Am I covered by TRICARE during drill weekends?
Quick Answer
You have limited Line of Duty (LOD) coverage during drills. Full TRICARE coverage requires TRS enrollment or activation over 30 days.
Related Video
Key Takeaways
- LOD coverage during drills only
- Not full TRICARE coverage
- TRS provides full coverage
- Report injuries immediately
Detailed Answer
Drill weekend coverage is different from full TRICARE.
Line of Duty Coverage
- Injuries during drill covered
- Must be in direct line of duty
- Care at MTF or referred
- Documentation required
Not Covered During Drill
- General health issues
- Pre-existing conditions
- Unrelated medical needs
- Dental (standard)
For Full Coverage
- Enroll in TRS
- Pay monthly premiums
- Coverage all the time
- Not just drill weekends
Duty-Related Injury
- Report to supervisor immediately
- Document everything
- Seek care at MTF if possible
- File LOD determination
Best Option
- Enroll in TRS
- Or maintain civilian insurance
- LOD is limited protection
- Don't rely on drill coverage only
Related Questions
What TRICARE options are available for National Guard members?
National Guard members can access TRS, TAMP, or full TRICARE depending on their duty status, with coverage varying by activation orders.
What TRICARE options are available for National Guard members?
National Guard members have TRICARE access when activated for more than 30 days. TRICARE Reserve Select is available when not activated for a monthly premium.
What is TRICARE Reserve Select (TRS)?
TRS is a premium-based health plan for Selected Reserve members and families when not on active duty, providing comprehensive coverage similar to TRICARE Select.
What do most military families add to their TRICARE coverage?
Supplemental health insurance is the most common addition — it covers dental, vision, and out-of-pocket costs that TRICARE leaves uncovered. Life insurance and a legal will are also highly recommended.
See What's AvailableShare this page
Was this FAQ helpful?
Need personalized help with this?
Most military families leave benefits on the table. Our free 2-minute coverage check identifies gaps, finds potential savings, and gives you personalized recommendations.
Check My Coverage