Prime Service Area

Geographic area where TRICARE Prime is available.

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.