Active duty family members on TRICARE Select are not required to have a PCM, but may use civilian providers as their PCM. While you can choose in-network or out-ofnetwork providers, out-of-network providers have a higher cost share. Families on TRICARE Select do not need referrals for specialty care through a specialty MD, but they do need a referral and authorization for ABA services. No referral is needed to use an approved urgent care clinic, and no POS deductibles or cost shares apply when urgent care is provided by a TRICARE network provider or a TRICARE-authorized (network or non-network) Urgent Care Center (UCC) or Convenience Clinic (CC).
The program does have deductibles, cost shares, and co-pays. For active duty and retired family members, there is a catastrophic cap on how much a family has to pay in a year. Once the family hits that cap, their care (including prescription drugs) is largely free for the family for the remainder of the calendar year. These costs are subject to change, so check TRICARE’s website for the most recent cost sheets related to your plan.