What do beneficiaries have to pay under Tricare Extra and Tricare Standard?

• A. Annual deductible and co-payments
• B. Monthly premiums only
• C. No costs, fully covered
• D. Only out-of-pocket maximums

Answer: (A)

Beneficiaries under Tricare Extra and Tricare Standard are required to pay an annual deductible and co-payments for the healthcare services they receive. This structure means that beneficiaries are responsible for certain costs associated with their healthcare, which may include both a set amount that must be paid before Tricare begins to cover costs (the annual deductible) and a percentage or fixed dollar amount that must be paid for specific services or visits (co-payments).

This payment model encourages beneficiaries to consider their healthcare choices, as they will incur costs based on the type of care they seek. The annual deductible needs to be met before cost-sharing begins, and subsequent co-payments apply to various types of services, making this system a mix of insurance coverage where beneficiaries have defined financial responsibilities.

Other options do not correctly represent the cost structure. For instance, paying only monthly premiums would suggest a different type of plan largely based on premiums with few out-of-pocket expenses, which does not align with Tricare Extra and Tricare Standard. Conversely, saying there are no costs implies completely free services, which is not accurate in these cases. Lastly, focusing solely on out-of-pocket maximums overlooks the essential roles of deductibles and co-payments that are integral to these programs.