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TRICARE Guide
Helping military families understand, compare, and maximize their healthcare benefits — in plain English.
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Most Asked Questions
Answers to the questions military families ask the most
What is TRICARE?
TRICARE is the healthcare program for uniformed service members, retirees, and their families worldwide.
Who is eligible for TRICARE?
Active duty members, retirees, National Guard/Reserve members, their families, survivors, and Medal of Honor recipients.
What is the difference between TRICARE Prime and TRICARE Select?
TRICARE Prime is a managed care option with a primary care manager and lower costs. TRICARE Select offers more flexibility to choose providers with higher out-of-pocket expenses.
How much does TRICARE cost?
Costs vary by plan and beneficiary status. Active duty members have no costs. Retirees and their families pay enrollment fees and cost-shares.
How do I enroll in TRICARE?
Ensure you're registered in DEERS, then choose your plan during open enrollment or within 90 days of a qualifying life event.
What is TRICARE For Life and who qualifies?
TRICARE For Life is Medicare wraparound coverage for TRICARE-eligible beneficiaries age 65+ who have Medicare Parts A and B.
TRICARE Glossary
Key terms and definitions explained simply
Active Duty
Full-time service in any branch of the U.S. Armed Forces.
Active Duty Family Member
Eligible family members of active duty service members.
Allowable Charge
Maximum amount TRICARE will pay for a covered service.
Beneficiary
Person eligible to receive TRICARE benefits.
Catastrophic Cap
Maximum out-of-pocket expenses for covered services each fiscal year.
Claim
Request for payment of covered medical services.
Copayment
Fixed amount you pay for covered services.
Cost-Share
Percentage of costs you pay for covered services.
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Independent Insight for Every Military Family
We simplify complex TRICARE information so you can make informed decisions about your healthcare benefits.