What are the cost shares for TRICARE Select?
Quick Answer
TRICARE Select has annual deductibles, percentage-based cost shares for most services, and a catastrophic cap that limits yearly out-of-pocket costs.
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Key Takeaways
- Deductibles must be met first
- Cost shares are percentage-based
- Network providers cost less
- Catastrophic cap limits total costs
Detailed Answer
TRICARE Select uses deductibles and cost shares instead of flat copays.
Annual Deductibles (2024)
- Active Duty Family: $50 individual/$100 family
- Group A Retirees: $150 individual/$300 family
- Group B Retirees: $50 individual/$100 family
Outpatient Cost Shares
- Network providers: 15-20% of negotiated rate
- Non-network: 20-25% of allowable charges
- Preventive care often $0 with network
Inpatient Cost Shares
- Network: Per-day charge or percentage
- Higher for non-network providers
- Subject to catastrophic cap
Catastrophic Cap (2024)
- Active Duty Family: $1,000
- Group A Retiree: $3,500
- Group B Retiree: $1,000
- Once reached, TRICARE pays 100%
Pharmacy Costs
- Separate from medical cost shares
- Count toward catastrophic cap
- Generic and brand tiers
Related TRICARE Terms
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.
How does the TRICARE catastrophic cap work?
The catastrophic cap is your maximum annual out-of-pocket cost. Once reached, TRICARE pays 100% of covered services for the rest of the fiscal year.
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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