Compare TRICARE Plan Costs to Prepare for TRICARE Open Season


With TRICARE Open Season right around the corner, now is the time to review your 2020 TRICARE health plan costs. Between Nov. 11 and Dec. 9, you can enroll in or change your TRICARE plan. Choose from TRICARE Prime (including the US Family Health Plan) or TRICARE Select for 2020 coverage. Remember that your health care costs depend on your health plan and who you are.

“To prepare for open season, now is a good time to look at 2020 costs and think about how much health care coverage you’ll need for the coming year,” said Mark Ellis, chief of the Policy and Programs Section of the TRICARE Health Plan at the Defense Health Agency.

Use the TRICARE Compare Cost Tool to research plans and costs. The tool lets you view side-by-side cost comparisons for the various TRICARE plans. You can also compare next year’s costs to this year’s costs.

“If you’re thinking about changing your health care plan during open season, comparing costs will help you decide what’s best for you and your family,” said Ellis. “Not only are you able to compare TRICARE Prime and TRICARE Select costs, you can see the costs for individuals and families.”

The TRICARE Compare Cost Tool shows you copayments, enrollment fees, deductibles, catastrophic cap, and costs for TRICARE-covered services, if applicable. As described in the TRICARE Costs and Fees Sheet, active duty service members pay no out-of-pocket costs for care. Their family members only pay for care when using a TRICARE Prime plan if they get care without a referral, when they use TRICARE Select, or if they use a TRICARE retail network pharmacy or TRICARE Pharmacy Home Delivery. There’s no cost for services received at a military hospital or clinic, except for a per-day fee when receiving inpatient care. You can visit Cost Terms for definitions to help you better understand your TRICARE costs.

You have three selections to make before you can compare the costs of two or more health plans:

  1. Choose your health plan.
  2. Choose your sponsor status.
  3. Choose the date the sponsor entered the uniformed service.

If you have TRICARE For Life (TFL), remember that TRICARE Open Season doesn’t apply to you. TFL coverage is automatic if you have Medicare Part A and Part B. Medicare costs may change for 2020. To make sure you have the latest Medicare cost information, visit the Medicare website.

Take command of your health coverage and costs in the upcoming TRICARE Open Season. Also, be sure to download the 2020 TRICARE Costs and Fees Sheet for an additional cost reference when making a choice for next year. For more information when choosing a plan for you and your family this fall, you can use other TRICARE online tools to help you find a TRICARE plan or compare TRICARE plans.

At the time of posting, this information is current. For the most recent information, contact your TRICARE contractor or local military hospital or clinic.

Last Updated 8/20/2021