What is the difference between TRICARE Prime and TRICARE Select?
Quick Answer
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.
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Detailed Answer
The main differences between TRICARE Prime and TRICARE Select:
TRICARE Prime
- Managed care option similar to an HMO
- Assigned primary care manager (PCM)
- Referrals required for specialty care
- Lowest out-of-pocket costs
- Most preventive services covered at no cost
- Available in Prime Service Areas (PSAs)
- Best for: Those who prefer coordinated care and predictable costs
TRICARE Select
- Self-managed option similar to a PPO
- Freedom to choose any TRICARE-authorized provider
- No referrals needed for specialty care
- Higher out-of-pocket costs (deductibles and copays)
- Flexibility to see specialists directly
- Available worldwide
- Best for: Those who value provider choice and flexibility
Cost Comparison
- Active Duty Family Members: Prime has no enrollment fee; Select has annual enrollment fees
- Retirees: Both have enrollment fees, but Prime's are lower
- Copays: Prime has minimal or no copays; Select has cost-shares based on provider type
Key Decision Factors
- Your location (Prime only available in PSAs)
- Your healthcare needs and preferences
- Your budget and cost preferences
- Whether you prefer coordinated or independent care
You can switch between Prime and Select during open enrollment or qualifying life events.
Related TRICARE Terms
Related Questions
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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