If you move to Cambodia, you can still get care for VA-rated service-connected disabilities through the VA Foreign Medical Program. If you also have TRICARE, it may help pay for a wider range of medical care. Medicare usually does not pay for care in Cambodia, but keeping Medicare Part B may be necessary if you use TRICARE For Life.[va][newsroom.tricare][medicare]
The VA Foreign Medical Program, or FMP, helps eligible veterans who live or travel outside the United States.
FMP can pay for medically needed care for:
Before you move, contact FMP and ask for your benefits letter. It lists the disabilities that FMP can cover. You may see a licensed doctor, clinic, or hospital in Cambodia. In many cases, you pay the bill first and then file a claim with FMP. Keep your medical records, itemized bills, and proof of payment.[va][va][va]
FMP is not full health insurance. It usually will not pay for care that is unrelated to your service-connected disabilities.[va][benefits.va]
TRICARE may fill an important gap. It can cover a broader range of medically necessary care than FMP, depending on your plan and eligibility.
Retired service members and eligible family members may qualify for TRICARE Select Overseas. If you have TRICARE For Life, it may also cover approved care overseas. In Cambodia, you may need to pay the provider first and submit a claim for reimbursement.[myarmybenefits.us.army][newsroom.tricare][newsroom.tricare]
Before you leave the United States:
Medicare usually does not pay for doctor visits, hospital care, prescriptions, or routine emergencies in Cambodia. Its foreign-care exceptions are very limited and normally do not apply to someone who lives there.[medicare][medicare]
If you have TRICARE For Life, do not drop Medicare Part B without getting advice from TRICARE. In most cases, you must keep Part B and continue paying its premium to keep TRICARE For Life. While you are in Cambodia, TRICARE For Life is normally the main payer for covered TRICARE care because Medicare does not pay overseas.[newsroom.tricare][newsroom.tricare][osan.tricare]
| Need | Main program to check | |
|---|---|---|
| Care for a service-connected disability | VA Foreign Medical Program | |
| Care for other covered medical problems | TRICARE Overseas or TRICARE For Life | |
| Routine care in Cambodia through Medicare | Medicare usually does not pay | |
| Care when back in the United States | Medicare and TRICARE, if eligible | |
| Medical care not covered by VA or TRICARE | Private insurance or self-pay |
Do not send the same bill to VA and TRICARE without first asking which program should pay. Keep copies of every bill, receipt, test result, and treatment record.[newsroom.tricare][newsroom.tricare]
The most important point is simple: FMP can help with service-connected disabilities; TRICARE may provide broader care; and Medicare usually will not pay in Cambodia. Contact the VA and TRICARE before moving so you know what your own benefits cover.[va][newsroom.tricare][medicare]