Your assigned PCM will guide you every step of the way. You always know where to go for initial care, and getting appointments with your PCM is easy. This is the most economical option for most people. You pay no deductibles and only modest fixed fees for civilian care in the civilian network. There is no paperwork for you to fill out.
Civilian providers file their claims for payment directly with the contractor.
You must use assigned PCM and Prime network for all care, except true emergencies. For most people this is not a problem. Retiree families must pay enrollment fees whether they use care or not. But those who need little care might pay less under other options. Under this option, individuals do not enroll and retain their freedom to choose any provider.