What is TRICARE Retired Reserve?
Quick Answer
TRICARE Retired Reserve (TRR) provides premium-based coverage for "gray area" retirees under age 60 who retired from the Reserve.
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Key Takeaways
- For Reserve retirees under 60 in the "gray area"
- Premium-based coverage until age 60
- Same benefits as TRICARE Select
- Transitions to retiree TRICARE at 60
Detailed Answer
TRICARE Retired Reserve (TRR) is a premium-based health plan for qualified Retired Reserve members who are not yet 60 years old.
The "Gray Area" Explained
- Reserve members can retire after 20 qualifying years
- Retirement pay doesn't begin until age 60
- Period between retirement and 60 is the "gray area"
- TRR fills this coverage gap
Eligibility Requirements
- Retired from Reserve Component
- Under 60 years old
- Receiving reserve retirement pay or would receive at age 60
- Not eligible for FEHBP
Monthly Premiums (2024)
- Member only: Approximately $539/month
- Member and family: Approximately $1,292/month
Coverage Details
- Same benefits as TRICARE Select
- Covers member and qualified family members
- Pharmacy benefits included
- Dental available through FEDVIP
When TRR Ends
- Member turns 60 and begins receiving retirement pay
- Transitions to regular retiree TRICARE
- If member passes away, survivors may qualify for other TRICARE programs
What coverage should I add once I'm enrolled in TRICARE?
TRICARE covers medical care but leaves gaps in dental, vision, life insurance, and legal planning. Most military families add at least one supplemental product within the first year.
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