How do I switch between TRICARE Prime and Select?
Quick Answer
You can switch plans during the annual Open Season (Nov-Dec) or after a Qualifying Life Event like PCS, birth, or marriage.
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Key Takeaways
- Open Season is November-December annually
- Qualifying Life Events allow changes anytime
- Changes made through milConnect
- Processing time needed for plan switches
Detailed Answer
Changing between TRICARE plans is possible during specific enrollment periods or after qualifying events.
Open Season
- Held annually in November-December
- Changes take effect January 1
- Can switch between Prime and Select
- No documentation required
Qualifying Life Events (QLE)
- PCS (Permanent Change of Station)
- Marriage or divorce
- Birth or adoption of child
- Loss of other health coverage
- Change in sponsor's status
- Must change within 90 days of QLE
How to Make Changes
- Log in to milConnect
- Select TRICARE enrollment
- Choose new plan option
- Submit required documentation (for QLE)
Important Considerations
- Prime enrollment fees may apply (retirees)
- Select has no enrollment fees
- PCM assignment may change
- May need to change providers
Timing
- Open Season changes: Effective January 1
- QLE changes: Effective date of qualifying event
- Allow processing time for changes
Related TRICARE Terms
Related Questions
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.
When is TRICARE Open Season and enrollment deadlines?
TRICARE Open Season runs November 11 through December 12 annually, with coverage changes effective January 1 of the following year.
What else should I consider when enrolling in TRICARE?
Beyond your TRICARE plan choice, most military advisors recommend reviewing your life insurance, creating or updating your will, and checking your home/auto coverage — especially important during enrollment transitions.
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