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What is TRICARE coverage for "gray area" retirees?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
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Quick Answer
Gray area retirees (age 60) can purchase TRICARE Retired Reserve (TRR) until they turn 60 and qualify for TRICARE Prime or Select.
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Key Takeaways
- TRR available before age 60
- Monthly premiums higher than TRS
- At 60: Full TRICARE retiree
- Retirement pay starts at 60
Detailed Answer
Gray area retirees have special TRICARE options.
What Is Gray Area
- Retired from Guard/Reserve
- Completed 20 years
- Under age 60
- Awaiting retirement pay
TRICARE Retired Reserve (TRR)
- Available to gray area retirees
- Monthly premiums required
- Coverage for member and family
- Until age 60
TRR Costs (2024)
- Higher than TRS premiums
- Member only: ~$450/month
- Member + family: ~$1,100/month
- Still less than civilian plans
At Age 60
- Retirement pay begins
- Transition to regular TRICARE
- Prime or Select available
- TRR ends automatically
How to Enroll
- After retirement from Reserve
- Through milConnect
- Premium payment required
- Verify retirement eligibility
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What do most military families add to their TRICARE coverage?
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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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