Medical Care for Reservists
Bein, Denise E., Army Reserve Magazine
Knowing what to do in advance saves time, grief later
If a soldier gets hurt or becomes ill while performing IDT (Drill) or Annual Training, do you know who is going to pay for the medical care? Unless your unit trains on an active duty installation with a Military Medical Treatment Facility (MTF), or Troop Medical Clinic (TMC) or has medical support for the Annual Training site, chances are the soldier will be seeing a civilian provider.
When properly authorized, most care will be covered under the Tricare Supplemental Health Care Program. The Supplemental Health Care for soldiers remotely located from a MTF or TMC requires coordination with the unit, the Military Medical Support Office (MMSO), and the TRICARE Contractor to ensure medical claims are paid. Care by a civilian provider does not have to turn into a financial nightmare for the individual soldier. In order to make sure that the provider gets paid, there are a few easy steps that the unit leadership team can take.
In an emergency situation, the soldier should be directed to the nearest civilian or military hospital with an emergency room. It is easy for the paperwork to get overlooked, but not necessary.
Before training begins, the commander or first sergeant may want to create a few "triage" kits to have on hand for situations when soldiers may need medical care during training. These kits should consist of a two-- pocket folder filled with a locally created instruction sheet and MMSO RC Medical Cover Sheet (checklist), DA 2173 for determination of Line of Duty Status, DD Form 2527 for Third Party Liability recoupment action. The Third Party Liability form is only required when the soldier was injured by a third party (i.e. a POV causes an accident with a government vehicle, a soldier is injured in a POV accident with another POV while traveling to or from military duty, etc). If a third party causes the soldier's injury, the third party's automobile insurance will be billed for recoupment of the soldier's medical care by the TRICARE Contractor.
It is important to understand that the unit claim payment will not be delayed if the TRICARE Contractor is awaiting information for third party liability recoupment action. TRICARE is first payer if the soldier is covered by private health insurance. Do not submit TPL form (DD2527) for the soldier's private health insurance. The Reserve Component Cover Sheet, forms, and more detailed information for submitting medical claims are at the MMSO website: