What is the TRICARE Dental Program (TDP)?
Quick Answer
TDP is a separate dental insurance program for military families managed by United Concordia. It covers preventive care, basic services, and major procedures.
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Key Takeaways
- Separate from medical TRICARE
- Monthly premiums required
- Preventive care usually 100%
- Enroll at benefeds.com
Detailed Answer
The TRICARE Dental Program provides dental coverage for eligible beneficiaries.
Who Is Eligible
- Active duty family members
- Selected Reserve and families
- Individual Ready Reserve
- National Guard members
- Retired Guard/Reserve under 60
What's Covered
- Preventive: Exams, cleanings, x-rays
- Basic: Fillings, extractions, root canals
- Major: Crowns, bridges, dentures
- Orthodontics: Braces (with limits)
Monthly Premiums (2024)
- Single: Around $12/month
- Family: Around $30/month
- Premiums vary by sponsor status
Cost Shares
- Preventive: Usually 100% covered
- Basic: 80% covered, you pay 20%
- Major: 50-60% covered
- Annual maximum applies
Enrollment
- Enroll at benefeds.com
- Monthly premiums auto-deducted
- Coverage begins after enrollment
- Lock-in periods may apply
Related Questions
How is dental care covered for active duty members?
Active duty members receive dental care at military dental clinics at no cost. Family members must enroll in TDP for dental coverage.
What are the limits on TRICARE dental coverage?
TDP has annual maximums around $1,500-$1,800 for most services, separate orthodontic limits, and waiting periods for major services.
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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