after your enrollment form and first premium are received, as long as you’re an AFSA member in good standing. If on that date you are confined in a hospital, your coverage will become effective on the first day after your discharge.

Family Coverage

You can enroll all or part of your family. Your unmarried children can qualify for coverage up to age 21 (up to age 23 if full-time student) or 26 if covered under TRICARE Young Adult. Your spouse is also guaranteed coverage if not legally divorced or separated from you.

Nervous, Mental, Emotional Disorder, Alcoholism, and Drug Addiction Limitations

Your coverage provided under the inpatient benefits of the TRICARE supplement for nervous, mental and emotional disorders, including alcoholism and drug addiction, is limited to: 60 inpatient treatment days for a covered person per fiscal year. Outpatient benefits for such disorders are limited to $500 during any period of 12 consecutive months.

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: 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 Standard Supplement 
Designed For  AFSA members and their family members under age 65 are GUARANTEED ACCEPTANCE* in FlightCare 
Underwritten By  Hartford Life and Accident Insurance Company and Hartford Life Insurance Company
Form Number  SRP-1269 ASN (5189) 
Group Policy Number  AGP-5189  

*This 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.

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 or 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 Persons with Disabilities” 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 you are not legally obligated to pay because of payment by a TRICARE alternative program.

Pre-Existing Condition Limitation:

During the first two years of coverage, losses incurred for Pre-Existing Conditions are not covered. A Pre-Existing Condition means any injury or sickness including pregnancy; diagnosed or undiagnosed, for which you have received medical care within the 12-month period prior to your coverage effective date or the date of an increase in coverage. During that time, benefits for all other accidents or illnesses will be paid under the policy provisions. You are urged to consider this limitation before dropping any coverage you may have until the waiting period is over. You and your dependents will not be subject to this waiting period if you join FlightCare within 63 days of your discharge from active duty.

(For members residing in CA: a pre-existing condition is any condition that required medical treatment, consultation or expense during the six months immediately before your effective date of insurance. This exclusion will end on the date you have been insured under the group policy for six consecutive months).

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 [Policy Form #SRP-1269 ASN (5189)] 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, Simsbury, CT 06089 and administered by Mercer Consumer, a service of Mercer Health & Benefits Administration LLC; 12421 Meredith Drive, Urbandale, IA 50398. For questions, please call 1-800-882-5541, or e-mail us at

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.
Rates are usually 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.

SRP-1269 ASN (5189)

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

7:30 a.m. - 5:00 p.m. M-F (Central)


Underwritten by:

Hartford Life and Accident Insurance Company & Hartford Life Insurance Company
One Hartford Plaza
Hartford, CT 06155


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