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 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 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.

FlightCare Works for You
FlightCare pays more of your medical bills…for 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 exclusive Expense Guard benefit kicks in to help fill the gap 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:

"Msgt. Clifton Black" is retired military. He had surgery and spent 6 days in the hospital. The hospital is a TRICARE Standard provider and accepts TRICARE as payment in full. The hospital bill totaled $6,000. Msgt. Black and his wife have already met their $300 TRICARE Standard deductible and $250 FlightCare deductible this year.

His physician is not a participating TRICARE Standard provider and does not accept TRICARE as payment in full. The doctor's bill was $2,000. The TRICARE-allowable charge for his surgery was $1,500.*

* Some exclusions and limitations apply.

Your Acceptance is Guaranteed
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
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, and you continue to pay your premiums when due.

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

Your coverage can be sure 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.

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 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, or age 23 if full-time students. 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 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:
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 Conditions:
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 (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