How to switch from TRICARE Prime to Select?
Quick Answer
Switch from TRICARE Prime to Select during Open Season or after a qualifying life event. Use milConnect, call your regional contractor, or visit an ID card office to process the change.
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Detailed Answer
Switching from TRICARE Prime to TRICARE Select can be done during two enrollment windows: the annual TRICARE Open Season (mid-November through mid-December, effective January 1) or within 90 days of a qualifying life event. To make the switch, log into milConnect and use the Beneficiary Web Enrollment portal to change your plan selection, call your regional contractor (Humana Military for East Region or TriWest for West Region), or visit an ID card office for in-person assistance. Before switching, carefully compare the differences between Prime and Select, as Select has higher out-of-pocket costs but greater provider flexibility. Key considerations include that Select has annual deductibles (Prime does not), Select cost-shares are generally higher than Prime copays, you will no longer need a PCM or referrals for specialty care, and your enrollment fees may change. When you switch to Select, your PCM assignment is cancelled, and you can see any TRICARE-authorized provider directly. Make sure your DEERS information is current before processing the switch. Changes during Open Season take effect January 1, while QLE changes take effect on the first of the month following processing.
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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 the TRICARE Open Season?
The TRICARE Open Season is the annual enrollment period, typically mid-November through mid-December, when beneficiaries can enroll in, change, or disenroll from TRICARE plans.
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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