TRICARE Select is a preferred provider organization plan that's available for retirees. You can see any TRICARE-authorized provider and typically don't need referrals to see a specialist. Depending on your military status, you may pay an enrollment fee or annual premium. TRICARE Select annual premiums are generally much lower than most private health insurance options. For example, 2023 premiums for family coverage cost just under $1,100 for the year. You'll have a deductible to meet as well as a maximum out-of-pocket limit. Out-of-pocket expenses will be lower when you receive care within the TRICARE Select network. Out-of-network expenses will be at a higher coinsurance rate. , GetCoveredNYC can help connect all New York City Veterans to appropriate health care coverage options, including VA health care, if you're eligible., Depending on your household size and income, you may be able to get lower costs on monthly premiums and out-of-pocket costs on private insurance. Or you may qualify for free or low-cost coverage through Medicaid or the Children's Health Insurance Program (CHIP)..