I just turned 60 and have started drawing my Naval Reserve retirement pay. I also retired as a government employee and have had FEHB for over 30 years (BC/BS). I had not planned to shift to TRICARE because it appears to be an HMO type plan versus the BC/BS PPO. I could not overlook the cost savings though. Save about $4,000 per year in premium fees. $9 per 90 day supply of brand name drugs versus the new BC/BS rate of $65. The hardest thing will be changing doctors after 15 years or so. A friend who shifted a couple years ago said the only hassle has been getting the same quality of specialists for his wife. Does anyone else in TUG land have the military TRICARE? Is it working OK for you?
Charlie D.
There are THREE different levels of TRICARE. I have Standard, as I can choose my Doc, but it costs more out of pocket. Because I am not Prime, the Naval Hospital will not give me any appointments although I can still use the pharmacy.
TRICARE: The Basics
TRICARE is the Department of Defense’s worldwide health care program for uniformed service members and their families. TRICARE has several health plan options to meet the needs of it’s beneficiary population.
TRICARE Prime
TRICARE Prime is a managed care option offered throughout the United States in areas known as Prime Service Areas—these are usually areas near a military treatment facility (MTF) or where a high concentration of TRICARE beneficiaries are living. Active duty service members are required to enroll, while all other beneficiaries (active duty family members, retired service members and their families and all others) may choose to enroll in TRICARE Prime or use TRICARE’s other health plan options. Some beneficiaries (other than active duty service members and their families) must pay an annual enrollment fee to participate.
When enrolled in TRICARE Prime, you receive most of your care from your assigned primary care manager (PCM)—either from an MTF or TRICARE network. Your PCM refers you to a specialist (military or TRICARE network) for any care he or she cannot provide.
When enrolled in TRICARE Prime, you pay minimal out-of-pocket costs. A point of service (POS) option is also available for care received without a referral, but using the POS option results in higher out of pocket costs.
Learn more about TRICARE Prime.
TRICARE Prime Options
Because service members may be stationed anywhere in the world, additional Prime options are available. Generally, the same Prime rules and features apply to these Prime options:
TRICARE Prime Remote
TRICARE Prime Remote (TPR) is available to active duty service members who live and work more than 50 miles or an hour’s drive to an MTF. Service members must enroll in TPR if they live in a designated TPR ZIP code area. Active duty family members who reside with their TPR-enrolled sponsors may also enroll in TRICARE Prime Remote for Active Duty Family Members.
Learn more about TRICARE Prime Remote.
TRICARE Prime Overseas
TRICARE Prime Overseas is available active duty service members and their command-sponsored family members who in overseas areas.
Learn more about TRICARE Prime Overseas.
TRICARE Global Remote Overseas
TRICARE Global Remote Overseas (TGRO) offers the Prime benefit in overseas remote locations to active duty service members and their command-sponsored family members.
Learn more about TGRO.
TRICARE Standard and Extra
TRICARE Standard and Extra are available to beneficiaries who elect or are not able to enroll in TRICARE Prime. Active duty service members may not use TRICARE Standard and Extra—they must enroll in of the Prime options described above.
Enrollment is not required to participate in TRICARE Standard and Extra—with these options you manage your own care. Beneficiaries may visit any TRICARE-authorized provider, however the type of provider you see, network or non-network determines which option you’re using and how much you pay out pocket.
When you visit a network provider, you’re using the TRICARE Extra option. Your provider will file claims on your behalf and you’ll pay less out of pocket. When you see a non-network provider, you’re using the TRICARE Standard option. You may have to file your own claims and you’ll pay more out of pocket than when you visit a network provider. You can use the options interchangeably, but you’ll need to keep track of the type of provider you’re seeing.
Learn more about TRICARE Standard and Extra.
TRICARE Standard Overseas
TRICARE Standard Overseas offers the TRICARE Standard option to beneficiaries living overseas who elect not or are unable to enroll in one of the overseas Prime options. TRICARE Standard Overseas is essentially the same program overseas as TRICARE Standard and Extra except that network providers are not available overseas so the Extra option is not available.
Learn more about TRICARE Standard Overseas.
TRICARE For Life
TRICARE beneficiaries, regardless of age, who are entitled to premium-free Medicare Part A and who have Medicare Part B coverage may use TRICARE For Life (TFL). With TFL, Medicare is your primary insurance, and TRICARE acts as your secondary payer minimizing your out-of-pocket expenses. TRICARE benefits include covering Medicare's coinsurance and deductible.
If you use a Medicare provider, he or she will file your claims with Medicare. Medicare pays its portion and electronically forwards the claim to the TFL claims processor. TFL pays the provider directly for TRICARE-covered services.
- For Medicare and TRICARE-covered services, Medicare pays first and TFL pays your remaining coinsurance for TRICARE-covered services.
- For services covered by TRICARE but not by Medicare, such as care received overseas, TFL pays first and Medicare pays nothing. You must pay the TRICARE fiscal year deductible and cost shares.
- For services covered by Medicare but not by TRICARE, such as chiropractic services, Medicare pays first and TFL pays nothing. You must pay the Medicare deductible and coinsurance.
- For services not covered by Medicare or TRICARE, such as cosmetic surgery, Medicare and TRICARE pay nothing and you must pay the entire bill.
Other than Medicare Part B monthly premiums, you’ll have minimal out-of-pocket costs when using TFL.
Learn more about TRICARE For Life.
US Family Health Plan
The US Family Health Plan is an additional TRICARE Prime-like option available through networks of community-based, not-for-profit health care systems in six areas of the United States.
Learn more about the US Family Health Plan.