Tricare Standard Overview

TRICARE Standard and Extra

TRICARE Standard and Extra is a fee-for-service plan available to all non-active duty beneficiaries throughout the United States. Enrollment is not required. Coverage is automatic as long as you are registered in the Defense Enrollment Eligibility Reporting System.

TRICARE Standard and Extra is minimum essential coverage under the Affordable Care Act.

Tricare "At A Glance" Infographic

Eligible Beneficiaries

All eligible beneficiaries except active duty service members.


United States


TRICARE Standard and Extra provide comprehensive health coverage including:

  • Emergency Care
  • Outpatient Visits
  • Preventive Care (wellness exams, immunizations, etc.)
  • Hospitalization
  • Maternity Care
  • Mental/Behavioral health
  • Prescriptions

>>View a list of Covered Services

Getting Care

Schedule an appointment with any TRICARE-authorized provider, network or non-network. >>Find a Doctor

You will never need a referral for any type of care (routine, urgent or specialty) but you may need to have prior authorization from your regional contractor for some types of services.

  • If you visit a non-network provider, you're using the Standard option. You'll pay more out of pocket (5%) and may have to file your own health care claims.
  • If you visit a network provider, you're using the Extra option. You'll pay less out of pocket and the provider will file health care claims on your behalf.

>>Learn More about Getting Care

Out-of-Pocket Costs

Costs vary based on the sponsor's military status. After you've met an annual deductible, you're responsible to pay a cost share (or percentage). >>Learn More

Is TRICARE Standard and Extra Right for You?

Remember, active duty service members (including activated National Guard/Reserve members) may not use TRICARE Standard and Extra.  TRICARE Standard and Extra may be the right choice for you if you have a provider who is not in the TRICARE network and you don't want to change providers. Or, if you live in an area where TRICARE Prime is not available, TRICARE Standard and Extra may be your only option.