Stop Copay Overpay Act

This bill caps TRICARE copayments for mental and behavioral health outpatient visits at the same level as primary care visits, applying to all TRICARE beneficiaries (including service members, retirees, and families) regardless of their status. It also temporarily freezes copayment increases for other specialty care services (excluding mental health) at 2021 levels for one year after enactment. The Secretary of Defense must submit a report within one year on the policy’s effects and recommendations to prevent future copayment hikes. The law directly affects military healthcare costs for beneficiaries seeking mental health care under TRICARE.