TRICARE Reserve Select is a premium-based health plan available worldwide to Selected Reserve members of the Ready Reserve (and their families) who are not eligible for or enrolled in the Federal Employee Health Benefits (FEHB) program (as defined in Chapter 89 of Title 5 U.S.C) or currently covered under FEHB, either under their own eligibility or through a family member.
Plan Overview
When enrolled in TRICARE Reserve Select, you may visit any TRICARE-authorized provider, network or non-network. Care at military treatment facilities is on a space-available basis only. You do not need a referral for any type of care but some services may require prior authorization.
The type of provider you see determines how much you'll pay out-of-pocket. If you're visiting a network provider, you'll pay less out of pocket and the provider will file claims for you.
Out-of-Pocket Costs
TRICARE Reserve Select premium rates are established annually on an calendar year basis. You are required to pay the monthly premiums if you decide to enroll in TRICARE Reserve Select. The 2010 monthly premiums are:
- TRS Member-Only coverage: $49.62 per month.
- TRS Member-and-Family coverage: $197.56 per month.
After you've met an annual deductible, you're responsible to pay a cost-share (or percentage). Here's a quick snapshot of TRICARE Reserve Select costs for fiscal year 2010:
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Type of Provider
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Outpatient Cost Share
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Inpatient Cost Share
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Network Providers
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15% of the negotiated rate
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$16.30 per day ($25 minimum charge)
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|
Non-Network Providers
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20% of the TRICARE allowable charge
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$16.30 per day ($25 minimum charge)
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Download the Summary of Beneficiary Costs Flyer for more specific details. Click here to learn more about the TRICARE Allowable Charge.
Is TRICARE Reserve Select Right for You?
TRICARE Reserve Select is a great option for you and your family if you are:
- a member of the Selected Reserves of the Ready Reserve,
- not on active duty orders or covered by the Transitional Assistance Management Program, and
- not eligible for or enrolled in the FEHB,
The plan provides comprehensive health care coverage when you're not activated and covered by active duty TRICARE benefits. And, because you can see any provider, you don't have to change providers if you already have one. For more information, download a copy of the TRICARE Reserve Select Flyer.
Purchasing TRICARE Reserve Select
Purchasing TRICARE Reserve Select (TRS) ia a 2-step process.
Step 1: Qualify
Follow these steps to qualify for TRS:
- Log on to the TRICARE Reserve Select Portal.
- Follow the instructions.
- Print and sign the TRS Request Form (DD Form 2896-1)
Step 2: Purchase
You may purchase the plan at any time throughout the year, there are no tiers or open seasons. Mail or fax your completed TRS Request Form along with the first month's premium payment to your regional contractor within the specified deadline.
