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Understanding TRICARE Select for Military Spouses: A Comprehensive Guide for 2026

"TRICARE Select (TS) for wives and other military spouses is a self-managed, preferred provider organization (PPO) health plan that offers maximum flexibility in choosing healthcare providers. Unlike the Prime option, TRICARE Select does not require a Primary Care Manager (PCM) or referrals for most specialty appointments, though it involves higher out-of-pocket costs such as annual deductibles and cost-shares. For military families navigating the complexities of healthcare, the choice between TRICARE Prime and TRICARE Select is one of the most significant financial and medical decisions they will make. While the military lifestyle often manda..."

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