News | Nov. 5, 2021

Review Your TRICARE Health Plan Costs for 2022

By TRICARE Communications

The New Year is almost here. This means annual cost changes for most TRICARE health plans, starting Jan. 1. Cost changes reflect decisions made by Congress, cost-of-living adjustments, changes to the cost of health care services and drugs, and more. This affects enrollment fees and premiums for some individuals, as well as certain out-of-pocket costs.
 
Knowing the 2022 costs will help you prepare for TRICARE Open Season, which runs from Nov. 8 to Dec. 13. Even if you keep your current health plan next year, you should check for any cost changes that will affect you.
 
TRICARE beneficiaries fall into one of two groups: Group A or Group B. What group you’re in determines your enrollment fees or premiums and any other per service out-of-pocket costs that you may have with your TRICARE plan. See your group below:
  • You’re in Group A if your initial enlistment or appointment or that of your uniformed service sponsor began before Jan. 1, 2018.
  • You’re in Group B if your initial enlistment or appointment or that of your uniformed service sponsor began on or after Jan. 1, 2018.
 
When enrolled in TRICARE Reserve Select, TRICARE Retired Reserve, TRICARE Young Adult, or the Continued Health Care Benefit Program, you follow TRICARE Select Group B deductibles and applicable copayments or cost-shares.
 
Below is a list of the 2022 costs for TRICARE health plans. Changes from 2021 costs are in bold.
 
Annual Enrollment Fees and Annual Deductibles
Active duty service members and active duty family members continue to have no enrollment fees. Retirees, their family members, and most others must pay an annual enrollment fee for their coverage. If you have TRICARE Prime, there’s no annual deductible. If you have TRICARE Select, you must spend your deductible before TRICARE cost-sharing begins.
 
Table 1 shows the annual enrollment fee and annual deductible for active duty family members enrolled in TRICARE Select or TRICARE Prime. TRICARE Prime includes TRICARE Prime Remote, the US Family Health Plan, and TRICARE Young Adult Prime plans. Changes from 2021 costs are in bold.
 
Table 1: Calendar Year 2022 TRICARE Prime and TRICARE Select Out-of-Pocket Costs: Active Duty Family Members
 
Out-of-pocket Cost TRICARE Select TRICARE Prime
Group A Group B Group A Group B
Annual enrollment fee Individual $0 $0 $0 $0
Family $0 $0 $0 $0
Annual deductible Individual
(E-4 and below)
$50 $56 $0 $0
Family
(E-4 and below)
$100 $112 $0 $0
Individual
(E-5 and above)
$150 $168 $0 $0
Family
(E-5 and above)
$300 $336 $0 $0
 
 
Table 2 shows the annual enrollment fee and annual deductible for retirees, their family members, and others enrolled in TRICARE Select or TRICARE Prime. Changes from 2021 costs are in bold.
 
Table 2: Calendar Year 2022 TRICARE Prime and TRICARE Select Out-of-Pocket Costs: Retired Service Members, Their Families, and Others
 
Out-of-pocket Cost TRICARE Select TRICARE Prime
Group A Group B Group A Group B
Annual enrollment fee Individual $158 $504 $323 $392
Family $317 $1,008 $647 $784
Annual deductible Individual $150 Network:
$168
Out-of-Network:
$336
$0 $0
Family $300 Network:
$336
 Out-of-Network: $672
$0 $0
 
 
Out-of-pocket Costs (Copayments and Cost-shares)
ADSMs don’t have any out-of-pocket costs. If you’re an active duty family member enrolled in a TRICARE Prime plan, you won’t have copayments unless you’re using the point-of-service option or filling a prescription outside of a military pharmacy.
 
Table 3 shows TRICARE Select and TRICARE Prime network and out-of-network out-of-pocket costs for active duty family members. Network means a provider in the TRICARE network. Out-of-network means a TRICARE-authorized provider not in the TRICARE network. Changes from 2021 costs are in bold.
 
Table 3: Calendar Year 2022 TRICARE Prime and TRICARE Select Out-of-Pocket Costs: Active Duty Family Members
 
Out-of-pocket Cost TRICARE Select TRICARE Prime
Group A Group B Group A Group B
Annual catastrophic cap $1,000 $1,120 $1,000 $1,120
Preventive care visit $0 $0 $0 $0
Primary care Network: 
$24
Out-of-Network:
20%
Network: 
$16
Out-of-Network:
20%
$0 $0
Specialty care Network:
$38
Out-of-Network:
20%
Network:
$28
Out-of-Network:
20%
$0 $0
Emergency room visit Network:
$99
Out-of-Network:
20%
Network:
$44
Out-of-Network:
20%
$0 $0
Urgent care center visit Network:
$24
Out-of-Network:
20%
Network:
$22
Out-of-Network:
20%
$0 $0
Ambulatory surgery $25
Network and Out-of-Network
Network:
$28 
Out-of-Network:
20%
$0 $0
Ambulance, outpatient ground Network:
$74
Out-of-Network:
20%
Network:
$16
Out-of-Network:
20%
$0 $0
Ambulance, outpatient air Network and Out-of-Network:
20%
Network and Out-of-Network:
20%
$0 $0
Durable medical equipment Network: 15%
Out-of-Network:  
20%
Network: 10%
Out-of-Network:
20%
$0 $0
Inpatient admission $20.75 per day; $25 minimum per admission Network:
$67 per admission;
Out-of-Network: 20%
$0 $0
Inpatient skilled nursing facility/rehab facility $20.75 per day; $25 minimum per admission Network:
$28 per day;
Out-of-Network: $56 per day
$0 $0
 
Note: The costs for maternity (delivery and inpatient) are the same costs for inpatient admission. The costs for mental health (inpatient) are the same costs for inpatient admission. Mental health (primary care) follow the same costs as for primary care. Mental health (specialty care) follow the same costs as for specialty care.
 
Table 4 shows TRICARE Select and TRICARE Prime network and out-of-network out-of-pocket costs for retirees, their families, and all others. Network means a provider in the TRICARE network. Out-of-network means a TRICARE-authorized provider not in the TRICARE network. Changes from 2021 costs are in bold.
 
Table 4: Calendar Year 2022 TRICARE Prime and TRICARE Select Out-of-Pocket Costs: Retirees, their Families, and all Others
 
Out-of-pocket Cost TRICARE Select TRICARE Prime
Group A Group B Group A Group B
Annual catastrophic cap $3,706 $3,921 $3,000 $3,921
Preventive care visit $0 $0 $0 $0
Primary care Network: 
$32
Out-of-Network: 
25%
Network:
$28
  Out-of-Network: 25%
$22 $22
Specialty care Network: 
$50
Out-of-Network:
25%
Network:
$44
Out-of-Network:
25%
$33 $33
Emergency room visit Network:
$133
Out-of-Network:
25%
Network:
$89
Out-of-Network:
25%
$67 $67
Urgent care center visit Network: 
$32
Out-of-Network:
25%
Network:
$44
Out-of-Network:
25%
$33 $33
Ambulatory surgery Network:
20%
Out-of-Network:
25%
Network:
$106
Out-of-Network:
25%
$67 $67
Ambulance, outpatient ground Network:
$99
Out-of-Network:
25%
Network:
$67
Out-of-Network:
25%
$44 $44
Ambulance, outpatient air Network and Out-of-Network: 25% Network and Out-of-Network: 25% $20 $20
Durable medical equipment Network:
20%
Out-of-Network:
25%
Network:
20%
Out-of-Network:
25%
20% 20%
Inpatient admission Network $250/day up to 25% of hospital charges, plus 20% of separately billed services $196
per admission
$168
per admission
$168
per admission
Out-of-Network ǂ $1,034/day up to 25% of hospital charges, plus 25% of separately billed services 25% $168
per admission
$168
per admission
Inpatient skilled nursing facility/rehab facility Network: $250/day up to 25% of hospital charges, plus 20% of separately billed services;

Out-of-Network: 25%
Network:
$56 per day;

Out-of-Network: lesser of $336 per day or 20%
$33
per day
$33
per day
ǂ This is the 2021 rate. The 2022 out-of-pocket expense will be available mid-December once the diagnosis-related group payment rates are calculated.
 
Note: The costs for maternity (delivery and inpatient) are the same costs for inpatient admission. The costs for mental health (inpatient) are the same costs for inpatient admission. Mental health (primary care) follow the same costs as for primary care. Mental health (specialty care) follow the same costs as for specialty care.
 
Premiums
When enrolled in a premium-based health plan (TRICARE Reserve Select, TRICARE Retired Reserve, TRICARE Young Adult Prime, TRICARE Young Adult Select, or Continued Health Care Benefit Program), you pay a monthly or quarterly premium.
 
Table 5 shows the monthly premium for TRICARE Reserve Select, TRICARE Retired Reserve, TRICARE Young Adult Prime, and TRICARE Young Adult Select. Changes from 2021 costs are in bold.
 
Table 5: Calendar Year 2022 TRICARE Premium-Based Health Plans Monthly Premiums
 
Premium-based health plan Member Only Member and Family
TRICARE Reserve Select $46.70 $229.99
TRICARE Retired Reserve $502.32 $1,206.99
TRICARE Young Adult Prime $512 Not available
TRICARE Young Adult Select $265 Not available
 
If you have the Continued Health Care Benefit Program, you pay a quarterly premium.
 
Table 6: Fiscal Year 2022 TRICARE Premium-Based Health Plans Quarterly Premiums (Oct. 1, 2021–Sept. 30, 2022)
 
Premium-based health plan Member Only Member and Family
Continued Health Care Benefit Program $1,654 $4,079
 
Looking for more on costs? Visit TRICARE Cost Terms for definitions. To see current costs, check out the TRICARE Compare Cost Tool. Your TRICARE contractor is also available to help if you have questions about how your TRICARE plan works.
 
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