What is TRICARE Reserve Select (TRS)?
Quick Answer
TRICARE Reserve Select is a monthly premium health plan for National Guard and Reserve members not on active duty, offering TRICARE Select-level coverage for members and families.
Related Video
Key Takeaways
- For Guard/Reserve not on active duty
- Monthly premiums required
- Similar to TRICARE Select
- No referrals needed
Detailed Answer
TRICARE Reserve Select provides coverage for Guard and Reserve members:
Eligibility
- Selected Reserve member
- Not on active duty orders
- Not eligible for FEHBP (Federal Employee Health Benefits)
- Must commit to remain in Selected Reserve
Coverage
- Similar to TRICARE Select
- Covers member and qualified family members
- Access to network and non-network providers
- No referrals required
Costs (2024)
- Member only: ~$50/month
- Member + family: ~$250/month
- Plus cost-shares for care received
How to Enroll
- Through TRICARE contractor website
- Coverage begins first of month after enrollment
- Can enroll anytime (no open season)
What's Covered
- Preventive care
- Doctor visits and specialists
- Hospital stays
- Prescriptions
- Mental health services
When Coverage Ends
- Leave Selected Reserve
- Become eligible for FEHBP
- Called to active duty (switch to active duty TRICARE)
Helpful Tips
- Enroll before you need care
- Compare to employer coverage costs
- Premiums are tax-advantaged
Related TRICARE Terms
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