What is the TRICARE catastrophic cap?


The catastrophic cap is the most you pay out-of-pocket for covered services each year (January – December). Your deductible, copayments, and cost-shares (including pharmacy) apply to your catastrophic cap. Check your explanations of benefits (EOB) or call your TRICARE contractor to see if you met your catastrophic cap. Once you meet your catastrophic cap, you won’t pay for covered services for the rest of the year. This doesn’t apply to point-of-service charges.



2024  Calendar Year Catastrophic Cap for TRICARE Plans Stateside and Overseas

Your sponsor’s status and beneficiary group determine your catastrophic cap for the plans below.

          Group AIf you or your sponsor’s initial enlistment or appointment occurred before January 1, 2018, you are in Group A. Group BIf you or your sponsor’s initial enlistment or appointment occurs on or after January 1, 2018, are in Group B.
 Active Duty Family Members           $1,000/family $1,256/family
 Retirees and Family Members of Retirees

$3,000/family (TRICARE Prime)

$4,157/family (TRICARE Select)

 TRICARE Reserve Select Follow Group B $1,256/family
 TRICARE Retired Reserved Follow Group B $4,399/family

 TRICARE Young Adult-Prime Option or

 TRICARE Young Adult-Select Option

Follow Group B

$1,256 for an active duty family member

$4,399 for a family member of a retiree 

 Continued Health Benefit Program
Follow Group B $4,399/family

Note: Point-of-service charges and TRICARE Reserve Select, TRICARE Retired Reserve, and TRICARE Young Adult premiums don’t count towards your catastrophic cap.



   2024  Calendar Year Catastrophic Cap for TRICARE For Life Stateside and Overseas
Retirees and Family Members of Retirees   $3,000


Contact Information
East Region Contractor (Humana Military)

West Region Contractor (Health Net Federal Services, LLC)

TRICARE For Life Overseas Contractor (International SOS)
Country-Specific Toll-Free Numbers

TRICARE For Life Contractor (Wisconsin Physicians Service)
1-866-773-0404 / TDD 1-866-773-0405

TRICARE Overseas (including U.S. Territories) International SOS (Overseas Contractor)
Country-Specific Toll-Free Numbers

Last Updated 3/29/2024