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TRICARE Standard and Extra:
Key Features
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Beneficiaries who are eligible to use TRICARE Standard and TRICARE Extra include:
- Active duty family members
- Family members of National Guard and Reserve members on active duty for more than 30 consecutive days (under federal orders)
- Retired service members
- Family members of retired service members
- Survivors
- Others (i.e., certain former spouses, Medal of Honor recipients, etc.)
Beneficiaries who are not eligible to use TRICARE Standard and TRICARE Extra include:
- Active duty service members
- Activated National Guard and Reserve members
- Any beneficiary enrolled in one of the TRICARE Prime options. You must disenroll before using TRICARE Standard and TRICARE Extra.
- Dependent parents and parents-in-law
Active duty service members and activated National Guard and Reserve members* must enroll in TRICARE Prime or TRICARE Prime Remote. Active duty family members, retired service members and their families, survivors, and others have the choice of enrolling in TRICARE Prime or using TRICARE Standard and TRICARE Extra.
Enrollment is not required for TRICARE Standard and TRICARE Extra—there are no enrollment forms to fill out and no enrollment fees. You may use TRICARE Standard and TRICARE Extra interchangeably as often as you like, but it’s important to understand the differences between the two.
The key difference between TRICARE Standard and TRICARE Extra is in the providers that you use for care. With TRICARE Extra, you choose hospitals and providers within the TRICARE network and enjoy discounted costshares. With TRICARE Standard, you choose TRICARE-authorized providers outside of the TRICARE network and pay higher cost-shares.
* Activated National Guard and Reserve members will enroll in one of the TRICARE Prime options at their final duty station.
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TRICARE Standard (1) |
TRICARE Extra |
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Provider Type
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Not in network, but still a TRICARE-authorized provider |
In network |
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Outpatient
cost-share after deductible is met
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Active Duty Families:
20% of the TRICARE allowable charge
Retirees, Their Families, and All Others:
25% of the TRICARE allowable charge |
Active Duty Families:
15% of the negotiated rate
Retirees, Their Families, and All Others:
20% of the negotiated rate |
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Claims
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You may be required to file your own TRICARE claims. |
Network providers file claims for you. |
1 Nonparticipating providers may also charge up to 15% above the TRICARE allowable charge. You are responsible for paying this amount. TRICARE will not pay it.
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