Tricare Scams Abound – Be Careful

Hand holding cash.

It seems that there has been a significant increase in scammers who are targeting military families who use Tricare health insurance.  These scammers use telephone contact to try to learn important personal information that they can use to commit fraud.

Where they are getting this information isn’t known, but there has been at least one contractor data breach recently.  In February,  Anthem Blue Cross/Blue Shield reported that they were the target of an external cyber-attack. At the time the attack was reported, it was unknown who has been impacted or what information has been compromised. I haven’t heard any updates on the situation since the original reports.  According to the information released, current and former members affected would be notified directly by Anthem and offered credit monitoring and identity protection services free of charge.

Fraud attempts can come in a variety of formats, but this is a common general scenario: You receive a telephone call from an unusual telephone number, and the caller claims to be from Tricare.  The caller asks for identifying information to verify that you are the right person with whom to talk. Sometimes they say it is about Tricare in general, sometimes they say it is about a prescription issue.  The callers often have enough information to make it seem as if the call is legitimate, such as your address or your doctor’s name.  Reports are that the callers often have a significant accent to their speech.

If you are ever contacted by someone saying that they are from Tricare, be appropriately suspicious. If they ask you to provide any personally identifying information, do not cooperate. Tricare representatives will never ask for your social security number or any other important information.  Once you are off the phone, report the contact to the Military Health System at

It really concerns me that these fraudsters have somehow gathered enough information to be able to target military folks and provide information that makes it seem as if they are really calling from Tricare.  I don’t know what hope we have for stopping this, but reporting the fraud is certainly better than doing nothing.

Be safe, folks – there are some not nice people out there!

About the Author

Kate Horrell
Kate Horrell is a military financial coach, mom of four teens, and Navy spouse. She has a background in taxes and mortgage banking, and a trove of experience helping other military families with their money. Follow her on twitter @realKateHorrell.
  • Chris

    I recently ran across another variant of this scam. It was on Craigslist under Gigs in the Hampton Roads area. They were offering money ($100 I think) to give them TRICARE data, specifically account number.

  • Theresa

    I am retired and I love express scripts. They are really great for 90 day scripts ( cheaper). If I get a script that is for a month or less I go to my local pharmacy. It’s really great to pay for 90 days rather than the same amount monthly.They can put your script on automatic refill if you like so you don’t have to ask for a refill each time. They can even keep your payment info on file and automatically withdraw it from your account. I don’t like that part because I work on a budget so I call in my payment. You can also pay by check. They do keep track on who is giving you what on the formulary. If it is free at the base pharmacy then get it there, if it’s not in the formulary get it from either your local pharmacy or express scripts. Express scripts will also contact the doctor if all your refills has expired or you ran out of refills. Good luck.

  • Joe G

    there has been a lot of confliction about who gets paid for doctors visits Medicare is the primary and Tri care for life is secondso if anybody say’s you have to pay a co payment or any fees don’t pay anything that’s why social security takes it out each month it covers your Medicare ,when the doctor submits the claim it goes to medicare and whats left over goes to tricare for life we owe nobody anything except for origional prescriptions which is what it cost ……..16.00 if you wan’t it .