Back to All FAQs
plans
coverage
What is the difference between TRICARE Prime and TRICARE Select?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
AI-assisted (gemini, gpt-4o)
Quick Answer
TRICARE Prime is managed care with low costs and referral requirements. TRICARE Select offers self-managed care with more flexibility but higher cost-shares and no referrals.
Related Video
Key Takeaways
- Prime: low cost, needs referrals
- Select: flexible, higher cost-shares
- Active duty are in Prime
- Families can choose either
Detailed Answer
TRICARE Prime and Select are the two main health plan options:
TRICARE Prime
- Managed care option (like an HMO)
- Assigned Primary Care Manager (PCM)
- Referrals needed for specialists
- Lower out-of-pocket costs
- Enrollment fee for retirees
- Must use network providers
TRICARE Select
- Self-managed option (like a PPO)
- No assigned PCM required
- No referrals needed
- Higher cost-shares than Prime
- No enrollment fee (but cost-shares apply)
- Can use any TRICARE-authorized provider
Cost Comparison (Retiree Family Example)
- Prime: Annual enrollment fee, minimal copays
- Select: No enrollment fee, 20-25% cost-share
Best For
- Prime: Families wanting low costs, easy MTF access
- Select: Those wanting flexibility, living far from MTF
Active Duty
- Automatically enrolled in Prime
- No out-of-pocket costs
- Family can choose Prime or Select
Helpful Tips
- Consider MTF proximity when choosing
- Review cost calculators on TRICARE.mil
- Can change during Open Season
Was this FAQ helpful?
Need personalized help with this?
Most military families leave benefits on the table. Our free 2-minute coverage check identifies gaps, finds potential savings, and gives you personalized recommendations.
Check My Coverage 100% Free Instant Results No Signup Required