Can retirees seek care from any TRICARE provider?

Retirees have the flexibility to seek care from any TRICARE provider, and the costs may vary depending on whether the provider is in-network or out-of-network. When a retiree chooses to see an in-network provider, they typically benefit from lower out-of-pocket costs due to negotiated rates that TRICARE has with those providers. However, if they opt to see a provider outside of the TRICARE network, their share of the costs could increase, reflecting the absence of negotiated pricing and potentially higher billed charges. This means that while retirees do have the freedom to choose their healthcare providers, understanding the implications of that choice on their expenses is essential for effective planning and accessing care.