Military Health Insurance also known as TRICARE is the healthcare program for the United State military system.
It provides the same kind of benefit civilians have but TIRCARE is only eligible for military personal and retirees, including dependents and some member of the reserve. TRICARE is administered by TRICARE Management Activity and comes under the authority of the Assistant Secretary of Defense. Though this military health insurance is largely applied to civilian healthcare facilities and physicians, it also includes care delivered on military posts and bases.
TRICARE Standard is similar to the original military health insurance or CHAMPUS. TRICARE beneficiaries can use go to any civilian healthcare provider which accepts it. The insured will be responsible for any deductibles and co-insurance and other out-of-pocket expenses. TRICARE Standard has no annual fee.
TRCIARE Extra is similar to a preferred provider organization (PPO). With this type of military health insurance, the beneficiary’s co-insurance is usually reduced by at least 5%. TRICARE Extra has no annual fee.
TRICARE Prime is modeled after a health maintenance organization (HMO). With TRICARE Prime, beneficiaries choose a primary care physician (PCP) who will then refer them to specialists. Due to these restrictions, beneficiaries are responsible for smaller co-payments. TRICARE Prime has no enrollment fee for active duty and their families.
TRICARE Reserve Select
TRICARE Reserve Select is a premium-based plan that members of the National Guard and Reserve can qualify for and may be referred to as TRICARE Reserve Component. This coverage requires a monthly premium and has coverage similar to TRICARE Standard and TRICARE Extra.
TRICARE for Life
TRICARE for Life is designed to pick up where Medicare payments end. You do not need to enroll but you must be Medicare and TRICARE eligible. You must also purchase Medicare Plan B except when the beneficiary is Medicare eligible and also the spouse of an active duty member of the military. In many instances Tricare for Life may be used in lieu of Medicare where it does not cover medical services or prescription drugs.