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30-Day Unconditional Promise:
Upon approval of your Application, you’ll be
issued a Certificate of Insurance. If you are
not completely satisfied with the provisions
of your Certificate, you can return it within 30
days, without claim, for a prompt, full refund. Important
Plan Information |
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Introduction |
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A Few Words About This Plan …
Out-of-pocket expenses can mount up quickly when you receive medical care outside the military system. That’s why supplemental health insurance like the TRICARE Reserve Select Supplemental Plan is so important for you and your family. With this economical insurance coverage, you’re better protected against the high cost of medical expenses you might face each calendar year in the event of illness.
Many people like you are concerned about getting good insurance coverage at an affordable cost. It’s not easy to get that kind of information on your own … and it can eat up a lot of your precious time. That’s why we’re proud to offer the TRICARE Reserve Select Supplement Plan for National Guard and Reservists.
So why choose this plan?
- Low Monthly Premiums
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Guaranteed Acceptance (subject to pre-existing condition limitation)
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30-Day Satisfaction Guarantee
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No Medical Exam Required
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Smokers Pay the Same Price as Non-smokers
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Pays cost shares – after the annual deductible is met
- Pays 100% of covered excess charges – after the annual deductible is met
Before you begin the application process, be sure to review the USBA TRICARE Reserve Select Supplement Insurance Plan Features, Benefits Summary, FAQs and Rates.
We invite you to visit any or all of these links now. If you have questions, please don’t hesitate to call one of our highly-trained TRICARE specialists at (877) 297-9235.
NOTE: Coverage is currently not available in Maine, Montana, Nevada, New Hampshire, Vermont and Washington.
ASI, the plan administrator of the TRICARE Supplement Plan, is exercising its contractual right to change the plan underwriter effective October 1, 2010. The plan underwriter will be changed from Hartford Life and Accident Insurance Company to Monumental Life Insurance Company and Transamerica Financial Life Insurance Company (NY residents only).
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To qualify for this product, you: |
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Must be a member of the selected reserve of the ready reserve |
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Can’t be eligible for or enrolled in FEHBP
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Must be enrolled in Tricare Reserve Select. Click here to enroll now
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FAQs |
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Q1. |
What is TRICARE Reserve Select (TRS)? |
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A1. |
TRICARE Reserve Select (TRS) is a premium-based health plan that qualified National Guard and Reserve members may purchase. TRS, which requires a monthly premium, offers coverage similar to TRICARE Standard and Extra. | |
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Q2. |
Who qualifies for TRICARE Reserve Select (TRS)? |
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A2. |
To qualify for TRS, you must be a member of the Selected Reserve of the Ready Reserve, and you cannot be eligible for or enrolled in the FEHBP program. Once you qualify, you may purchase the plan at any time throughout the year, there are no tiers or open seasons. | |
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Q3. |
How can I check to confirm if I am eligible for TRICARE Select Reserve (TRS)? |
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Click here to check to determine your eligibility. | |
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Q4. |
What is the TRICARE Reserve Select Supplement Plan? |
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This supplement enhances your current TRS coverage by providing reimbursement of eligible out-of-pocket medical expenses for insured members and their families. | |
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Q5. |
Who is eligible for the TRICARE Reserve Select Supplement Plan? |
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All qualified members, their spouse and children, under age 21 or age 23 if a full-time student, who are eligible for TRS. The member must be covered in order to enroll Spouse or Children. | |
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Q6. |
Do Retirees (Ages 60-64) Qualify for TRS and TRS Supplement? |
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No, but they qualify for TRICARE Standard and for USBA’s TRICARE Standard Supplement.
Click here to learn more. | |
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Does the plan cover the service member when he/she retires? |
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Yes. As long as you are still eligible for TRICARE Reserve Select, you’ll be eligible to apply for TRICARE Reserve Select Supplement. Once you become ineligible for TRS, you will also be ineligible for the TRS Supplement. However, we offer a supplement plan for those who become eligible for TRICARE Extra/Standard. For more information on this product, please click here. |
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Q8. |
Why do I have to join USBA to apply for this plan? |
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A8. |
You’ll be asked to “join” USBA when you apply for this TRICARE Supplement product. The Uniformed Services Benefit Association is a Voluntary Employee Beneficiary Association (VEBA) organization established to offer group insurance benefits to all federal and military members (including active duty, National Guard, Reservists, retirees, veterans) and their families. USBA uses its combined “Power of One” to negotiate group rates on behalf of its membership. As a formality, you must become a USBA member to qualify for the group rate. There are no dues to pay and no other obligations or expectations.
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Q9. |
What are the membership fees (annual, lifetime, etc.), if any, when you join USBA? |
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A9. |
USBA has no membership fees.
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Q10. |
What if I change my mind after I apply? |
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Your satisfaction is guaranteed with TRICARE Reserve Select Supplement. Take 30 days after you receive your Certificate of Insurance to examine the coverage. Pay for it only after you determine it’s the right protection for you. If you’re not completely satisfied after the 30-day free look, return your Certificate for cancellation. You’re under no obligation.
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Q11. |
What does the Plan pay? |
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A11. |
- Pays 100% covered excess charges – after the annual deductible is met
- Pays cost shares – after annual deductible is met:
- 15% TRICARE network provider
- 20% TRICARE non-network provider
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Q12. |
Can I be singled out for cancellation? |
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Your coverage will remain in force as long as the master policy remains in force, and you pay your premium. With regards to your covered spouse and children, their coverage will remain in force as long as your coverage is active, or until they no longer meet the eligibility standards.
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Q13. |
Will the plan cover me overseas? |
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Yes. TRICARE coverage is worldwide. If TRICARE pays for covered medical expenses overseas, the plan will pay its contractual benefit.
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Q14. |
Can premium payments be increased? Under what conditions? |
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The company reserves the right to change premiums on a group wide basis to maintain the financial solvency of the plan.
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Q15. |
Will I be asked to take a medical exam when I apply? |
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No medical exam is required. Acceptance is guaranteed.
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Q16. |
Is there a waiting period for pre-existing conditions? |
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There is a 6 month waiting period for a pre-existing condition. (Pre-existing condition is waived if signed up w/in 30 days of TRS enrollment.)
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Q17. |
How much does the NGAUS/EANGUS/USBA TRICARE Reserve Select Supplement Plan cost? |
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Click here for rates.
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Q18. |
I still have questions. Who should I contact? |
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For more details please call (877) 297-9235 or click here
to request a FREE, No-Obligation Information Kit to be mailed to you.
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Q19. |
Do I have to be a member of NGAUS or EANGUS to apply for this TRICARE Reserve Select Supplement Plan? |
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No, but you do have to be a National Guardsman. USBA partnered with the National Guard Association of the U.S. (NGAUS) to promote the new changes to TRICARE Reserve Select (TRS), and to offer a new plan, NGAUS/EANGUS USBA TRICARE Reserve Select Supplement. It is available to all qualifying members of the National Guard. If you’d like to learn more about NGAUS or the Enlisted Association of the National Guard of the U.S. (EANGUS) simply click these links:
NGAUS
EANGUS
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*Important Note:
This website provides a general description of the insurance plan offered and is not a contract. Complete terms, conditions, definitions, exclusions, limitations and renewability requirements are detailed in the Group Policy issued to the Group Policyholder. Each insured will be provided with a Certificate of Insurance that summarizes the policy provisions affecting his/her coverage.
Still have questions?
Call our trained service representatives at (877) 297-9235 between 8:00am and 4:30pm (CST), Monday through Friday and they’ll be happy to help you!
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