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The Pros & Cons of Tricare Prime and Tricare Select Plans

Updated: May 12



Military families have the unique benefit of choosing from two different health plans- Tricare Prime and Tricare Select. Both options offer great coverage, but they each have their own set of pros and cons. In this blog post, we'll break down the key differences between the two plans to help you decide which is right for you and your family.


IWC Primary Care, An Innovative Wellness Clinic part of Sharp Community Medical Group

-San Diego, CA


Tricare Prime vs. Tricare Select


Tricare Prime is the managed care option for military families. This means that you will have access to a network of doctors and hospitals that have been approved by Tricare. You will need to get a referral from your primary care doctor in order to see a specialist. There is an annual enrollment fee for this plan, but no deductibles or co-pays.


Tricare Select is the fee-for-service option for military families. This means that you can see any doctor that accepts Tricare, regardless of whether or not they are in the network. You will need to pay an annual deductible as well as co-pays for office visits and prescriptions.





Which plan is right for you?


According to the experiences we have with our Tricare patients at IWC Primary Care, the best way to determine which plan is right for you is to consider your particular needs and circumstances.


Are you comfortable sticking to a network of doctors, or do you prefer the flexibility of being able to see anyone?


Do you need regular access to specialists, or can you wait to get a referral from your primary care doctor?


Are you willing to pay more out-of-pocket costs in exchange for lower premiums?


By answering these questions, you should be able to narrow down your choice to either Tricare Prime or Tricare Select.



Both Tricare Prime and Tricare Select offer great coverage for military families. The best way to decide which plan is right for you is to consider your specific needs and situation. If you're comfortable with a managed care system and don't mind sticking to a network of doctors, then Tricare Prime may be the right choice for you. However, if you prefer the flexibility of being able to see any doctor that accepts Tricare, then Tricare Select may be a better option. Whichever plan you choose, you can be sure that you're getting great coverage for yourself and your family.



Welcome to IWC Primary Care, part of the esteemed Sharp Community Medical Group (SCMG). We are a Family Medicine Practice in Spring Valley, a suburb in San Diego, CA dedicated to delivering top-notch healthcare services include precise diagnosis, tailored medication prescriptions, and diligent follow-ups to ensure your well-being.


We take a patient-centered approach to healthcare. Our commitment to excellence is evident from the moment our patients step through our doors: they are greeted with warmth and kindness by front office staff before being seen by our professional, yet friendly primary care providers. Our primary care team provides a tailored and personalized experience with compassionate support. Using both conventional and integrative medicine, we can address potential issues before they happen. We promise to listen and understand your health concerns during your appointment.





Our passionate clinical team strives to provide top-tier services that prioritize everyone's unique needs. We integrate both conventional and integrative medicine into our treatment plans for maximum efficacy in addressing potential issues before they can arise. During your appointment we promise a fully attentive experience focused on listening and understanding all concerns regarding your wellbeing.







Find us on Google listed under "Tricare Doctor Spring Valley" or simply search "Clinics near me that accept tricare."





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