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 necessary to 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, you know you can count on FlightCare because it's 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 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.

FlightCare Works for You
Teamed with TRICARE Prime, FlightCare virtually eliminates 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.  This means that although you will not be asked to take a medical exam or answer medical questions at the time of enrollment, 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
Choosing AFSA FlightCare means you won't be forced to select your health care providers from a list. Working hand-in-hand with TRICARE, FlightCare gives you the freedom to use any doctor, hospital, or specialist you want—civilian or military. This isn't the case with HMOs or many employer plans, where your choice of doctors is restricted. If your family doctor isn't on their list, you're forced to find a new one or pay more of the bill yourself.

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 or to civilian employer plans. You'd be hard-pressed to find a comparable TRICARE Prime Supplement with budget-conscious rates like these:

* You'll be billed four times a year. All billing modes except annual will include a $2.00 billing fee. 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 (23 if full-time student).

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.

Your Family is Taken Care of 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). All we ask is that your spouse 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 the Best Service Available
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@marshpm.com. Your questions will be answered by an AFSA FlightCare benefit expert who understands your plan inside and out. You'll get fast, courteous service and accurate answers.

Other Important FlightCare Information

Exclusions and Limitations
These TRICARE Prime Supplement benefits do not cover injury or sickness resulting from declared or undeclared war, or any act of war; suicide, attempted suicide, or intentionally self-inflicted injury, while sane or insane; routine physical examinations (except annual mammograms and pap smears to the extent covered by TRICARE, routine or well baby care, and immunizations, except that these services are covered when rendered to a Child who is less than two years of age); domiciliary or custodial care; dental care (except that it is covered when it is necessary to treat another non-dental injury or sickness); hospital nursery charges for a well newborn; treatment for the prevention or cure of alcoholism or drug addiction; eye refractions, routine eye examinations, eyeglasses and contact lenses (except for surgically implanted lenses, as approved by TRICARE, for cataract surgery); prosthesis (except that artificial limbs and eyes, and devices which must be implanted by surgery are covered); hearing aids; orthopedic footwear; care for the mentally disabled or physically handicapped which is required due to the mental disability or physical handicap; nursing service, unless it is the full-time service of a registered graduate nurse (R.N.) or licensed practical nurse (L.P.N.) who is not a member of the Covered Person's family; purchase of a wheel chair, hospital-type bed, iron lung or other durable equipment (but the rental of such equipment is covered); drugs that do not require a prescription (except that insulin is covered); ambulance service in excess of 100 miles. Benefits for inpatient treatment of nervous, mental and emotional disorders are limited to 60 days, and outpatient treatment is limited to 20 physician visits during any period of 12 consecutive months (up to maximum of $500). If a covered person becomes entitled to TRICARE Prime Supplement benefits when he is not actually covered by TRICARE, our payment will not exceed the amount that would have been paid if he had been so covered.

Skilled Nursing Facility and Hospital does not mean: a place for rest, custodial care, or the aged; or a place for the treatment of mental disease, drug addicts or alcoholics.

Pre-existing conditions
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 24 months of continuous FlightCare coverage or after 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 [Policy Form #SRP-1269 (HLA)(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 the Hartford Life and Accident 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, Simsbury, CT 06089 and administered by Marsh Affinity U.S. Consumer, a service of Seabury & Smith, 12421 Meredith Drive, Urbandale, IA 50398. For questions, please call 1-800-882-5541, or e-mail us at AFSA@marshpm.com.

AR Ins. Lic. #245544

CA Ins. Lic. #0633005

d/b/a in CA Seabury & Smith Insurance Program Management