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.
All eligible members are offered the same level of benefits for one monthly rate.*
|Type of Coverage||2014 Rate||2015 Rate|
|Member and family||$204.29||$205.62|
*Rates for TRS are subject to change every calendar year. Monthly premium payments are not applied toward the annual catastrophic cap.
Your initial monthly premium payment can be made with a check, money order, cashier's check, Visa® or MasterCard®, including credit, debit and prepaid cards. Ongoing monthly premium payments must be made by an automatic payment method:
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 monthly premium payment. Therefore, if the beneficiary only sends the amount of the monthly premium paymennt, he or she will be short on the payment and subject to disenrollment.
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.
Health Net Federal Services, LLC
PO Box 105402
Atlanta, GA 30348-5402
*Handwritten forms are not accepted.
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).
*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.
New enrollment: Your new TRS enrollment effective date depends on when your enrollment form is postmarked.
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 due the first of each month. However, your monthly premium payments 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
P.O. Box 105402
Atlanta, GA 30348-5402
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 also contact their new region's contractor without delay to establish a new EFT or RCC.
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 monthly premiums. If the TRS monthly premium payments 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 monthly premium payments will be refunded automatically.