Eligibility - TRICARE Reserve Select Supplement is available to all members of the Selected Reserve regardless of any active duty served, with one exception: If you are eligible for the Federal Employees Health Benefits Program (FEHBP) or currently covered under FEHBP, you are excluded from purchasing the restructured TRS plan. For more information, visit the TRICARE website and use their interactive Plan Wizard.

Effective Date - Your coverage begins on the first day of the first or second month (whichever you select on the TRS Supplement Request Form) following the postmark of your TRS Supplement Request Form. For example, if your form is postmarked in July, you may choose for your coverage to begin of the first day of the next month, August, or on the first day of the second month, September.

Renewability - The TRICARE Reserve Select Supplement coverage is renewable to age 65. As long as premiums are paid on time; you remain a member of the sponsoring organization; you, your spouse and dependents remain in an eligible status (you are covered by TRICARE Reserve Select, children are under age 21 or 23 if a full-time student); and the Master Policy and your class of insured persons remain in effect. So, even if you or a covered dependent develops a serious health condition in the future, their coverage will not terminate, provided these conditions are met.

Exclusions - Treatment or confinement not ordered by a physician or necessary for medical care; intentionally self-inflicted injury; suicide or attempted suicide, whether sane or insane; sickness or injury resulting from act of war, whether declared or undeclared; routine physical exams, eye exams, eye refractions and immunizations, except for well baby care covered by TRICARE; custodial care, hearing aids, orthopedic footwear, eyeglasses or contact lenses; cosmetic procedures, except those resulting from sickness or injury occurring while a covered person; drugs (other than insulin) which do not require a prescription; any confinement, service or supply not covered under TRICARE, or for expenses paid in full by TRICARE; expenses in excess of the TRICARE Cap; the TRICARE Reserve Select fiscal year outpatient deductible, care of the mentally retarded or physically handicapped which is required due to the mental retardation or physical handicap; any part of a covered expense which the covered person is not legally obligated to pay because of payment by a TRICARE alternative program. Check your regional contractor’s web site or your Certificate of Insurance for additional information.

Limitations - Routine newborn and well baby care, hospital nursery charges for a well newborn, dental care, treatment for prevention or cure of alcoholism or drug addiction, and prosthetic devices are limited to expenses covered by TRICARE. INPATIENT treatment for mental, nervous or emotional disorders in excess of 45 days if under age 19, or 30 days if age 19 or older, is limited to 90 days (if approved by TRICARE) in a fiscal year. OUTPATIENT benefits for mental, nervous or emotional disorders, drug addiction or alcoholism are limited to a maximum of $500 in a fiscal year.

Pre-Existing Condition Limitations - If a member enrolls in TRICARE Reserve Select and requests coverage under the TRICARE Reserve Select Supplement within 30 days of the date his or her TRICARE Reserve Select coverage begins, we will waive the Pre-Existing Conditions Limitation. A pre-existing condition provision means any injury or sickness whether diagnosed or undiagnosed, for which a covered person received medical care or treatment within the 6 month period preceding the effective date of his or her insurance and will not be covered until the coverage has been in effect for 6 months. However, new conditions will be covered immediately.

Insured Person Termination - Your coverage under the Policy will cease on the first to occur of: the date the Policy terminates; the date the required premium is not paid, subject to the Grace Period provisions; the first day of the month on or next following the date you cease to be a member of the Policyholder; the first day of the month on or next following the date you cease to be eligible for the Plan under which you are covered; the date we or the Policyholder cancel coverage for a Class of Eligible Person to which you belong; the date you attain age 65; the date you cease to be covered under TRICARE Reserve Select; the date you become eligible for Medicare unless you reside in an area where Medicare is not available, in which case coverage will not terminate until you return to residency in an area where Medicare is available.

Termination of coverage will be without prejudice to any claim which originated before the effective date of termination.

This site explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of any discrepancy between this site and the contract, the terms of the contract will apply. Complete details are found in the certificate of insurance issued to each insured individual. This program may not be available to residents of all states. You will be notified by the Administrator if you are ineligible for coverage.