TRICARE Select

TRICARE Select is a self-managed, preferred provider organization (PPO) plan offering maximum flexibility to choose your own healthcare providers without referrals. In exchange for this flexibility, Select has higher out-of-pocket costs than Prime.

Key features of TRICARE Select: • Choose any TRICARE-authorized provider • No referrals needed for specialty care • Annual deductibles apply • Cost-shares vary by network status • Available worldwide • No enrollment required for most beneficiaries

Who can use Select: • Active duty family members • Retirees and their families • Anyone eligible for TRICARE who doesn't enroll in Prime • Available everywhere, not just PSAs

Costs (2024) Enrollment fees (annual): • ADFMs (E-5 and above): $231 individual / $462 family • Retirees (Group A): $217 individual / $434 family • Retirees (Group B): $318 individual / $636 family

Deductibles and cost-shares also apply based on beneficiary status and provider network status.

Benefits of Select: • Freedom to choose any authorized provider • See specialists without referrals • Geographic flexibility • Mix of network and non-network care • Space-available MTF access

Limitations: • Higher out-of-pocket costs • Annual deductibles • Must file claims with non-network providers • Balance billing possible with non-network

Best for: Beneficiaries who value provider choice, live outside Prime Service Areas, travel frequently, prefer managing their own care, or have established relationships with non-military providers.

TRICARE Select trades lower costs for greater freedom. While you'll pay more than Prime, you get complete control over provider selection and don't need referrals, making it ideal for those who prioritize flexibility over cost savings.