TRICARE Extra and TRICARE Standard are available for TRICARE-eligible beneficiaries who are not able to or who choose not to enroll in TRICARE Prime. Active duty service members are not eligible for TRICARE Extra or TRICARE Standard. There is no enrollment required for either option—no annual enrollment fees and no enrollment forms. Beneficiaries are responsible for annual deductibles and cost-shares.
Differences between TRICARE Extra and TRICARE Standard
TRICARE Extra
TRICARE Standard
Provider Type
In network
Not in network, but still an authorized provider
Cost-share after deductibles
15% for active duty families
20% for active duty families; nonparticipating providers may also “balance bill” up to 15% above the TRICARE allowable charge
20% for retirees and their families
25% for retirees and their families; nonparticipating providers may also “balance bill” up to 15% above the TRICARE allowable charge
TRICARE Extra is a preferred provider option (PPO). This means you choose a doctor, hospital, or other medical provider within the Humana Military provider network to take advantage of lower costs and less paperwork.
TRICARE Standard is a fee-for-service option. With TRICARE Standard, you may seek care from any TRICARE-authorized provider. The chart above shows the main differences between TRICARE Extra and TRICARE Standard.
To locate a medical provider in the network, visit the Humana Military Provider Locator. If you are already seeing a provider or want to begin seeing a provider who is not in the TRICARE network, contact Humana Military at 1-800-444-5445 or visit the TRICARE Provider Directory to find out if they are TRICARE-authorized. You can also have your provider call Humana Military to learn how to become a TRICARE network provider.
