Deductible

Amount you pay before TRICARE starts cost-sharing.

The deductible is the amount you must pay out-of-pocket for covered services each fiscal year before TRICARE begins paying its share. Deductibles apply to TRICARE Select but not to TRICARE Prime.

TRICARE Select deductibles (2024): • Active Duty Family Members: $171 individual / $342 family • All others (Group A retirees): $195 individual / $390 family • All others (Group B retirees): $221 individual / $442 family

Key points about deductibles: • Reset annually on October 1 (start of fiscal year) • Apply per individual until family maximum reached • Only covered services count toward deductible • Military Treatment Facility care doesn't require deductibles • Network providers result in lower overall costs

Example If your individual deductible is $195 and you have a $500 surgery, you pay the first $195, then TRICARE cost-sharing begins for the remaining $305.

TRICARE Prime members don't pay deductibles—one of the key cost advantages of Prime over Select. All deductible payments count toward your annual catastrophic cap.