Tricare Reserve Select Coverage Details

An obstetrician confers with a female patient.
An obstetrician confers with a patient Feb. 5, 2019. (U.S. Navy/Mass Communication Specialist 1st Class Brannon Deugan)

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.


The 2023 premiums are:

  • Member Only: $48.47
  • Member plus Family: $239.69

The premiums change every year on January 1. Your initial premiums can be paid 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.



Network Provider
  • Primary Care: $15
  • Specialist: $26
  • Urgent Care: $21


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


For more cost information, check out the TRICARE website.

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. For Tricare Reserve Select the catastrophic cap is $1,058.

For More Information and to Apply for Coverage

Visit Tricare's website for more information. 

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