Frequently Asked Questions
Will I be able to keep my doctors and other health care providers?
It depends. If you have:
- A TRICARE Prime plan and your regional contractor is changing, it will depend on if your doctor and other health care providers are in the new network.
- Any other plan, you will be able to see your doctors, as long as they are TRICARE authorized.
The new network provider directories will be released in November 2017.
Will there be differences in covered services between TRICARE Prime and TRICARE Select?
There is no difference in covered services between Prime and Select, except for some specialized services in certain military hospitals and clinics.
I have other health insuranceHealth insurance you have in addition to TRICARE, such as Medicare or an employer-sponsored health insurance. TRICARE supplements don’t qualify as "other health insurance." (OHI) through my employer and use TRICARE Standard as a second payer. What changes for me?
In 2018, you will be automatically enrolled in TRICARE Select. Beginning in 2019, you will need to enroll in TRICARE Select and pay enrollment fees and new cost-shares that apply to your group. If you choose to disenroll, you will no longer be able to file claims with TRICARE as a second payer to your OHI and will lose access to the TRICARE pharmacy benefit.
What if I have two family members in Prime and a family member in Select? Do I have to pay separate enrollment fees?
Yes. Separate plans require separate enrollment fees. Enrollment fees only apply to retiree enrollees.
I have a TRICARE supplemental insurance through a commercial insurance company. How will these changes affect me?
These aren’t government plans, and changes are entirely dependent on the commercial insurance company offering the plan. You should research the costs and benefits of these plans in light of changes in enrollment fees and cost shares beginning Jan. 1, 2018.
What if I travel south during the winter and come back north during the summer, can I change my coverage plan?
During 2018, open enrollment is available to all beneficiaries. Starting Jan. 1, 2019, you may only change your enrollment during the open enrollment season or a Qualifying Life Event (QLE).
Will deductibles or cost shares reset in October or January?
Payments that would normally count toward catastrophic caps and deductibles until October 1, 2017, will continue to count until January 1, 2018. This means that enrollees who reach their fiscal yearOctober 1 - September 30 2017 catastrophic caps will not have additional out-of-pocket costs for authorized TRICARE-covered services for the last three months of calendar year 2017.