Which TRICARE plan is the best fit for you?

You have a choice of TRICARE plans—and there are some important differences that may affect which plan works best for you and your family. In general, the plans that allow more flexibility in where you get your care are the ones that cost you more.

TRICARE Standard

You can go to any physician who accepts TRICARE payment. You pay deductibles and a percentage of the charges for medical services. These out-of-pocket deductibles and cost shares can make this more expensive than the other TRICARE options. You may have to file claims yourself, so there can be a lot of paperwork Annual physicals and routine care are not covered.

TRICARE Extra

With this plan, you have a network of preferred health care providers. You pay deductibles and a percentage of the medical costs. You also have the option to go outside the network, to any provider who accepts TRICARE payment, but your out-of-pocket costs will be higher when you get care from providers who are not part of the TRICARE Extra network, and you face considerable paperwork. Annual physicals and routine care are not covered.

TRICARE Prime

This plan gives you more comprehensive coverage than TRICARE Standard or TRICARE Extra, and at a lower cost. Health care is provided within the plan’s provider network, usually based around Military Treatment Facilities (MTFs). Your primary care physician provides most of your care and coordinates your referrals to specialists and hospitals. There’s very little paperwork. Unlike other TRICARE plans, TRICARE Prime covers annual physicals and routine care. TRICARE Prime has a Point of Service option that allows you to seek care outside the network, but at higher cost.

US Family Health Plan is one of your choices for TRICARE Prime here in southern New England. Health care is provided within a large local civilian health care network of primary care physicians, hospitals and affiliated specialists. (US Family Health Plan has a Point of Service option that allows you to seek care outside the network, but at higher cost.) You choose a doctor who provides most of your care and coordinates your referrals to specialists and hospitals. Annual physicals are covered. There’s no virtually paperwork. And year after year, US Family Health Plan rates in the 99th percentile nationally for member satisfaction.


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When you’re ready to enroll, start here.

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