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Liability coverage is often the most relevant when it comes to own fault accidents. If you are at fault in an accident, your liability insurance will cover the other party's medical expenses, property damage, and related costs. However, this coverage does not pay for damages to your own vehicle. This is where collision coverage becomes important.

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• Coverage may also exclude treatments deemed non-essential or purely cosmetic in nature. For example, routine adjustments without a documented medical need may not be approved under most Tricare plans unless they are part of an ongoing therapeutic regimen prescribed by a physician. Members should carefully review their plan documents to understand these limitations and avoid unexpected out-of-pocket expenses.

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