Which group of individuals may access TRICARE services without needing a referral according to TRICARE Select?

The correct choice is based on the structure of TRICARE Select, which allows beneficiaries the flexibility to access a broader range of healthcare providers without the need for a referral. Under TRICARE Select, eligible individuals can choose any authorized network or non-network provider to receive care. This system is designed to empower beneficiaries by providing them with more options for their healthcare needs, which includes scheduling appointments directly with their chosen providers.

Active duty service members typically follow a different protocol and often need to go through a primary care manager for referrals for specialty care. Individuals needing emergency care also have specific provisions, but they do not fit the broader category described in the question, as the focus is on ongoing care rather than emergencies. Retired service members can certainly access TRICARE services, but the option for choosing any provider without a referral is not limited to them alone, as it applies broadly to all TRICARE Select beneficiaries. Thus, the option highlighting beneficiaries who can select any authorized healthcare provider correctly captures the essence of TRICARE Select's access provisions.