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Choosing Standard & Extra Eligibility Plan Overview
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Plan Overview
     


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 is 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 Standard, you choose TRICARE-authorized providers outside of the TRICARE network and pay higher cost-shares.  With TRICARE Extra, you choose hospitals and providers within the TRICARE network and receive discounted cost-shares.

Figure 1.1 provides a quick comparison of the two options. We will discuss specific provider types later in this handbook. For cost details, visit TRICARE's web site.

Figure 1.1 Comparison of TRICARE Standard and TRICARE Extra
 

TRICARE Standard1 TRICARE Extra

Provider Type

TRICARE-authorized, non-network TRICARE-authorized, TRICARE network
Outpatient cost-share after deductible is met
  • ADFMs:  20% of the TRICARE allowable charge
  • Retirees, their families, and all others:  25% of the TRICARE allowable charge
  • ADFMs:  15% of the negotiated rate
  • Retirees, their families, and all others:  20% of the negotiated rate
1. Nonparticipating providers may also charge up to 15 percent above the TRICARE-allowable charge. You are responsible for paying this amount. For more information, see "TRICARE Provider Types" in the Getting Care section.
 
Last Reviewed: June 9, 2010