How does Tricare Extra differ from Tricare Prime?

Tricare Extra offers a different approach to healthcare access compared to Tricare Prime, particularly in that it does not require beneficiaries to select a primary care manager (PCM). This flexibility allows patients to seek care from any Tricare network provider without needing a referral from a PCM. This contrasts with Tricare Prime, which mandates that members must have a PCM to coordinate their care and refer them to specialists. As a result, Tricare Extra is often seen as providing greater autonomy for beneficiaries in choosing their healthcare providers, making it an appealing option for those who prefer more direct access to a broader range of providers without the oversight of a designated manager.

The other options do not accurately reflect key differences between these two Tricare programs. For instance, while co-pays can vary, they are not universally lower in Tricare Extra compared to Tricare Prime. Coverage levels are generally comparable, with network providers in both plans; hence, the assertion of limited coverage under Tricare Extra is not supported. Additionally, both programs are designed to serve active duty and retired service members along with their eligible family members, so the notion that Tricare Extra is only for retired members is not correct.