How do retirement points affect Reserve TRICARE eligibility?
Quick Answer
Earning enough retirement points (20 qualifying years) makes you eligible for retired Reserve status and eventually TRICARE at age 60.
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Key Takeaways
- 20 qualifying years needed
- Age 60 for full TRICARE
- Deployment may reduce age
- TRR before age 60
Detailed Answer
Retirement points determine Reserve retiree eligibility.
20 Year Requirement
- 20 qualifying years needed
- 50 points minimum per year
- Mix of active and inactive points
- Creates retirement eligibility
Before Age 60
- Retired Reserve status
- Gray area retiree
- TRR available (premium)
- Not full TRICARE yet
At Age 60
- TRICARE Prime or Select
- Retirement pay begins
- Full retiree benefits
- Family coverage included
Reduced Retirement Age
- Each 90 days activated after 2008
- Reduces age by 3 months
- Can get TRICARE earlier
- Minimum age 50
Tracking Points
- Check point statements
- Army/Air/Navy Reserve centers
- Guard points through state
- Plan for 20 years
Related Questions
What is TRICARE coverage for "gray area" retirees?
Gray area retirees (age 60) can purchase TRICARE Retired Reserve (TRR) until they turn 60 and qualify for TRICARE Prime or Select.
When do retired reservists become eligible for TRICARE?
Retired reservists become eligible for TRICARE Prime and Select at age 60 when retirement pay begins. TRR is available before age 60.
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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