How can I estimate my TRICARE costs before getting care?
Quick Answer
Use the TRICARE cost estimator tool online, review cost charts on TRICARE.mil, or call your regional contractor for specific procedure estimates.
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Key Takeaways
- Use online cost estimator
- Costs vary by plan and provider
- MTF usually cheapest
- Ask providers for estimates
Detailed Answer
Planning ahead helps you understand potential healthcare costs.
TRICARE Cost Estimator
- Available on TRICARE.mil
- Enter procedure or service
- Select your plan type
- Get estimated costs
What Affects Costs
- Your plan (Prime vs Select)
- Beneficiary category
- Network vs non-network
- Service location
- Deductible status
Getting Provider Estimates
- Ask provider for cost estimate
- Request procedure codes
- Check if authorization needed
- Compare costs between providers
Compare Options
- MTF care often lowest cost
- Network saves money
- Non-network highest cost
- Pharmacy options vary
Cost Charts
- Published on TRICARE.mil
- Updated annually
- Show copays and cost shares
- Vary by beneficiary group
Related TRICARE Terms
Related Questions
How much does TRICARE cost?
Costs vary by plan and beneficiary status. Active duty members have no costs. Retirees and their families pay enrollment fees and cost-shares.
What is the difference between network and non-network providers?
Network providers accept TRICARE rates and file claims for you. Non-network providers may charge more, and you may need to file claims yourself.
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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