Lesson 9 of 15
Using civilian providers
Last reviewed: January 2026· Next scheduled review: January 2027
Quick answer
Any U.S. doctor or hospital that accepts Medicare assignment will work for you. TFL has no network. Use Medicare.gov's Care Compare tool to find providers, confirm they accept Medicare assignment, and present both your Medicare card and Uniformed Services ID at every visit.
Key takeaways
- Look for providers who accept Medicare *assignment* — they bill Medicare and accept the approved amount.
- TFL has no network and no referrals.
- Use the official Medicare.gov Care Compare tool to find doctors and hospitals.
- Bring both ID cards to every appointment.
Detailed explanation
Three provider categories under Medicare
- Participating providers — accept Medicare assignment, bill directly. Best choice.
- Non-participating providers — accept Medicare but can charge up to 15% above the approved amount (the "limiting charge"). Slight extra cost.
- Opt-out providers — have formally opted out of Medicare. Medicare pays nothing; TFL pays very little; you owe the full bill.
Always ask up front: "Do you accept Medicare assignment?"
Finding providers
The Care Compare tool at Medicare.gov is the official directory. You can search by ZIP, specialty, and provider name, then verify acceptance.
Frequently asked questions
Do I need a referral to see a specialist?
No. Original Medicare + TFL does not require referrals.
Official government resources
Official Medicare and TRICARE publications are the definitive source. This page is an independent educational summary; always confirm specifics against the resources above.