What is the TRICARE Dental Program?
Quick Answer
The TRICARE Dental Program is voluntary dental insurance for military families and retirees administered by United Concordia. It covers preventive, basic, and major dental services with monthly premiums.
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Detailed Answer
The TRICARE Dental Program (TDP) is a voluntary premium-based dental insurance plan available to eligible family members of active duty, Guard, and Reserve members, as well as retirees and their families. The TDP is administered by United Concordia Companies, Inc. and provides comprehensive dental coverage including preventive services (exams, cleanings, X-rays) at no cost-share, basic services (fillings, root canals, extractions) at a cost-share, major services (crowns, bridges, dentures) at a higher cost-share, and orthodontic services with a 24-month waiting period and lifetime maximum. Monthly premiums vary based on sponsor status, geographic location, and whether enrollment is individual or family. Active duty service members receive their dental care through their branch of service and do not need the TDP. The TDP has an annual maximum benefit per person, and some services have waiting periods before coverage begins. Enrollment in the TDP is separate from TRICARE medical enrollment and can be done online through the United Concordia website or by calling their enrollment line.
Related TRICARE Terms
Related Questions
Does TRICARE cover braces?
TRICARE does not cover braces for cosmetic purposes, but orthodontic treatment may be covered through the TRICARE Dental Program for dependents when medically necessary.
Does TRICARE cover dental implants?
TRICARE medical covers dental implants only when they are related to a medical condition such as trauma or cancer treatment. The TRICARE Dental Program may cover implants with limitations.
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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