TRICARE Retired Reserve

TRICARE Retired Reserve (TRR) is a premium-based healthcare plan for retired Reserve and National Guard members who are qualified for non-regular retirement but are not yet age 60 and therefore not eligible for standard TRICARE retiree benefits.

Eligibility requirements: • Qualified for non-regular (Reserve) retirement • Under age 60 • Not eligible for or enrolled in FEHB • Must be registered in DEERS

Key features: • Monthly premiums required (member-only or member-and-family) • Coverage similar to TRICARE Select • Access to both network and non-network providers • Annual deductibles and cost-shares apply • No referrals required for specialty care

Important considerations: • Coverage ends when you turn 60 and become eligible for regular TRICARE retiree benefits • Premiums are typically higher than TRS but lower than comparable civilian plans • Enrollment can occur within 90 days of becoming eligible

TRR fills the coverage gap for Reserve retirees during the years between retirement and age 60, when standard military retiree healthcare benefits begin.