Tricare Select Coverage Details

Tricare Select is a fee-for-service insurance plan that lets you see any doctor. If you visit a network doctor, you normally will have to pay only a small copay. This plan is available to active-duty family members, veterans and retirees. It is available worldwide.

If you visit an out-of-network doctor, you may have to pay all charges upfront and file a claim with Tricare for reimbursement. 

In general, Tricare Select has higher out-of-pocket costs than Tricare Prime.

Tricare Groups

Tricare has two groups of members: Group A consists of those who entered the military before Jan. 1, 2018, and Group B are those who entered on that date or later.

Enrollment Fee

For active-duty members and their families, there is no enrollment fee.

For family members of retirees in Group A, the annual enrollment fee is $181.92 for an individual and $364.92 for a family in 2025. 

For family members of veterans/retirees in Group B, there is a $579 individual or $1,158.96 family enrollment fee in 2025.

Retirees must pay their enrollment fee via allotment from their retired pay.

For information on how to enroll, see the Tricare website.

Deductible

The annual deductible is the amount you pay out of pocket before Tricare makes any payments. The 2025 deductible amounts are:

Group A:

• Active-duty family members, sponsor rank E-4 and below:
  • $50 Individual
  • $100 Family
• Active-duty family members, sponsor rank E-5 and above:
  • $150 Individual
  • $300 Family
• Retirees:
  • $150 Individual
  • $300 Family

Group B:

• Active-duty family members, sponsor rank E-4 and below:
  • $64 Individual
  • $128 Family
• Active-duty family members, sponsor rank E-5 and above:
  • $193 Individual
  • $386 Family
• Group B Retirees (in-network/out-of-network):
  • $193/$386 Individual
  • $386/$772 Family

Catastrophic Cap

The catastrophic cap is the maximum out-of-pocket amount you have to pay for Tricare-covered services. This amount changes every year. The 2025 catastrophic cap amounts are: 

• Active-Duty Group A: $1,000
• Active-Duty Group B: $1,288
• Retired Group A: $4,261
• Retired Group B: $4,509

Copay Amounts

A copay is what you usually must pay when you visit a doctor or the hospital, or you receive any health-care service. These amounts are for in-network care:

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