What TRICARE options exist for dual-status military technicians?
Quick Answer
Dual-status technicians in Guard/Reserve may access FEHB through their civilian position or TRS through their military status, but not both.
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Key Takeaways
- FEHB or TRS, not both
- Must choose one option
- Compare costs and coverage
- TRS has military pharmacy
Detailed Answer
Dual-status technicians have unique healthcare options.
FEHB Option
- Federal employee benefit
- Through technician position
- Cannot have TRS if FEHB
- Family coverage available
TRS Option
- Through Reserve/Guard status
- Cannot have FEHB if TRS
- Lower premiums typically
- Military pharmacy benefits
Cannot Have Both
- Must choose one
- FEHB disqualifies from TRS
- TRS disqualifies from FEHB
- Annual choice typically
Considerations
- Compare costs
- Compare networks
- Military pharmacy access (TRS)
- Retirement credits
Best Choice
- Depends on situation
- Family size matters
- Healthcare needs matter
- Compare carefully each year
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.
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