What is the difference between TRICARE Prime and TRICARE Select?

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.