What is TRICARE Select?
Quick Answer
TRICARE Select is a PPO-style plan with freedom to choose any TRICARE-authorized provider without referrals. It has higher copays than Prime but offers greater provider flexibility.
Detailed Answer
TRICARE Select is a self-managed preferred provider option similar to a civilian Preferred Provider Organization (PPO) that gives beneficiaries the flexibility to see any TRICARE-authorized provider without needing a primary care manager or referrals for specialty care. This plan is available to all non-active-duty TRICARE-eligible beneficiaries worldwide. TRICARE Select has annual enrollment fees for retirees and their families, and cost-shares vary based on whether the beneficiary uses a network or non-network provider. Using network providers results in lower out-of-pocket costs compared to non-network providers. Active duty family members enrolled in Select have no enrollment fee but pay annual deductibles and copays. The plan offers annual deductibles ($150 individual/$300 family for active duty families; higher for retirees), after which cost-shares apply for covered services. Select is ideal for beneficiaries who value the freedom to choose their own providers and do not mind higher costs in exchange for that flexibility.
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.
What is TRICARE Prime?
TRICARE Prime is a managed care health plan similar to an HMO that provides comprehensive coverage with a primary care manager, low out-of-pocket costs, and referrals for specialty care.