Your Guide on How to Cancel TRICARE Reserve Select Easily

by | Tricare | 1 comment

Navigating the waters of military health benefits can sometimes feel like charting unknown territory. If you’re considering canceling your TRICARE Reserve Select (TRS) coverage, you’re likely seeking a straightforward guide to simplify the process. Whether it’s a change in eligibility, a shift in personal circumstances, or the exploration of alternative health plans, understanding the steps to cancel your TRS is crucial.

Fortunately, canceling your TRICARE Reserve Select plan doesn’t have to be a daunting task. With the right information and a clear path, you can make informed decisions about your health care coverage. In the following sections, we’ll walk you through the essential steps to cancel your TRS, ensuring you’re well-equipped to navigate this process with confidence and ease.

Understanding Tricare Reserve Select

Navigating the TRICARE Reserve Select (TRS) cancellation process starts with a solid understanding of what TRS is and how it functions. TRS provides comprehensive health coverage to members of the Reserve component and their families, mirroring some benefits available to active-duty personnel. Recognizing the details of this plan is crucial for a hassle-free cancellation.

First, identify your enrollment status. TRS coverage hinges on your eligibility, which can change based on your military status. Transitioning from active duty or changing your reserve status could affect your eligibility, necessitating a review of your current health coverage needs.

Next, familiarize yourself with the qualifying life events (QLEs). Certain events such as a change in family status (marriage, birth of a child) or loss of other health insurance might require adjustments to your TRS coverage. Understanding QLEs ensures you cancel your plan accurately and at the right time, avoiding potential coverage gaps.

Additionally, be aware of the TRS coverage periods and billing cycles. TRS premiums are billed monthly, and knowing your billing cycle helps in planning your cancellation effectively, ensuring you’re not leaving coverage or payments in limbo.

Equipping yourself with information on how to access and navigate the Defense Enrollment Eligibility Reporting System (DEERS) is also key. DEERS is critical for managing your TRS enrollment, including cancellation. Keeping your information up to date in DEERS will streamline the cancellation process.

Lastly, understanding the implications of cancelling TRS on your future eligibility for reinstatement or enrollment in another military health plan is vital. Specific rules apply to re-enrollment after cancellation, impacting your health care options going forward.

Each step towards cancelling your TRS coverage demands careful consideration of these aspects. With a firm grasp of TRS details, you’re better prepared to move forward with the cancellation process effectively and with confidence.

Reasons to Consider Cancelling Tricare Reserve Select

Transitioning to active-duty status becomes a primary reason for canceling TRICARE Reserve Select (TRS). Upon activation, you automatically qualify for TRICARE Prime, which offers comprehensive coverage without the need for TRS.

Gaining alternative coverage presents another scenario where TRS cancellation is advisable. If you or your family members become eligible for an employer-sponsored health plan or another government health program, it might offer benefits more aligned with your current needs.

Experiencing significant life events such as marriage, divorce, or the birth of a child may necessitate a reevaluation of your healthcare coverage. These events might make you eligible for other TRICARE options that better suit your changing family dynamic.

Relocation outside the TRS service area could render your current plan less effective. TRICARE operates in specific regions, and moving to an area with limited TRS provider availability might compel you to consider other TRICARE plans or health insurance options.

Cost considerations often influence the decision to cancel TRS. If the premiums, copayments, or deductibles become financially burdensome, exploring more affordable healthcare solutions becomes essential.

Opting for Medicare coverage upon reaching eligibility age or due to a disability requires TRS cancellation. Medicare eligibility provides access to a range of healthcare services that might reduce the necessity of maintaining TRS coverage.

Remember, the timing of your cancellation can affect your future eligibility for TRS. Ensuring you understand the implications of cancellation on your ability to re-enroll or switch to another TRICARE plan is crucial. Always update your information in the Defense Enrollment Eligibility Reporting System (DEERS) to reflect changes in your eligibility status, and consult with a TRICARE representative to make informed decisions about your healthcare coverage.

Step-by-Step Guide on How to Cancel Tricare Reserve Select

Canceling your Tricare Reserve Select (TRS) coverage demands a clear understanding of the process to ensure you make informed decisions that align with your healthcare needs. This guide will navigate you through each necessary step to successfully cancel TRS, making sure you maintain compliance with all requirements and timelines.

Determine Your Eligibility for Cancellation

First, assess your eligibility for cancellation. As previously mentioned, valid reasons include transitioning to active duty, accessing alternative healthcare coverage, or experiencing significant life events such as relocation or marriage. Confirm that your reason aligns with TRICARE policies to avoid unnecessary hitches in the process.

Update Your Information in DEERS

Before proceeding with the cancellation, update your information in the Defense Enrollment Eligibility Reporting System (DEERS). Accurate and current information in DEERS is crucial for a smooth cancellation process. This step ensures that TRICARE representatives can access up-to-date details about your coverage and eligibility.

Contact a TRICARE Representative

Next, contact a TRICARE representative for guidance on your specific case. TRICARE representatives can provide detailed instructions tailored to your situation, ensuring you understand the implications of your cancellation, including how it affects future eligibility.

Submit Required Documentation

Depending on your reason for cancellation, submit the required documentation to TRICARE. Documents may include proof of alternative coverage, orders for active-duty status, or evidence of a qualifying life event. Ensure that all documents are complete and submitted within the specified timelines to prevent delays in processing your request.

Confirmation and Follow-Up

After submitting your cancellation request and necessary documentation, wait for confirmation from TRICARE. This confirmation is your assurance that the process is complete. Keep records of all communications and confirmation for your reference. Finally, follow up if you do not receive confirmation within the expected timeframe.

By adhering to these steps, you can successfully navigate the cancellation process of your TRICARE Reserve Select coverage. Updating your information in DEERS, consulting with TRICARE representatives, submitting the required documentation, and awaiting confirmation are key components of this process.

Things to Keep in Mind Before Cancelling

Before proceeding with the cancellation of your TRICARE Reserve Select (TRS) coverage, several crucial factors warrant your attention. Ensuring you have considered these points will smooth the transition away from TRS and safeguard against potential complications in your healthcare coverage.

Assess Your Healthcare Needs

Evaluating your current and anticipated healthcare needs is essential. If you or your family members require ongoing medical attention, securing alternative healthcare coverage before cancelling TRS becomes imperative. This proactive approach prevents any lapses in coverage, ensuring continuous access to necessary healthcare services.

Understand the Impact on Eligibility

Understand that cancelling TRS might affect your future eligibility. Specifically, if you cancel TRS coverage without transitioning to another TRICARE program or without having a qualifying life event, re-enrollment might be restricted. Hence, it’s crucial to plan your cancellation and any subsequent healthcare enrollment carefully.

Review Alternative Coverage Options

Before initiating a TRS cancellation, reviewing and securing alternative coverage options is advisable. Options might include employer-sponsored healthcare plans, coverage through the Health Insurance Marketplace, or other TRICARE programs if you qualify. This step guarantees that you and your dependents remain protected without any coverage gaps.

Confirm Changes with DEERS

Ensure all your information is up-to-date in the Defense Enrollment Eligibility Reporting System (DEERS). Accuracy in DEERS is vital for processing your cancellation request efficiently and for any future enrollments in TRICARE programs. Failure to maintain current information in DEERS can lead to delays or issues with healthcare coverage transitions.

Consult TRICARE Representatives

Before making a final decision to cancel, consulting with a TRICARE representative can provide clarity and personalized advice. They can offer insights into how cancellation impacts your specific situation, discuss alternative coverage options within TRICARE, and guide you through the process tailored to your needs.

By meticulously considering these aspects, you can ensure that cancelling your TRICARE Reserve Select coverage is the right decision for you and your family, mitigate potential risks, and maintain seamless healthcare coverage.


Canceling your TRICARE Reserve Select coverage doesn’t have to be a daunting task. By understanding your enrollment status and the reasons that may necessitate cancellation, you’re already on the right path. Remember, the timing of your cancellation is crucial and can significantly affect your future eligibility. So, make sure to update your information in DEERS promptly and don’t hesitate to reach out to TRICARE representatives for guidance. With the right preparation and knowledge, you can navigate this process smoothly, ensuring you and your family maintain the healthcare coverage you need.



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