Any TRICARE-authorized provider who hasn't joined the network is a non-network provider. Seeing a network provider is always your best choice—you'll pay less and the provider will file claims for you.
If you do visit a non-network provider, check first to see if the provider is accepting TRICARE patients. Non-network providers who have accepted TRICARE in the past may not always accept TRICARE.
Find a Non-Network Provider
If a provider listing does not include a phone number, check your local telephone directory.
When You'll See a Non-Network Provider
You'll see non-network providers when using TRICARE Standard, TRICARE Reserve Select, TRICARE Retired Reserve, TRICARE Young Adult-Standard Option or if enrolled in TRICARE Prime Remote and there are no network providers available in your remote location.
If enrolled in TRICARE Prime, you may see a non-network provider only if:
- you decide to use the point-of-service option, or
- its approved by your regional contractor because no other providers are available.
Participating vs. Non-Participating Providers
There are two types of non-network providers: participating and non-participating.
Participating Providers—Your Less Expensive Option
Participating providers accept the TRICARE allowable charge as payment in full for their service and will accept the payment directly from TRICARE. What this means for you is:
- You only have to pay your cost share when you visit the doctor.
- The provider will collect the remaining amount directly from TRICARE.
- You will not have to file claims
Because participating providers are non-network and do not have an agreement with TRICARE, they may particpate on a case-by-case basis
Non-Participating Providers—Your Most Expensive Option
Non-participating providers won't accept the TRICARE allowable charge as the payment in full and they won't normally file claims with TRICARE. What this means for you is:
- You'll probably be required to pay the full amount to the provider and file a claim with TRICARE for a reimbursement (minus your cost share).
- The provider has the legal right to charge up to 15% of the TRICARE allowable charge. Any charges above the allowable charge are your responsibility and will not be reimbursed.
Interested in Becoming a Provider?
If you are interested in becoming a TRICARE provider, visit the Information for Providers page.