TRICARE Reserve Select®

TRICARE Reserve Select is: 

  • A premium-based plan
  • Available worldwide
  • For qualified Selected Reserve members and their family members

Who Can Participate?

Members of the Selected Reserve (and their family members) who meet the following qualifications:

  • Not on active duty orders for more than 30 days
  • Not covered under the Transitional Assistance Management Program
  • Not eligible for or enrolled in the Federal Employees Health Benefits. If your spouse is a member of the Selected Reserve and qualifies to purchase TRS coverage (not eligible for, or enrolled in, FEHB), you may be covered under TRS through their enrollment.

Note: Survivor coverage isn't affected by FEHB eligibility.

Note: Individual Ready Reserve members, including Navy Reserve Voluntary Training Units, don't qualify to purchase TRS.  

How It Works

Schedule an appointment with any TRICARE-authorized providerAn authorized provider is any individual, institution/organization, or supplier that is licensed by a state, accredited by national organization, or meets other standards of the medical community, and is certified to provide benefits under TRICARE. There are two types of TRICARE-authorized providers: Network and Non-Network. DS.

  • If you visit a non-network provider, you'll pay higher cost-shares and may have to file your own healthcare claims.
  • If you visit a network provider, you'll pay lower cost-shares and the provider will file healthcare claims for you.
  • You can request an appointment at a military hospital or clinic if space is available. 

Referrals aren't required for any type of care, but you may need pre-authorization from your regional contractor for some types of services.

If you have other health insuranceHealth insurance you have in addition to TRICARE, such as Medicare or an employer-sponsored health insurance. TRICARE supplements don’t qualify as "other health insurance.", visit Using Other Health Insurance.

Note: You can't be assigned a primary care manager at a military hospital or clinic if enrolled in TRS. You can use any TRICARE-authorized provider as your primary care provider.

What You Pay

  • Monthly premiums
  • An annual deductible
  • A cost-shareA percentage of the total cost of a covered health care service that you pay. (or percentage) for covered services

View TRS Costs.

Is TRICARE Reserve Select Right for You?

If you’re a member of the Selected Reserve, you don’t qualify for TRS coverage if you’re:

  • On active duty orders for more than 30 days
  • Covered under the TAMP
  • Eligible on your own for FEHB coverage

Note: If you don’t qualify for TRS coverage on your own, but you have a family member who is a member of the Selected Reserve and qualifies for TRS, you may get coverage through your family member.

How To Enroll 

Visit TRS Enrollment to learn more.

Sponsor must be enrolled for family members to enroll. Learn more about enrollment requirements. 

For information on disenrolling or ending plan coverage, visit the Ending TRS Coverage page. You may disenroll at any time. If you disenroll, you can't reenroll for 12 months. 

Qualified Selected Reserve members located overseas may submit an enrollment request at a TRICARE Service Center.

Note: You have 90 days (120 if overseas) from the date of birth or adoption to add your child to your TRS coverage. Your child doesn't have coverage until you enroll them.

Last Updated 4/15/2025