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Family members are covered by TRICARE Standard and TRICARE Extra as soon as they become eligible in DEERS.
Note: National Guard and Reserve members may not use TRICARE Standard and TRICARE Extra when activated.
With TRICARE Standard, family members may receive care from any non-network, TRICARE-authorized provider. They may need to pay up front and file their own health care claims.
With TRICARE Extra, family members receive care from a TRICARE network provider. The out-of-pocket expense is less than TRICARE Standard, and TRICARE network providers will file claims on their behalf. TRICARE Extra is not available overseas.
Referrals are not required for care under TRICARE Standard and TRICARE Extra. Family members may schedule an appointment with any TRICARE-authorized provider—network or non-network—but some medical services or procedures may require prior authorization. Humana Military has additional prior authorization requirements. Visit Humana Military’s Prior Authorization list or call 1-800-444-5445 to learn about their requirements, as they may change periodically.
TRICARE Standard and TRICARE Extra can be used interchangeably, but it’s important to understand the key differences related to the type of provider used (non-network or network). For more information, refer to the TRICARE Standard Handbook. Utilize Humana Military's Provider Locator feature to find a network provider.
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