TRICARE provides health care coverage for active duty personnel, retirees, eligible dependent family members and others who qualify. But how much does TRICARE coverage actually cost?
TRICARE for Life (TFL)
TRICARE for Life beneficiaries do not pay enrolment fees, but they are required to pay Medicare Part B premiums on a monthly basis. The amount you pay will depend on your income. To learn more about Medicare Part B premiums call Social Security at 1-800-772-1213 or visit www.medicare.gov for more information.
Active duty personnel do not pay any enrolment fees for TRICARE Prime or any out-of-pocket medical expenses, as long as the medical care is provided at the Military Treatment Facility (MTF) or with a doctor’s referral. Other TRICARE Prime beneficiaries must pay an annual enrolment fee of $230 for individuals or $460 for families. Military Treatment Facility care is provided free of charge.
TRICARE Prime Remote/Overseas
TRICARE Prime Remote or Overseas beneficiaries do not pay any fees or out-of-pocket expenses, provided care is offered from the Primary Care Manager (PCM) or with a referral.
TRICARE Standard and Extra
TRICARE Standard and Extra fees depend on the sponsor’s status. The fees vary depending on whether the sponsor is active duty or retired. Once an annual deductible has been met, patients must pay a cost-share. Rates vary from 15-25% for inpatient and outpatient services.
TRICARE Standard Overseas
As with TRICARE Standard and Extra, the cost of TRICARE Standard Overseas depends on the status of the sponsor. After members have met an annual deductible, they must also pay a cost-share. Costs for inpatient and outpatient care vary from 20-25% depending on the sponsor’s status and the type of care received.
TRICARE Reserve Select
Rates are adjusted annually for TRICARE Reserve Select beneficiaries. In 2010, the monthly premiums were $49.62 for members only and $197.65 for Member-and-Family coverage. In addition to monthly premiums, TRICARE Reserve Select beneficiaries must also pay a cost-share after they have met the annual deductible, which is between 15-20% for inpatient or outpatient care. The rate depends on whether care was received from a network provider or a non-network provider.
TRICARE coverage costs vary depending on the plan you are registered with. For a full breakdown of TRICARE costs, including costs for TRICARE Retired Reserve and US Family Health Plan members, refer to the TRICARE: Summary of Beneficiary Costs for more detailed information.