TRICARE Reserve Select Supplement Insurance Plan

TRICARE Reserve Select (TRS) Guard and Reserve

TRICARE Reserve Select is:

  • A premium-based plan
  • Available worldwide
  • For qualified Selected Reserve members and their families

If purchased, TRICARE Reserve Select meets or exceeds the requirements for minimum essential coverage. Basic health care coverage that meets the Affordable Care Act requirement. If you don’t have coverage, you may have to pay a fee for each month you aren’t covered. under the Affordable Care Act.

Who Can Participate?

Members of the Selected Reserve (and their families) who meet the following qualifications:

  • Not on active duty orders
  • Not covered under the Transitional Assistance Management Program
  • Not eligible for or enrolled in the Federal Employees Health Benefits (FEHB) program

Note: Survivor coverage is not affected by FEHB eligibility.

Note: Those members in the Individual Ready Reserve including Navy Reserve Voluntary Training Units do not qualify to purchase TRICARE Reserve Select.

Certain members of the Selected Reserve who are covered by TRICARE Reserve Select and involuntarily separated under other than adverse conditions. A separation that is other than “honorable” or “general”., may have access to extended TRICARE Reserve Select coverage up to 180 days. For more information, contact your service personnel department.

TRICARE Reserve Select Costs

Paying Monthly Premiums

  • When you enroll, you’ll pay a two-month premium payment by check, money order/cashier’s check or a debit/credit card.
  • After that, premiums are paid by an electronic funds transfer (EFT) or recurring debit/credit card charge
Type of Coverage Beginning 2018
Member Only $46.09
Member + Family $211.38

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(1) How to Enroll in TRS—Online Only

  • Log in to the DMDC Beneficiary Web Enrollment Application.
  • Follow the instructions to enroll.

(2) How to Enroll in GEA TRS SUPPLEMENT—Download Enrollment Form

  • Download the GEA TRS Supplement Application form.
  • Follow the instructions to mail to the GEA Administrator, along with forms and first quarter payment.
  • The Government Employee Association (GEA) is the GEA TRICARE Reserve Select Plan sponsor.

It’s So Easy To Enroll in the TRICARE RESERVE SELECT SUPPLEMENT

TRICARE Reserve Select Supplement – Rates Per Person Premiums

TRS Reserve Select
(per person)
Quarterly First-Year Rate*
(includes 17% discount)
Quarterly Base Rate
(after 12 months)
Member$23.34$28.00
Spouse$23.24 $28.00
Each Child$19.92 $24.00

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* First year discounted rates are not available to insureds in OH or KY.

1 Rates and/or benefits are based on the attained age of the Insured Person and increase as you enter each new age category. Rates and/or benefits may be changed on a class basis. Plan or rate changes may be subject to final approval by the applicable regulatory authorities.

2 Members receive a 17% rate discount during their first twelve months of coverage. There are no other discounts. After the 12th month, the increase 17%.

TRICARE Annual Outpatient Deductible: Member-Only Family

  • E-4 and Below: $50.00 $100
  • E-5 and Above: $150.00 $300

GEA TRICARE Reserve Select Supplement COVERAGE TO HELP PAY COST SHARES AND COPAYMENTS

The TRICARE Reserve Select Supplement Plan provides coverage to help pay your TRICARE cost share for inpatient and outpatient care, doctor visits, emergency room care, prescription medications, and much more. TRICARE Reserve Select Supplement pays 100% of all covered expenses in excess of the TRICARE allowed amount, not to exceed the Legal Limit. You can purchase the TRICARE Reserve Select Supplement Plan at any time throughout the year as long as you are eligible for and enrolled in TRICARE Reserve Select.

TRS Supplement Eligibility

Before enrolling in the TRICARE Reserve Select Supplement Plan, you must qualify for and be enrolled in TRICARE Reserve Select (TRS). TRICARE Reserve Select is available to all members of the Select 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, please visit the TRICARE website at www.tricare.mil/trs.

To qualify for the TRS Supplement, you must be a member of the Select Reserve or the Ready Reserve, and you cannot be eligible for or enrolled in the Federal Employees Health Benefits Program (FEHBP) or currently covered under FEHBP (either under their own eligibility or through a family member with FEHBP).

It’s So Easy To Enroll in the TRICARE RESERVE SELECT SUPPLEMENT

TRICARE Reserve Select BENEFITS

Here’s How The TRICARE Reserve Select Supplement Plan Works

Care Required TRICARE Reserve Select PaysYour TRICARE Reserve Select Supplement Pays
Government Hospital All TRICARE Reserve Select Allowed Amount except the Daily Subsistence feeCurrent Daily Subsistence Charge
Civilian Hospital or Skilled Nursing FacilityAll TRICARE Reserve Select Allowed Amounts except the daily Subsistence fee or $25, whichever is greaterThe greater of: 1) Current Daily Subsistence Charge for each day of confinement1; or 2) $25.00 for all Confinements which are due to the same or related Sickness or Injury and separated by less than 60 days; until the TRICARE Cap2 is met
Outpatient Visit TRICARE Network Provider
85% of the TRICARE allowable charge after the annual deductible3 is met
TRICARE Authorized, Non-Network Provider
80% of the TRICARE allowable charge after the annual deductible is met
TRICARE Network Provider
Your 15% cost share for covered expenses until the TRICARE Cap is met
TRICARE Authorized, Non-Network Provider
8Your 20% cost share PLUS 100% of the Covered Excess Charges up to the Legal Limit5
Prescription Drug Charges Home Delivery: All but the copayments of $20 brand name or $49 non-formulary
Network Retail (up to 30-day supply): All but the copayments of $10 generic, $24 brand name or $50 non-formulary
Home Delivery: Copayments of $20 brand name or $49 non-formulary
Network Retail (up to 30-day supply): Copayments of $10 generic, $24 brand name or $50 non-formulary
Non-Network Pharmacy All but $24 or 20% of the total cost for generic/brand name or $50 or 20% for non-formulary (whichever is greater) after the fiscal year deductibleCopayments of $24 or 20% of the total cost for generic/brand name or $50 or 20% for non-formulary (whichever is greater) after the fiscal year deductible

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1 Confinement or confined means being an inpatient in a hospital (or skilled nursing facility) due to sickness or injury. And skilled nursing facility does not mean: a) a hospital; or b) a place for rest, custodial care, or the aged; or c) a place for the treatment of mental disease, drug addicts or alcoholics.

2 TRICARE Catastrophic Cap-Maximum out-of-pocket expense=$1,000 per family, per fiscal year. Monthly premium payments do not apply toward meeting the Catastrophic Cap.

3 The TRICARE Reserve Select Supplement Plan will not pay for expenses used to satisfy the annual deductible charged by TRICARE. TRICARE Annual Outpatient Deductible: Member-Only Family

E-4 and Below: $50.00 $100

E-5 and Above: $150.00 $300

4 All outpatient Covered Expenses will be deemed incurred on the date the Covered Person received the treatment, service or supply that gave rise to the expense.

5 Legal Limit means the maximum amount that a non-participating provider can legally charge. This amount is up to the 115% of the TRICARE Allowed Amount.

Eligibility

Eligibility – TRICARE SUPPLEMENT

You are eligible to enroll if you are a TRICARE eligible recipient, under age 65, and entitled to retired (Military), retainer, or equivalent pay. If you are age 65 or over and ineligible for Medicare, you may apply for the plan by attaching a copy of your Social Security Notice of Disallowance of Benefits to your Enrollment Form. If you are:

  • Retirees of the uniformed services, their spouse and unmarried dependent children (under age 21 or 23 if a full-time student)
  • Spouse or surviving spouse of retired military personnel and dependent children under age 21 or 23 if a full-time student.
  • Retired Reservists and National Guard members (gray area retirees) under age 60 and enrolled in TRICARE Retired Reserve (TRR)
  • Spouse and unmarried eligible dependent children (under age 21 or 23 if a full-time student) who are eligible for CHAMPVA

Termination

Termination

Your 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 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.

Exclusions

Exclusions

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, whether sane or insane (in Colorado and Missouri, while sane)

4. The following services: a) routine physical exams, unless required for school enrollment (but not sports physicals) by a Covered Child aged 5 through 11; and b) immunizations; except that these services are covered when rendered to a Covered Child who is less than 6 years of age

5. Domiciliary or custodial care

6. Eye refractions and routine eye exams except when rendered to a child up to 6 years from his or her birth

7. Eyeglasses and contact lenses

8. Prosthetic devices, (except that 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 the care is required because of the mental incapacitation or physical handicap or the care is received by an Active Duty Member’s child who is covered by the “Program for the Handicapped” 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. TRICARE eligible cost-share and deductible amounts 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

23. And any claim under more than one of the TRICARE Supplement 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.

Effective Date

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.

Deferred Effective Date: If on the date that You are to become covered under the Policy you are confined in a Hospital, your coverage will be deferred until the first day after You are discharged.

Deferred Effective Date (Dependent): If on the date that an Eli­gible Dependent is to become covered under the Policy he or she is confined at home, in a Hospital or elsewhere because of injury or sick­ness, coverage of such person will be deferred until the first day after he or she is discharged from the Hospital or place of confinement.

Limitations

Limitations

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 a dependent.

Rates are based on the attained age of the insured person and increases as you enter each new category. Rates and /or benefits may be changed based on a class basis.

Pre-Existing Conditions Limitation

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 will not be covered until the coverage has been in effect for 6 months. However, new conditions will be covered immediately.

The Pre-existing condition limitation may be waived under the following conditions:

For individuals who are newly retired from active duty military and who enroll in the plan within 63 days of the military retirement date. Application for coverage should include a copy of their DD-214.

For individuals who were previously enrolled in a non-TRICARE Supplement Employer Group Plan and loses that coverage due to involuntary termination. Such individuals must enroll in the Supplement Plan within 31 days following the termination date of the prior insurance plan. Application for coverage under the Supplement Plan should include a copy of the Certificate of Creditable Coverage for the prior group insurance plan.

FAQs

TRICARE Supplemental Insurance | FAQ’s

Q1. Is there a maximum limit on benefits (lifetime, annual, etc.)?

When the TRICARE cap of $3,000 is met, TRICARE will pay 100% of covered medical expenses. The supplement pays nothing. However, the supplement will pay 100% of covered excess charges over the cap. Additionally, 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 calendar year. Outpatient benefits for mental, nervous or emotional disorders, drug addiction or alcoholism are limited to a maximum of $500 in a 12 month period.

Q2. Will the plan cover amounts beyond what TRICARE allows?

The Plan will pay 100% of covered excess charges up to the legal limit.

Q3. Does the plan pay for services that aren’t covered by TRICARE?

No.

Q4. Will the plan pay the TRICARE outpatient deductible?

The High Option II plan has a fiscal year Plan deductible of $250 per person and $500 family maximum.

Q5. How will the plan require premium payments?

Premiums may be paid monthly by deduction from checking account (Check-o-Matic) or direct bill – quarterly, semi-annually or annually. Credit cards may not be used to pay premiums.

Q6. What happens when I reach age 65?

At age 65, eligibility under the TRICARE Supplement or CHAMPVA Supplement ends for members and their spouses. Coverage may be continued under the Supplement Plan if you are ineligible for Medicare or reside overseas. If ineligible for Medicare, you must submit a copy of your Social Security Disallowance Notice to ASI in order for coverage to be continued.

If at age 65, you are eligible for Medicare Part A and enrolled in Medicare Part B your TRICARE or CHAMPVA eligibility will continue. Medicare will be your primary carrier and you will have supplemental coverage under TRICARE for Life (or CHAMPVA for Life if you are a CHAMPVA beneficiary).

Q7. Does the plan convert to a Medicare Supplement? If so, must it be in force as a TRICARE supplement for any specified length of time before conversion?

No, the plan does not convert to a Medicare Supplement Plan. At age 65, TRICARE FOR LIFE kicks in and benefits are paid between TRICARE and Medicare (providing the individual has Part B of Medicare.)

Q8. Will the plan cover you overseas?

Yes. TRICARE coverage is worldwide. If TRICARE pays for covered medical expenses overseas, the plan will pay its contractual benefit.

Q9. Can premium payments be increased? Under what conditions?

Premiums increase as a person moves from one 5-year age bracket to another (40, 45, 50, 55, 60). The company reserves the right to change premiums on a group wide basis to maintain the financial solvency of the plan.

Q10. What are the membership fees (annual, lifetime, etc.), if any, when you join the organization that sponsors the plan?

GEA $24 annual membership fees.

Q11. Does the plan cover the service member when he/she retires?

Yes. If the member enrolls within 63 days from the time he/she retires from the military, providing his dependents had already enrolled in our TRICARE Supplement Plan, the retiree will not be subject to the Pre-Existing Condition provision. If the retiree waits beyond the 63 day period, he/she is subject to the Pre-Existing Condition clause.

Q12. If you’re retired military and have a health care plan (which pays before TRICARE) through a civilian job, do you still need a TRICARE supplement if, between them, your employer’s plan and the TRICARE health care option you’ve chosen will pay most or all of your civilian medical bills?

No.

Q13. How are claims filed with the Supplement?

All claims are filed first with TRICARE or CHAMPVA. After TRICARE/CHAMPVA has processed your claim, they will send you an Explanation of Benefit Statement (EOB). You will need to file a claim with the Supplement Plan only if the provider has not agreed to file one on your behalf. To file a supplement claim, simply write your certificate (member ID) number on the EOB and also, write “Pay Provider” if you would like the benefits paid directly to the provider, otherwise the benefits will be paid to you. According to TRICARE, 98% of providers submit claims directly to TRICARE. Most providers will also submit claims directly to ASI for the Supplemental coverage. You should always ask your provider to file your supplemental claim for you.

Claims may be mailed to: ASI, P.O. Box 2510, Rockville, MD 20847

Q14. How are prescription drugs covered under the Supplement?

When you visit a pharmacy, show your military ID card (or CHAMPVA ID card if you are a CHAMPVA beneficiary) and pay the copayment (cost share) amount. Your prescription drug co-pay receipt (showing the name of the drug, date filled, and copayment (cost share) amount) should be submitted to Association & Society Insurance Corporation (ASI) for reimbursement.

Q15. Up to what age are dependents eligible?

For TRICARE, unmarried dependent children are eligible up to age 21, and up to age 23 if a full-time student. For CHAMPVA, unmarried dependent children are eligible up to age 18, and up to age 23 if a full-time student.

Q16. Are incapacitated dependents eligible for coverage?

If an incapacitated unmarried child who is covered under the policy reaches age 21 or 23, his/her coverage will not terminate due to age if he/she continues TRICARE eligibility due to the incapacity. Coverage will continue as long as the unmarried child qualifies as an incapacitated child and the required premium is paid.

Q17. How does the TRICARE Extra/Standard Supplement Plan coordinate with TRICARE?

Unless also enrolled under another Group Insurance Plan, TRICARE is the primary payer and the Supplement Plan is secondary. Thus, you are able to take full advantage of your military benefits. Your claims are filed first with TRICARE, then the TRICARE Explanation of Benefit (EOB) Statement is sent to the Supplement Plan. The Supplement Plan will pay for your TRICARE cost share, (TRICARE Standard deductible if enrolled in the Comprehensive Plan option) and covered excess charges after you meet the Supplement Plan deductible.

Q18. Under what circumstance would a member, age 65 or older, be eligible for the TRICARE Supplement?

There are two circumstances that would allow continuing eligibilty for members who are 65 or older:

The TRICARE beneficiaries who live/work out of the United States of America. They must be eligible for Medicare Part A and enrolled in Medicare Part B, and TRICARE must have the information on file with the Defense Enrollment Eligibility Reporting Systems (DEERS). You may contact DEERS at:

1-800-538-9552 (in the continental United States)

Fax address changes to: 1-831-655-8317

Write to: DEERS Support Office, 400 Gigling Road, Seaside, CA 93955-6771

Beneficiaries who are ineligible for Medicare. These members must have received a Statement of Disallowance from Social Security Administration.

  • The Corporate Plan Sponsor: Government Employee Association (GEA)
  • Plan Administer: Selman and Company
  • Underwritten by: Transamerica Premier Life Insurance Company, Cedar Rapids, IA Transamerica Financial Life Insurance Company, Harrison, NY (NY residents only)
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