How much does TRICARE cost?
Quick Answer
Costs vary by plan and beneficiary status. Active duty members have no costs. Retirees and their families pay enrollment fees and cost-shares.
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Detailed Answer
TRICARE costs depend on your beneficiary category and chosen plan:
Active Duty Service Members
- No enrollment fees
- No out-of-pocket costs
- Automatically enrolled in TRICARE Prime
Active Duty Family Members
- TRICARE Prime: No enrollment fee, minimal copays
- TRICARE Select: Annual enrollment fee varies by service (E-4 and below exempt)
- No copays for most care under Prime
Retirees & Families (Under 65)
- TRICARE Prime: Annual enrollment fees ($350 individual, $700 family for 2024)
- TRICARE Select: Annual enrollment fees ($217 individual, $434 family for 2024)
- Copays/cost-shares apply based on plan and provider
TRICARE For Life (65+)
- No enrollment fees
- Medicare Part B premium required
- Minimal out-of-pocket costs
- Acts as secondary insurance to Medicare
Reserve Select
- Monthly premiums based on family size
- Additional cost-shares may apply
Other Costs to Consider
- Annual deductibles (Select only)
- Prescription copays
- Dental premiums (separate from medical)
- Vision care costs
Cost-Sharing
- Network vs. non-network provider differences
- Point-of-service charges
- Emergency care costs
Visit the official TRICARE website or use the TRICARE cost calculator for personalized estimates based on your situation.
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.
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.
What do most military families add to their TRICARE coverage?
Supplemental health insurance is the most common addition — it covers dental, vision, and out-of-pocket costs that TRICARE leaves uncovered. Life insurance and a legal will are also highly recommended.
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