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Home > Insurance Help & Plans Overview > TRICARE Reserve Select Supplement
USBA TRICARE Reserve Select Supplement Insurance Plan Family Photo
 
     
 
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30-Day Right to Examine:
You cannot be turned down for coverage, although a pre-existing condition may initially limit the extent of your coverage. After your completed Enrollment Form and first premium payment have been processed, you’ll receive a Certificate of Insurance which you can examine for a 30 day free look. Return it for a full refund if you are not completely satisfied.
 

USBA TRICARE Reserve Select Supplement Insurance Plan

ACTIVE DUTY or
FORMER MILITARY?

If you’re currently enrolled in TRICARE Reserve Select, we invite you to compare our TRICARE Reserve Select Supplemental Insurance plan to other providers.

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 competitively priced 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 a reasonable 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?

  • Competitive Monthly Premiums
  • Guaranteed Acceptance (subject to pre-existing condition limitation*)
  • 30-Day Right to Examine
  • Smokers Pay the Same Price as Non-smokers
  • Pays cost shares – after the annual TRICARE Reserve Select Plan deductible is met
  • Pays 100% of covered excess charges – after the annual TRICARE Reserve Select Plan deductible is met
  • No annual deductible for USBA’s TRICARE Reserve Select Supplement Plan, however you must pay the annual deductible for your TRICARE Reserve Select Plan before the Supplement will start paying

Before you begin the application process, sbe 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 may not be available in all states.

Plan Administered by: Selman & Company, based in Cleveland, Ohio, has marketed and administered life and health insurance products to members of associations and affinity groups, customers of financial institutions, and employees for over 30 years. Selman & Company is among the largest privately held firms in the nation with focus on the markets in which it serves.

Underwritten by: Transamerica Premier Life Insurance Company (TPLIC), Cedar Rapids, IA, Group Policy MLTRC1000GP. Transamerica Financial Life Insurance Company (TFLIC), Harrison, NY, Group Policy TFTRC1000GP. TFLIC is authorized to conduct business in New York. TPLIC is authorized to conduct business in all other states.

Guardsmen & Reservists Announcement

To qualify for this product, you:
   
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Must be a member of the selected reserve or 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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Must not be enrolled in Medicare
Plan Details    
Features

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 Finder.

TRICARE Young Adult (TYA) Program - Coverage is extended to qualified adult dependent children who are under age 26 and enrolled in TRICARE Young Adult (TYA) program. For further information on TRICARE Young Adult, please visit the TRICARE web site.

To enroll your adult dependent child in the TRICARE Supplement Plan, complete the enrollment form and mail along with a copy of his/her TYA enrollment card. Your adult dependent child must be enrolled in TRICARE Young Adult before enrolling in the TRICARE Supplement Plan. TYA coverage ends if any of the following occurs:
  • Dependent attains age 26
  • Gets married – Becomes eligible for an employer-sponsored plan
  • Gains other TRICARE coverage
  • Sponsor ends TRICARE coverage

Effective Date - Your coverage and that of your covered dependents becomes effective on the first day of the month following receipt of your Enrollment Form and first premium payment. If, on that day, you or a covered dependent are confined in a hospital, the effective date will be the day following discharge from the hospital. Newborn children not named in your enrollment form are automatically covered from birth for injury or sickness, including treatment of congenital defects and birth abnormalities, for 31 days. You must notify the Plan Administrator in writing and pay the additional premium due within 31 days of birth for coverage to continue beyond this period. Insured children who are incapable of self-sustaining employment because of mental retardation or physical disability – and who are unmarried and chiefly dependent on the insured member for support and maintenance – may continue coverage past policy age limits, with requested proof. Otherwise, each dependent child’s coverage terminates on the premium due date following the date he or she is no longer a dependent.

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 - This Policy does not cover 1) injury or sickness resulting from war or act of war, whether war is declared or undeclared; 2) intentionally self-inflicted injury; 3) suicide or attempted suicide, whether sane or insane (in Colorado and Missouri while sane); 4) routine physical exams and immunizations, except when: a) rendered to a child up to 6 years from his or her birth; or b) ordered by a Uniformed Service: (i) for a Covered Spouse or Child of an Active Duty Member; (ii) for such spouse or child's travel out of the United States due to the Member's assignment; 5) domiciliary or custodial care; 6) eye refractions and routine eye exams except when rendered to a child up to 6 years from the child's birth; 7) eyeglasses and contact lenses; 8) prosthetic devices, (except artificial limbs and eyes and devices which must be implanted by surgery are covered); 9) cosmetic procedures, except those resulting from Sickness or Injury while a Covered Person; 10) hearing aids; 11) orthopedic footwear; 12) care for the mentally incapacitated or physically handicapped if: a) the care is required because of the mental incapacitation or physical handicap; or b) the care is received by an Active Duty Member's child who is covered by the "Extended Care Health Option (ECHO)" under TRICARE; 13) drugs which do not require a prescription, except insulin; 14) dental care unless such care is covered by TRICARE, and then only to the extent that TRICARE covers such care; 15) any confinement, service, or supply that is not covered under TRICARE; 16) Hospital nursery charges for a well newborn, except as specifically provided under TRICARE; 17) any routine newborn care except Well Baby Care, as defined, for a child up to 6 years from his or her birth; 18) expenses in excess of the TRICARE Cap; 19) expenses which are paid in full by TRICARE; 20) any expense or portion thereof applied to the TRICARE Outpatient Deductible; 21) treatment for the prevention or cure of alcoholism or drug addiction except as specifically provided under TRICARE; 22) any part of a covered expense which the Covered Person is not legally obligated to pay because of payment by a TRICARE alternative program; and 23) any claim under more than one of the TRICARE Supplement Insurance Plans, or under more than one Inpatient Benefit or more than one Outpatient Benefit of the TRICARE Supplement Plans. If a claim is payable under more than one of the stated Plans or Benefits, payment will only be made under the one that provides the highest coverage, subject to the Pre Existing Condition Limitation.

Exclusions with the State of New York
The Policy does not cover: 1) injury or sickness resulting from war or act of war, whether war is declared or undeclared; 2) intentionally self-inflicted injury; 3) suicide or attempted suicide; 4) custodial care; 5) eye refractions and routine eye exams except when rendered to a child up to 6 years from the child’s birth; 6) eyeglasses; 7) cosmetic surgery, except that cosmetic surgery shall not include reconstructive surgery when such surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of a congenital disease or anomaly of a covered dependent child which has resulted in a functional defect; 8) hearing aids; 9) dental care or treatment, except for such care or treatment due to accidental injury to sound natural teeth within 12 months of the accident and except for dental care or treatment necessary due to congenital disease or anomaly; 10) any confinement, service, or supply that is not covered under TRICARE; 11) expenses in excess of the TRICARE Cap; 12) expenses which are paid in full by TRICARE; 13) any expense or portion thereof applied to the TRICARE Outpatient Deductible; 14) treatment for the prevention or cure of alcoholism or drug addiction except as specifically provided under TRICARE; 15) any part of a covered expense which the Covered Person is not legally obligated to pay because of payment by a TRICARE alternative program; and 16) any claim under more than one of the TRICARE Supplement Insurance Plans, or under more than one Inpatient Benefit or more than one Outpatient Benefit of the TRICARE Supplement Insurance Plans. If a claim is payable under more than one of the stated Plans or Benefits, payment will only be made under the one that provides the highest coverage, subject to the Pre-Existing Condition Limitation.

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.

Termination - Insured Person: Coverage under the Policy will cease on the first to occur of: 1) the date the Policy terminates, or the date the Organization ceases to be a Participating Organization of the policyholder, 2) the date the required premium is not paid, subject to the Grace Period provision; 3) the first day of the month on or next following the date you cease to be a member of the Policyholder; 4) 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; 5) the date we or the Policyholder cancel coverage for a Class of Eligible Person to which you belong; 6) the date you attain age 65; 7) the date you cease to be covered under TRICARE; 8) 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. Dependent: Dependent’s coverage under the Policy will cease on the first to occur of: 1) the date the Policy terminates; 2) the date the required premium is not paid, subject to the Grace Period provision; 3) the first day of the month on or next following the date the dependent ceases to be an Eligible Spouse or an Eligible Child; 4) the first day of the month on or next following the date the dependent ceases to be eligible for the Plan under which the dependent is covered; 5) the date we or the Policyholder cancel coverage for a Class of Eligible Person to which the dependent belongs; 6) the date you cease to be covered, subject to the Covered Dependent Continuation provision (this will not apply to the Spouse or Child of an Active Duty Member or a Service Disabled Member); 7) the date the dependent becomes eligible for Medicare unless the dependent resides in an area where Medicare is not available, in which case coverage will not terminate until the dependent returns to residency in an area where Medicare is available; 8) if a child, the date the child attains age 21 or age 23 (if the child is enrolled full time at a school of higher learning); under 26 if covered by the TRICARE Young Adult Program; 9) the date a dependent ceases to be covered under TRICARE; 10) the date a dependent attains age 65. Termination of coverage will be without prejudice to any claim which originated before the effective date of termination.

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