Scenario 4: My husband is an active duty service member, but I have health insurance through my employer.
Look carefully at your employer-sponsored health plan. If the health plan is a health maintenance organization (HMO), in which you have to use doctors in the plan's network, enrolling in TRICARE Prime may not be your best option. Because TRICARE Prime and your other health insurance both require you to use doctors in a specific network, they may require you to use different providers.
If you use TRICARE Standard and/or TRICARE Extra as a secondary insurance to your employer-sponsored health plan, you can see TRICARE-authorized network or non-network providers and TRICARE will pay its portion for covered services after your employer-sponsored health plan has paid its portion.
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