Understanding TRICARE benefits is essential when it comes to the well-being of military personnel and their families. TRICARE, the healthcare program for uniformed service members, retirees, and their families, plays a crucial role in providing access to quality and affordable medical services. At the Armed Forces Benefits Network, we aim to help military families discover their benefits for success. Here is our guide to TRICARE benefits to help you navigate the intricacies and make informed healthcare decisions. 

What is TRICARE?

TRICARE is a comprehensive healthcare program that has served military families for decades. Created to ensure that those serving our country have access to affordable and high-quality healthcare, TRICARE offers several plan options to meet various needs. From TRICARE Prime, TRICARE Select, TRICARE Life, and Reserve Select, the program provides a variety of coverage options that cater to different circumstances. Not sure which program might suit you? Contact one of our helpful advisors for assistance. 

Key TRICARE Benefits

TRICARE covers a wide array of medical services and treatments. Whether you require routine check-ups, specialist consultations, or emergency care, TRICARE has you covered. Additionally, prescription medications, preventive care, and wellness programs are integral parts of the benefits package. This means you can proactively manage your health and well-being while at home or away. 

One of the most significant advantages of TRICARE is its mental and behavioral health services coverage. Your mental well-being matters, and TRICARE acknowledges this by offering support for those struggling with their mental health and assistance with counseling sessions. 

Understanding TRICARE Costs

While TRICARE offers extensive coverage, it’s essential to understand the associated costs. Premiums, deductibles, copayments, and annual out-of-pocket maximums are some of the financial aspects to consider. Your plan type and status can influence your costs, so it’s crucial to budget accordingly. An advisor at AFBN can help you review your financial obligations and assist you in selecting a plan you can afford. Understanding these financial aspects allows you to plan for potential expenses and maximize your TRICARE benefits. 

Navigating TRICARE Plans

Two of the primary TRICARE plan options are TRICARE Prime and TRICARE Select. Each plan type has its benefits and considerations. TRICARE Prime offers comprehensive coverage focusing on primary care providers and referrals, while TRICARE Select provides more flexibility in choosing healthcare providers. Depending on your preferences and healthcare needs, you can decide which plan best fits your situation. 

Enrollment and Updates

Enrolling in a TRICARE plan is a straightforward process. By following the steps provided on the TRICARE website, you can ensure that you and your family are covered. If you need help determining which plan might be best for you and weighing the financial aspects, AFBN is here to help. Visit one of our convenient locations across the US, or give us a call. It’s also essential to keep your information current, especially in the event of a life change, such as a new family member or change of address. Staying informed and proactive in updating your details guarantees that you receive the appropriate benefits. 

TRICARE for Families and Dependents

TRICARE benefits extend to your family members and dependents. Spouses, children, and other dependents are eligible for coverage under specific plans. Additionally, the Extended Health Care Option (ECHO) provides essential support for family members with special needs. TRICARE’s dedication to the well-being of military families shines through these offerings. 

Additional TRICARE Resources

To make the most of your TRICARE benefits, take advantage of the numerous resources available. The TRICARE website provides a wealth of information, including plan comparisons and cost calculators. If you ever need personalized assistance, reach out to your local TRICARE office or helpline. You can also contact an AFBN advisor for assistance navigating your benefits and offer financial advice. Staying informed empowers you to make positive healthcare decisions. 


Understanding TRICARE benefits is not just about accessing medical services; it’s about securing the health and well-being of military personnel and their families. TRICARE’s comprehensive coverage options, mental health support, and an array of resources underscore its commitment to those who serve our country. By making yourself aware of the details of TRICARE benefits and plans, you are taking a proactive step toward ensuring your family’s health, both now and in the future. 

At AFBN, we are well-versed in all aspects of military benefits for you and your family. Make informed decisions by consulting with one of our experienced advisors. Contact the nearest AFBN office today!