TRICARE Reserve Select Enrollment

The TRICARE Reserve Select (TRS) program is a premium-based health plan qualified Selected Reserve* members may purchase. The TRS benefit is a TRICARE Standard benefit and TRS members have the same costs as active duty family members. You can receive covered services from any TRICARE-authorized provider. Access to care at a military treatment facility (MTF) is on a space-available basis.

*Selected Reserve refers to National Guard and Reserve members, which includes the Army National Guard, Army Reserve, Navy Reserve, Marine Corps Reserve, Air National Guard, Air Force Reserve, and Coast Guard Reserve.

Eligibility

  • Eligibility for TRS is maintained in the Defense Enrollment Eligibility Reporting System (DEERS). Your reserve component determines eligibility for TRS. For eligibility questions please contact your reserve component’s point of contact. The reserve component points of contact listing is provided by Reserve Affairs.
  • You do not have to be activated in response to a contingency operation to be eligible for TRS.
  • If you are eligible for or enrolled in the Federal Employee Health Benefits (FEHB) program, under your own eligibility or through a family member, you are not eligible for TRS.
  • You must be enrolled in TRS for your family members to enroll.
  • Events that result in loss of eligibility must be processed through your reserve component’s unit or personnel office. Unused enrollment premiums are refunded automatically.

Enrollment Premiums and Payment Information

All eligible members are offered the same level of benefits for one monthly rate.*

Type of Coverage 2013 Rate 2014 Rate
Member only $51.62 $51.68
Member and family $195.81 $204.29

*Rates for TRS are subject to change every calendar year. Enrollment premiums are not applied toward the annual catastrophic cap.

Your initial enrollment payment can be made with a check, money order, Visa® or MasterCard®, including credit, debit and prepaid cards. Ongoing monthly premium payments must be made by an automatic payment method:

  • electronic funds transfer (EFT)
  • recurring credit (or debit) card (RCC) 

Learn more about payment method options.

Failure to pay total premium amounts due will result in suspension of coverage (disenrollment from TRS). You will be suspended from TRS effective your policy paid-through date and any claims for services after your suspension date will not be paid under your TRS coverage. You will remain suspended (subject to reinstatement in certain circumstances) for a period of 12 months from your policy paid-through date. At the end of the 12-month suspension, you will be able to purchase TRS coverage.

Beneficiaries whose payments are declined are charged a $20 administrative fee in addition to the outstanding payment amount. The replacement payment is first applied to the $20 fee with the remaining amount applied to the enrollment fee. Therefore, if the beneficiary only sends the amount of the enrollment fee, he or she will be short on the enrollment fee and subject to disenrollment.

TRICARE Reserve Select Enrollment

If you would like to enroll in TRICARE Reserve Select (TRS) or add a family member, you will need to log in to the Reserve Component Purchased TRICARE Application (RCPTA) using your Common Access Card (CAC), Defense Finance Accounting Service (DFAS) account or Department of Defense Self-Service (DS) Logon.

  • Ensure you and your family members are registered in DEERS by visiting a RAPIDS site. When registering a new family member in DEERS, complete a DD Form 1172 (Application for Uniformed Services Identification and Privilege Card) and bring supporting documentation. (For example, eligibility documentation may include a marriage certificate, dependency determination, birth certificate, certificate of live birth from the hospital, or record of adoption or letter of placement by a recognized placement or adoption agency, or the court.)
  • Complete a new Reserve Component Health Coverage Request Form (DD 2896-1) (RC Request Form)*.
  • Certify your non-eligibility or enrollment in the Federal Employee Health Benefits (FEHB) program.
  • Select an ongoing automatic payment method. To use EFT, submit the TRICARE Reserve Select and TRICARE Retired Reserve EFT or RCC form with your RC Request Form.
  • Print and sign the RC Request Form.
  • Include a two-month premium payment. (See premium information above.) When adding a family member, a two-month member and family premium is only required when a change in coverage occurs (for example, member only to member and family).
  • Submit the application by mail or fax to:

Health Net Federal Services, LLC
TRS Enrollment
PO Box 105402
Atlanta, GA 30348-5402
Fax: 1-888-299-4114

For more information about qualifying for or purchasing TRS coverage, contact your reserve component.

*Handwritten forms are not accepted.

Enrollment Effective Dates

Adding a family member (qualifying life event): A 60-day retroactive enrollment period applies to qualifying life events (marriage, birth or adoption of a child, placement of a child in the legal custody of the member by court order).

  • To add a new family member, an RC Request Form must be postmarked no later than 60 days from the date of the qualifying life event to request retroactive coverage.
  • Forms postmarked outside of the 60-day window will be effective the first day of the month after the form is postmarked or received. 

*All newborn or adopted child claims will be held until the TRS Request Form is processed. Once enrolled, claims for services on or after the effective date of enrollment will be processed. All claims prior to the effective date of enrollment will be denied.

Adding a family member (without a qualifying life event): If you are adding a family member without a qualifying life event (marriage, birth or adoption of a child, placement of a child in the legal custody of the member by court order), the family member’s enrollment is considered a new enrollment.

Continuous coverage: You have 30 days following the end of a previous TRICARE coverage (as a sponsor) to request continuous coverage.

  • The RC Request Form must be postmarked by Health Net within 30 days of the change in status to qualify for enrollment without a break in coverage.
  • If you miss the 30-day retroactive enrollment period, you may still enroll in TRS any time throughout the year. If the RC Request Form is postmarked on or before the last day of any given month, you can choose the first of the next month or the first of the following month to start receiving coverage.

New enrollment: Your new TRS enrollment effective date depends on when your enrollment form is postmarked.

  • The enrollment application must be postmarked before your requested enrollment effective date.
  • If your enrollment form is postmarked after your requested enrollment effective date, your new enrollment will be effective on the first day of the month after your enrollment application is postmarked.

Change in Status

If you are activated for more than 30 days, you will be disenrolled from TRS and unused enrollment premiums will be refunded automatically.

Survivor Coverage

If your sponsor passes away, you may qualify for survivor coverage. To qualify, you must be registered in DEERS and your sponsor must have been enrolled in TRS on the date of passing. If your sponsor was not enrolled in TRS, you do not qualify for survivor coverage.

If you were not enrolled in TRS on the date of your sponsor’s passing, you can enroll by submitting the RC Request Form. Your form must be postmarked within 60 days of that date and your coverage will be effective on the date your sponsor passed away. (See the Enrollment section above for more information.)

If you were enrolled in TRS on the date of your sponsor’s passing, your benefits will automatically transition without a break in coverage. You will be able to maintain survivor benefits for six months. A letter will be sent from the Defense Manpower Data Center (DMDC) with instructions on updating or ending your coverage.

Your survivor benefits remain the same as your TRS benefits and payments are still required within the payment grace period. However, your enrollment premiums may change. If there is only one person enrolled in TRS, you will pay the member only rate. If two or more people remain enrolled in the plan, you will continue to pay the member and family rate.

If you wish to end coverage retroactive to the date of your sponsor’s passing, you have 60 days to request the change. You must either submit a request using a DMDC Reserve Component Purchased TRICARE Application or send a written letter to Health Net Federal Services, LLC:

Health Net Federal Services, LLC
TRS/TRR Enrollment
P.O. Box 105402
Atlanta, GA 30348-5402
Fax: 1-888-299-4114

Moving with TRICARE Reserve Select

When moving, TRS members need to update DEERS with the new address and telephone number.

Members who change regions should contact the previous contractor to stop the current EFT or RCC and start a new EFT or RCC in the new region.

Disenrolling

Voluntary disenrollment: To voluntarily disenroll from TRS, you must submit an RC Request Form that requests termination of coverage. Coverage is terminated on the last day of the month in which the form is postmarked. You may also request a future termination date, effective the last day of the following month.

If you gain other TRICARE eligibility under a family member, you may voluntarily disenroll without being locked out. All other disenrollment requests are subject to a 12-month lockout.

Nonpayment: You may also be disenrolled from TRS for failure to pay the required premiums. If the TRS premiums are not received within 30 days from the due date, you will be disenrolled for failure to pay. If you are involuntarily disenrolled for failure to pay, you will be suspended from TRS effective your policy paid-through date and any claims for services after your suspension date will not be paid under your TRS coverage. You will remain suspended (subject to reinstatement in certain circumstances) for a period of 12 months from your policy paid-through date. At the end of the 12-month suspension, you will be able to purchase TRS coverage.

Loss of eligibility: Events that result in loss of eligibility must be processed through your reserve component’s unit or personnel office. You do not need to submit an RC Request Form and unused enrollment premiums will be refunded automatically.