TRICARE 101 | TRICARE (2024)

What is TRICARE?

TRICARE is the uniformed services health care program for active duty service members (ADSMs), active duty family members (ADFMs), National Guard and Reserve members and their family members, retirees and retiree family members, survivors, and certain former spouses worldwide.

TRICARE brings together the health care resources of the Military Health System—such as military hospitals and clinics—with a network of civilian health care professionals, institutions, pharmacies, and suppliers to foster, protect, sustain, and restore health for those entrusted to their care.

TRICARE 101 | TRICARE (1)

Your service personnel office determines your TRICARE eligibility. Those eligible for TRICARE include:

  • Active duty service members and families
  • National Guard/Reserve members and families
  • Retired service members and families
  • Retired Reserve members and families
  • Beneficiaries eligible for TRICARE and Medicare
  • Survivors
  • Children
  • Former spouses
  • Medal of Honor recipients and families
  • Dependent parents and parents-in-law
  • Foreign Force members and families

To check your eligibility, first make sure your information isfully updated in DEERS. Then, you can log intomilConnectand check whether you are eligible for TRICARE.>>Learn more

Where can I get care?

The Military Health System (MHS) is a global, comprehensive, integrated system. You may be able to get care from a military hospital or clinic, a civilian network of providers, or TRICARE-authorized non-network providers.

Military Hospitals and Clinics

The Department of Defense (DoD) operates many military hospitals and clinics. You may be able to seek care there, depending on where you are, what plan you have, and your beneficiary category.>>Learn More

Civilian Network

You can also seek care from a civilian network of TRICARE-authorized providers. This network depends on what region you are in.>>Learn More
To search for a provider in one of our provider directories, visit the Find a Doctor tool to get you to the right directory for you.>>Learn More
Note: You may be able to see a non-network TRICARE-authorized providerAn authorized provider is any individual, institution/organization, or supplier that is licensed by a state, accredited by national organization, or meets other standards of the medical community, and is certified to provide benefits under TRICARE. There are two types of TRICARE-authorized providers: Network and Non-Network. DS, depending on your TRICARE plan. But you may have higher costs and you may have to file your own claims.>>Learn More

TRICARE 101 | TRICARE (2)

There are different plan options depending on who you are. If you're new to TRICARE, select the option below that best describes you for more information:

  • New Active Duty Service Members
  • New Spouse
  • National Guard and Reserve Members
  • Family Members of National Guard or Reserve Members
  • Foreign Force Members and Families

What plans can I choose from?

There are a number of TRICARE plans available. Remember that your eligibility for these plans depends on who you and your sponsor are.Plan FinderandCompare Plansare useful tools on our website. To learn more about each plan, select from the list below:

  • TRICARE Prime
  • TRICARE Prime Remote
  • TRICARE Prime Overseas
  • TRICARE Prime Remote Overseas
  • TRICARE Select
  • TRICARE Select Overseas
  • TRICARE For Life
  • TRICARE Reserve Select
  • TRICARE Retired Reserve
  • TRICARE Young Adult
  • TRICARE Plus
  • US Family Health Plan

To see what TRICARE plans you may be eligible for, use theTRICARE Plan Findertool.

TRICARE 101 | TRICARE (3)

How do I enroll in TRICARE?

Once you know your plan, visit theTRICARE Enrollment pagefor steps on how to enroll or purchase a plan.

How much does TRICARE cost?

Each TRICARE plan has different costs for care and coverage. You can use theTRICARE Compare Costtool to view and compare costs for covered services, enrollment, and plan premiums.

Where can I get care?

Depending on your plan, you’ll get care from either a military hospital or clinic, or a civilian provider. For more information, visit theProvider Typespage or use theFind a Doctor tool.

What does TRICARE cover?

You can use theTRICARE Covered Servicestool to see if something is covered or not by searching keywords, or browsing common categories. To check if your prescription drugs are covered, visit theTRICARE Formulary.

Can I get TRICARE worldwide?TRICARE 101 | TRICARE (4)

Yes, TRICARE is available worldwide.

There are two TRICARE regions in the U.S.:

  • TRICARE East
  • TRICARE West

And there’s one overseas region with three areas:

  • TRICARE Eurasia-Africa
  • TRICARE Latin America and Canada
  • TRICARE Pacific

Ourcontract partnershelp deliver the benefit around the world. Your benefits are the same no matter where you live. There are different customer service contacts for each of our partners.

TRICARE 101 | TRICARE (5)

TRICARE offersprescription drug coverageand many options for filling your prescriptions. You have the same pharmacy coverage with any TRICARE health plan. But, if you're enrolled in theUS Family Health Plan, you have separate pharmacy coverage.

Dental coverage is separate from TRICARE’s medical coverage. Your dental coverage is based on who you are.

Vision coverage, including eye exams, depends on:

  • Who you are
  • Your TRICARE plan
  • Your age

Getting Started is Easy

  1. Confirm your eligibilityonlineor call 1-800-538-9552
  2. Explore yourhealth plan options
  3. Decide which is right for you andenroll(if required)

Where can I find more information on TRICARE?

You can find a number of helpful resources on TRICARE.mil, including:

  • TRICARE Newsroom
  • TRICARE Publications
  • TRICARE Newsletters
  • TRICARE Resources
  • Frequently Asked Questions
  • Military Hospitals and Clinics
  • TRICARE Podcast
  • Find a Phone Number

You cansign upto receive TRICARE updates and news releases via email. You can also follow TRICARE onFacebookandTwitter.

Last Updated 8/24/2023

TRICARE 101 | TRICARE (2024)

FAQs

What is TRICARE Basic? ›

TRICARE is the health care program for uniformed service members, retirees, and their families around the world. TRICARE provides comprehensive coverage to all beneficiaries, including... Health plans. Special programs. Prescriptions.

What are the three types of TRICARE coverage? ›

This fact sheet provides an overview of TRICARE health plans, including TRICARE Prime, TRICARE Select, TRICARE For Life, and TRICARE Plus.

What is the 10 10 rule for TRICARE? ›

If you were married for at least 10 years in a period that overlapped with your spouse's active-duty service for at least 10 years (known as the 10-10 rule), then the Defense Finance and Accounting Service (DFAS) will usually pay your portion of the pension directly to you.

How do I contact TRICARE customer service? ›

Who do I contact if I need help with TRICARE For Life?
  1. 1-866-773-0404 (TDD 1-866-773-0405)
  2. www.TRICARE4u.com.

What does TRICARE not cover? ›

TRICARE doesn't cover services and supplies: from a scientific or medical study, grant or research program. provided for free. that would be free if you or your sponsor weren't eligible for TRICARE.

What is the best TRICARE option? ›

TRICARE Select offers the most freedom of choice. There's no required PCM. You manage your own health care and can receive care from any TRICARE-authorized provider. However, you'll pay higher out-of-pocket costs when you receive care outside the established network of providers.

Are ER visits covered by TRICARE? ›

TRICARE covers emergency care to include professional and institutional charges and services and supplies that are ordered or administered in an emergency department. Emergency care means care for an illness or injury that threatens your life, limb, sight, or safety.

How do I know what my TRICARE covers? ›

You can use the Covered Services tool to find what your TRICARE health benefit covers. “The Covered Services tool is the best way to see if and how TRICARE covers a particular health care service or medical supply,” said Robert Agnello, deputy chief of TRICARE Digital Communications.

What does TRICARE for Life actually cover? ›

TFL typically covers your Medicare cost-sharing (deductibles, coinsurances, and copayments). TFL may pay when services are not covered by Medicare or when you have used up your Medicare benefits.

What is the 8 minute rule for TRICARE? ›

8-Minute Rule Basics

(This rule also applies to other insurances that have specified they follow Medicare billing guidelines.) Basically, a therapist must provide direct, one-on-one therapy for at least eight minutes to receive reimbursem*nt for one unit of a time-based treatment code.

At what age does TRICARE stop? ›

Unmarried biological, step-children and adopted children are eligible for TRICARE until age 21 (or 23 if in college, see "College Students" below). Eligibility may extend beyond these age limits if he or she is severely disabled. At age 21 or 23, he or she may qualify to purchase TRICARE Young Adult.

Is TRICARE free for veterans? ›

VA care for service-connected illnesses and injuries is free, but other care may not be. Depending on your priority group and the type of care needed, you may be charged copays for different treatments, services, and prescriptions.

Who qualifies for TRICARE for Life? ›

TRICARE For Life (TFL) is Medicare-wraparound coverage if you are TRICARE-eligible and have Medicare Part A and B, regardless of age or place of residence. Coverage is only for those with Medicare and who are TRICARE-eligible. Coverage doesn't extend to family members.

What is the TRICARE standard? ›

With TRICARE Standard, you choose TRICARE-authorized non-network hospitals and providers and pay higher cost- shares. With TRICARE Extra, you choose TRICARE network hospitals and providers and pay discounted cost-shares.

Is TRICARE good health insurance? ›

Is TRICARE good health insurance? While there can be occasional issues, generally speaking, TRICARE plans offer generous coverage for treatments, tests, services, and prescriptions with relatively low out-of-pocket costs compared to many civilian health plans.

Is there a difference between TRICARE and TRICARE Prime? ›

If you're on active duty, you have to enroll in TRICARE Prime. All others can choose to enroll in TRICARE Prime or TRICARE Select. TRICARE Prime offers fewer out-of-pocket costs than TRICARE Select, but less freedom of choice for providers.

How much is TRICARE monthly? ›

Table 5: Calendar Year 2024 TRICARE Premium-Based Health Plans Monthly Premiums
Premium-based health planMember OnlyMember and Family
TRICARE Reserve Select$51.95$256.87
TRICARE Retired Reserve$585.24$1,406.22
TRICARE Young Adult Prime$637.00Not applicable
TRICARE Young Adult Select$311.00Not applicable

Who is eligible for TRICARE Prime? ›

Tricare Prime Eligibility

Active duty service members and their families. Retired service members and their families* Activated Guard/Reserve members and their families. Non-activated Guard/Reserve members and their families who qualify for care under the Transitional Assistance Management Program.

Is TRICARE the same as VA benefits? ›

Retired service members with service-connected conditions receive care for that condition from either TRICARE or VA. If service-connected care is received at a VA facility, it is a VA benefit. If care is received through TRICARE, it is a TRICARE benefit.

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