Insurance Benefits
TRICARE Reserve Select
TRICARE Reserve Select (TRS) is a premium-based health plan that qualified National Guard and Reserve members may purchase. TRS, which requires a monthly premium, offers coverage similar to TRICARE Standard and Extra. The monthly cost for TRICARE Reserve Select cost is approximately $81 for a single member and approximately $253 for a member and their family.
Key features of TRS include:
- Available worldwide to most Selected Reserve members (and families) when not on active duty orders or covered under the Transitional Assistance Management Program.
- Must qualify for and purchase TRS to participate.
- Must pay monthly premiums. Failure to pay monthly premiums on time may result in disenrollment and an enrollment lockout.
- Freedom to manage your own health care; no assigned primary care manager.
- Visit any TRICARE-authorized provider or qualified host nation provider (if located overseas).
- Pay fewer out-of-pocket costs when choosing a provider in the TRICARE network.
- Network providers not available overseas.
- No referrals are required, but some care may require prior authorization.
- May have to pay for services when they are received and then seek reimbursement.
- May have to submit health care claims.
- May receive care in a military treatment facility (MTF) on a space-available basis only.
- Offers comprehensive health care coverage including TRICARE's prescription drug coverage.
If you would like more information you can
chat with one of our advisors and they can have a Local Recruiters contact you.
TRICARE Dental Program
As a National Guard or Reserve member, how you receive dental care will change depending on whether you are on active duty or not. Here's a summary of how your dental care works.
When you are not on active duty, you and your family members are eligible for the premium-based TRICARE Dental Program. The TRICARE Dental Program requires a 12-month minimum enrollment period, so you must have 12 months remaining on your service commitment to enroll. You can enroll at anytime and you will pay monthly premiums based on your military status. The cost for this program is between $11 and $81 a month depending on the level of coverage for a single member or single member and family coverage.
If your family members wish to enroll in the TRICARE Dental Program, they can at anytime, they will also pay monthly premiums, but their enrollment will be separate from yours. This way, if and when you are called to active duty, your family members' enrollment in the TRICARE Dental Program continues without interruption. Your enrollment, however, will change.
Servicemembers' Group Life Insurance (SGLI)
SGLI is a program of low cost group life insurance for service members on active duty, ready reservists, members of the National Guard, members of the Commissioned Corps of the National Oceanic and Atmospheric Administration and the Public Health Service, cadets and midshipmen of the four service academies, and members of the Reserve Officer Training Corps.
SGLI coverage is available in $50,000 increments up to the maximum of $400,000. SGLI premiums are currently $.07 per $1,000 of insurance, regardless of the member's age. The following chat reflects the monthly cost for insurance which includes an additional $1.00 per month for Traumatic Injury Protection coverage (TSGLI).
| 50,000 |
$3.50 |
$1.00 |
$4.50 |
| 100,000 |
$7.00 |
$1.00 |
$8.00 |
| 150,000 |
$10.50 |
$1.00 |
$11.50 |
| 200,000 |
$14.00 |
$1.00 |
$15.00 |
| 250,000 |
$17.50 |
$1.00 |
$18.50 |
| 300,000 |
$21.00 |
$1.00 |
$22.00 |
| 350,000 |
$24.50 |
$1.00 |
$25.50 |
| 400,000 |
$28.00 |
$1.00 |
$29.00 |