TRICARE Reserve Select Coverage Details

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The TRICARE Reserve Select Program (TRS) is run like any other insurance program, you make monthly premium payments which authorizes you certain types of care at a discounted or free rate. If you go to a provder that participates in the program (known as an in-network provider) you will usually pay a lower copay than if you go to an out-of-network provider (the copay is that amount that you have to pay out-of-pocket when getting treatment). It is always best to go to an in-network provider whenever possible, because if you go to an out-of-network provider you may end up stuck with a very large bill, also if you go to an out-of-network provider you will have to pay the entire cost yourself and then file a claim with TRICARE to get reimbursed. The program also has a deductible, which is the amount you must pay out-of-pocket before any insurance payments begin.

Premiums

The current premiums are:

  • Member Only: $47.82
  • Member plus Family: $217.51

The premiums change every year on January 1. When you first enroll you must pay 2 months worth of premiums up front. This can be done by check, money order, or credit/debit card. After that you need to set up a recurring electronic funds transfer from your bank or a recurring payment on your credit/debit card. If you stop paying your benefits will terminate the month after your last payment is received.

Cost Share/Co-pay

A copay is what you are usually required to pay when you visit a doctor, the hospital, or receive any healthcare service.

Service

Those who entered service before Jan. 1, 2018

Those who entered service after Dec. 31, 2017

Network Provider

Active Duty Family Members:

  • Primary Care: $27
  • Specialist: $34

All Others:

  • Primary Care: $35
  • Specialist: $45

Active Duty Family Members:

  • Primary Care: $15
  • Specialist: $25

All Others:

  • Primary Care: $25
  • Specialist: $40
Non-Network

Active Duty Family Members:

  • Primary Care: 20% of allowable charge
  • Specialist: 20% of allowable charge

All Others:

  • Primary Care: 25% of allowable charge
  • Specialist: 25% of allowable charge

Active Duty Family Members:

  • Primary Care: 20% of allowable charge
  • Specialist: 20% of allowable charge

All Others:

  • Primary Care: 25% of allowable charge
  • Specialist: 25% of allowable charge

CATASTROPHIC CAP

This is the maximum amount you will pay out-of-pocket annually for all healthcare, no matter what. The catastrophic cap resets each year.

When member joined the military before 2018

  • Active Duty Families: $1000
  • All Others: $3000

When member joined the military in 2018 or later

  • Active Duty Families: $1000
  • All Others: $3500

For More Information and to Apply for Coverage

Visit TRICARE's website for more information. 

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