Prime Service Area
PSA
Quick Definition
Geographic area where TRICARE Prime is available.
Video Explanation
Full Definition
A Prime Service Area (PSA) is a geographic region where TRICARE Prime is offered. PSAs are typically areas surrounding military installations where TRICARE has contracted with enough network providers to support the Prime managed care model.
PSA characteristics: • Defined geographic boundaries (usually ZIP codes) • Adequate network of civilian providers • Usually centered around military bases • Include both urban and some rural areas • Reviewed and updated periodically
What being in a PSA means: • Can enroll in TRICARE Prime • Access to assigned PCM (primary care manager) • Lower costs compared to Select • Referral system for specialty care • Point-of-service option available
What being outside a PSA means: • Cannot enroll in standard TRICARE Prime • Must use TRICARE Select or TRICARE Prime Remote (if eligible) • May have fewer network providers nearby • Higher out-of-pocket costs • More flexibility but less cost protection
Example: ZIP codes within 40 miles of a major military installation are typically within that installation's PSA.
Finding your PSA status: • Use the TRICARE Plan Finder tool online • Enter your ZIP code • View available plans and network providers • Contact regional contractor for details
If you live in a PSA, TRICARE Prime is typically your most cost-effective option. Moving out of your PSA is a qualifying life event that allows you to change plans.
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 do I enroll in TRICARE?
Ensure you're registered in DEERS, then choose your plan during open enrollment or within 90 days of a qualifying life event.
How do I find a TRICARE provider?
Use the online provider directory on your regional contractor's website or call them directly for assistance.
Can my adult children get TRICARE coverage?
Yes, through TRICARE Young Adult (TYA) for qualified dependents ages 21-26 who are not eligible for employer health coverage.
Can I change my TRICARE plan and when?
You can change TRICARE plans during annual Open Enrollment (late fall) or within 90 days of a Qualifying Life Event.
Related Terms
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