TRICARE and Health Insurance for Army Soldiers

TRICARE is the military health program covering Army soldiers, veterans, and their families. This guide explains the difference between TRICARE Prime, Select, and Reserve Select - and when you need a supplement.

Quick Facts: TRICARE

Active Duty Cost
Free
Available Plans
Prime, Select, RS
Reserve Cost
Premium varies

TRICARE Plan Comparison

FeatureTRICARE PrimeTRICARE SelectReserve Select
Who It's ForActive duty + familyRetirees, some activeReserve/Guard
Active Duty CostFreeCost-share appliesNot available
NetworkMTF + civilian (referral)Any TRICARE providerAny TRICARE provider
Annual Enrollment Fee$0 active duty$0 active duty~$49/mo single
Dental/VisionTRICARE Dental separateSeparateSeparate

When Do You Need a TRICARE Supplement?

Active duty soldiers have TRICARE Prime at no cost with minimal cost-sharing. Supplements become important for:

TRICARE for Life

TRICARE for Life (TFL) is the Medicare wrap-around coverage for military retirees who are Medicare-eligible (age 65+). TFL covers most Medicare cost-sharing and is automatic once enrolled in Medicare Parts A and B. No additional premium beyond Medicare Part B.

TRICARE Plan ComparisonFull side-by-side analysis Eligibility CheckerWhich TRICARE plan fits you Disability InsuranceIncome protection beyond TRICARE

TRICARE FAQ

Yes. Active duty soldiers receive TRICARE Prime at no cost. Families of active duty soldiers pay only cost-shares for certain services. Dental and vision are separate programs with their own premiums.
Active duty TRICARE coverage ends 180 days after separation (or sooner if you start other employment with health benefits). Retirees with 20+ years can enroll in TRICARE Select or use TRICARE for Life when Medicare-eligible.
Army Reserve and National Guard members can enroll in TRICARE Reserve Select when not on active duty orders. Monthly premiums apply but are typically lower than civilian insurance plans.