A catastrophic cap is the most you pay out of pocket for covered services each year. This protects you because it limits the amount of out-of-pocket expenses a family pays for TRICARE covered medical services. For active duty family members or families using TRICARE Reserve Select (TRS), the cap is $1,000 per family, per year. What happens when you reach your catastrophic cap in a calendar year? You do not pay any more of the TRICARE-allowable charge for covered services. But you will have to pay for services that do not fall under the catastrophic cap protection. For more information, download the Costs and Fees Sheet on the TRICARE Publications webpage.
For complete guides on TRICARE programs, visit the Military.com TRICARE section.