Which TRICARE Plan is for YOU ? TRICARE has a number of different health care plans and it can sometimes be daunting when you sit down to choose a plan. This article can help you make your decision in a more methodical way.
Which TRICARE Plan is for YOU?
While the TRICARE Prime health care plan is known to be a very affordable and cost-effective package, which provides all the minimum necessary coverage that has been stipulated by the Affordable Care Act, it provides very little flexibility in the way of choosing your medical care provider. On the other hand, both the TRICARE Standard health care plan and the TRICARE Extra option provide people with much more flexibility. The main difference that then lies between these two plans is that under TRICARE Extra, a person has to choose a health care provider from a list of network providers (that is, those providers who are a part of the TRICARE network).
On the other hand, under the TRICARE Standard health care plan, a person can choose a health care provider who is not a part of the TRICARE network. Therefore, if you are looking for more flexibility, then you can choose from either the TRICARE Standard or TRICARE Extra packages. However, if you are looking for coverage and a cost-effective solution, then Tricare Prime may be a more viable option.
Under the TRICARE Prime plan, you will be required to consult your primary care manager before you receive any health care, who will also be responsible for making all doctor appointments, maintaining and updating health records and providing referrals in case you need to see a specialist doctor. However, there is no primary care manager in the other two programs and you do not need to obtain a referral before consulting another specialist.
If you are covered by the TRICARE Prime health care plan, then you do not need to trouble yourself with filing any claims for reimbursements, as the primary care manager will do that for you. Although this is also mostly done as a part of the TRICARE Standard and TRICARE Extra health care plans, it is possible that you may have to file a claim for a reimbursement yourself if you went to a non-network health care provider for your health care services.
Therefore, if you are looking for a comprehensive but affordable package, then TRICARE Prime may suit you more, but if you want greater choice and flexibility, then you should opt for the TRICARE Standard and Extra packages.