An official website of the United States government
A .mil website belongs to an official U.S. Department of Defense organization in the United States.
A lock (lock ) or https:// means you’ve safely connected to the .mil website. Share sensitive information only on official, secure websites.

News | Dec. 7, 2023

5 Things To Consider When Choosing a TRICARE Health Plan

By TRICARE Communications

Are you enrolled in or eligible for a TRICARE Prime or TRICARE Select plan? During TRICARE Open Season, you may be eligible to change plans or enroll in a plan for 2024. It’s important to understand your plan options so you can choose the right coverage for your family. That’s because open season may be your only chance to change your plan for next year, unless you have a Qualifying Life Event.
 
Here are some things to consider when you research your plan options.

1. Your Eligibility

Before you research plans, you should know which plans your family members are eligible for. Eligibility is based on your sponsor’s status, your relationship to your sponsor, your location, and a few other factors.
 
The TRICARE Plan Finder makes it easy to learn what your plan options may be. First, you’ll answer a few quick questions about yourself or a family member. Then, the tool will show you a list of plans you may be eligible for.
 
Reminder: TRICARE Open Season doesn’t apply to active duty service members. Active duty service members must be enrolled in a TRICARE Prime plan. This doesn’t include the US Family Health Plan (USFHP).

2. How You Prefer To Get Care

TRICARE Prime and TRICARE Select plans have different rules for how you get care.
 
With TRICARE Prime plans:
  • You’ll choose or be assigned a primary care manager (PCM), who will manage your care. Your PCM could be at a military hospital or clinic, or they could be a civilian provider.
  • You’ll need to get referrals from your PCM for specialty care and any care your PCM can’t provide. However, you can see a specialist without a referral under the point-of-service option. This will result in higher out-of-pocket costs.
  • Your provider will file claims for you in most cases.

In some locations, you may be able to enroll in USFHP. This is a TRICARE Prime option available through networks of not-for-profit health care systems in six areas of the United States. USFHP has slightly different rules for getting care:
  • You’ll choose a primary care provider from the network of physicians affiliated with the not-for-profit health care systems in your designated USFHP area. This provider will coordinate your care and help you get appointments with specialists.
  • You can’t get care at military hospitals and clinics or from TRICARE network providers. You also can’t use Express Scripts. Instead, you’ll have a different pharmacy network.
 
TRICARE Select is a self-managed care option, which may give you more flexibility in which providers you can see. With TRICARE Select plans:

3. Types of Care You May Need

Your health care needs play a role in how you get care and what your costs will be. Think about the types of care you and your family might need next year and how often you may need to get care.

4. Types of Providers Near You

Do you prefer to get care outside of a military hospital or clinic? Depending on your health plan and the type of care you need, you may have the option to visit any TRICARE-authorized provider. This can be either a network or non-network provider. But choosing a network provider may minimize your out-of-pocket costs, as outlined in the TRICARE Choices in the United States Handbook. Use the Find a Doctor tool to find TRICARE-authorized providers near you.

5. Out-of-Pocket Costs

When you follow your plan’s rules, TRICARE Prime generally has lower out-of-pocket costs than TRICARE Select. But keep in mind that TRICARE Select may offer you more flexibility in how you get care.
 
Check out the 2024 TRICARE health plan costs to compare plan costs and estimate your health care costs for next year. You may also want to preview your 2024 pharmacy costs.
 
Remember, TRICARE Open Season ends Tuesday, Dec. 12. Go to TRICARE Open Season to learn more about your eligibility to participate in open season, your plan options, and how to enroll in a plan.
 
Would you like the latest TRICARE news sent to you by email? Visit TRICARE Subscriptions, and create your personalized profile to get benefit updates, news, and more.
 
Father and son hold hands while walking down a street

Unlock Your Health by Understanding the TRICARE ...

News
Aug. 26, 2025

Do you have TRICARE Prime? If so, you likely get most of your routine health care from your primary care...
Read More
Image of woman sitting on sofa on laptop. Text reads: "Participants needed for virtual tricare.mil usability study. Learn if you qualify." TRICARE logo

Share Your Thoughts on Tricare.mil in Upcoming U...

News
Aug. 22, 2025

Are you interested in shaping the future of TRICARE’s web presence? The Defense Health Agency Usability Lab is...
Read More
Smiling woman holds a baby.

How TRICARE Covers Breastfeeding Supplies and Se...

News
Aug. 21, 2025

Are you pregnant or did you recently have a baby? TRICARE covers certain breast pumps and supplies and...
Read More
Medical professional looks at dental x-rays

TRICARE Medical vs. Dental Coverage: Understandi...

News
Aug. 19, 2025

When you need care for your mouth, jaw, or teeth, you may have questions about whether you should use your...
Read More
Man in grey shirt speaks to a doctor

Medicare and TRICARE For Life: Finding Providers

News
Aug. 14, 2025

If you have TRICARE For Life, you’ll get health care from Medicare providers. Here’s what you need to know...
Read More
A hand places white flowers on a stone grave

How a Death in the Family May Affect Your TRICAR...

News
Aug. 12, 2025

When a family member passes away, it can feel overwhelming to deal with paperwork on top of the emotional...
Read More
Female teacher leads a group of young students into school

Get Your Child Ready for the New School Year: A ...

News
Aug. 07, 2025

Getting your child’s health care needs taken care of before school starts helps ensure they’re ready to focus...
Read More
Service member pours pills into a pill counter machine

TRICARE Coverage of Weight Loss Medications: Wha...

News
Aug. 05, 2025

Understanding the difference between TRICARE plans and coverage is key to knowing what to expect when filling...
Read More

Aug. 26, 2025

Unlock Your Health by Understanding the TRICARE Prime Referral Process

Do you have TRICARE Prime? If so, you likely get most of your routine health care from your primary care manager. But sometimes, you may need specialty care that your PCM can’t provide. This is when your PCM will give you a referral. In this article, you’ll learn about the TRICARE Prime referral process. We’ll highlight what’s new—and easier—for you and your family members if you’re moving this year.

Aug. 22, 2025

Share Your Thoughts on Tricare.mil in Upcoming Usability Study

Are you interested in shaping the future of TRICARE’s web presence? The Defense Health Agency Usability Lab is looking for participants for a tricare.mil usability study. The DHA Usability Lab will hold several studies to get feedback on the website.

Aug. 21, 2025

How TRICARE Covers Breastfeeding Supplies and Services

Are you pregnant or did you recently have a baby? TRICARE covers certain breast pumps and supplies and breastfeeding counseling at no cost for new mothers.

Aug. 19, 2025

TRICARE Medical vs. Dental Coverage: Understanding Key Differences

When you need care for your mouth, jaw, or teeth, you may have questions about whether you should use your TRICARE medical or dental plan. Knowing when to use your medical or dental coverage helps avoid unnecessary costs or delays in care.

Aug. 14, 2025

Medicare and TRICARE For Life: Finding Providers

If you have TRICARE For Life, you’ll get health care from Medicare providers. Here’s what you need to know about finding different types of Medicare providers.

Aug. 12, 2025

How a Death in the Family May Affect Your TRICARE Coverage

When a family member passes away, it can feel overwhelming to deal with paperwork on top of the emotional burden. This article provides a few steps you should take in the weeks following your family member’s death. Taking these steps can help ensure your coverage continues without interruption.

Aug. 7, 2025

Get Your Child Ready for the New School Year: A TRICARE Parent’s Guide

Getting your child’s health care needs taken care of before school starts helps ensure they’re ready to focus on learning. TRICARE covers the essential services that parents need to check off their back-to-school list.

Aug. 5, 2025

TRICARE Coverage of Weight Loss Medications: What To Know

Understanding the difference between TRICARE plans and coverage is key to knowing what to expect when filling your prescription. There are different rules about how TRICARE covers these drugs based on your plan.

July 31, 2025

TRICARE Coverage for National Guard and Reserve Members: Know Your Options

Are you or your sponsor in the National Guard or Reserve? Your health coverage changes when activating or deactivating. Here’s what you need to know.

July 29, 2025

Unlock Your Health: Check Your TRICARE Information in DEERS Today

When was the last time you looked to see if your information in the Defense Enrollment Eligibility Reporting System is up to date? If it’s been a while, it’s extremely important to take time and log in to DEERS to review or update your information.