Where Is Tricare Reserve Select Accepted?

by | Tricare | 1 comment

Navigating the healthcare landscape can be daunting, especially when you’re a member of the Reserve or National Guard. That’s where TRICARE Reserve Select (TRS) steps in, offering comprehensive health care coverage. But knowing where your coverage is accepted is crucial to making the most out of your benefits. Whether you’re at home or traveling, understanding your healthcare options is key.

From military hospitals to civilian healthcare providers, TRS opens doors to a wide network of medical services. But it’s not just about finding a provider; it’s about ensuring they accept your specific plan. With the flexibility and security that TRS offers, you’re covered in more places than you might think. Let’s dive into where TRICARE Reserve Select is accepted, ensuring you’re never left wondering about your healthcare coverage.

Understanding Tricare Reserve Select

Understanding Tricare Reserve Select (TRS) is crucial for Reserve or National Guard members seeking to maximize their healthcare benefits. TRS, a premium-based health plan, caters exclusively to members of the Selected Reserve and their families. It offers extensive healthcare coverage, including preventive care, emergency services, and prescription drugs. However, navigating where TRS is accepted demands awareness of participating healthcare providers and facilities.

Military Treatment Facilities (MTFs)

Primarily, TRS members have access to care at Military Treatment Facilities (MTFs) on a space-available basis. While MTFs offer comprehensive services, availability may vary, emphasizing the importance of checking with the specific facility beforehand.

Network Providers

For healthcare outside of MTFs, TRS benefits extend to an extensive network of civilian healthcare providers. These network providers have agreements with TRICARE, ensuring that they accept the TRS plan. By choosing a network provider, you minimize out-of-pocket expenses and streamline the billing process.

Non-Network Providers

You also have the option to receive care from non-network providers, although this choice might increase your cost shares and necessitate filing claims yourself. Non-network providers can be categorized into two groups: participating and non-participating. Participating providers agree to accept the TRICARE allowable charge as the full fee for services but are not under contract with TRICARE. In contrast, non-participating providers do not have an agreement with TRICARE, potentially resulting in higher charges above the TRICARE allowable amount.

Special Considerations for Travel

When traveling, especially internationally, verifying provider participation becomes even more vital. TRICARE offers assistance through its Global Remote Overseas program, designed to help TRS members find approved providers in various locations worldwide.

Knowing where TRS is accepted helps you leverage your healthcare benefits efficiently. Whether seeking care at an MTF, with a network or non-network provider, or while traveling, understanding these options ensures you and your family receive the necessary health services without unnecessary financial burden.

Geographic Coverage of Tricare Reserve Select

Building on the importance of understanding where Tricare Reserve Select (TRS) is accepted, it’s crucial to know about its geographic coverage. TRS provides healthcare coverage to its members across the United States and its territories, ensuring members can access healthcare services even when away from their home station or while traveling within the country.

United States and Territories

TRS offers comprehensive coverage in all 50 states, displaying a commitment to the health needs of Reserve or National Guard members and their families throughout the nation. This wide-reaching coverage includes:

  • Military Treatment Facilities (MTFs): These are available in numerous locations across the United States, providing a reliable healthcare option for TRS members.
  • Network Providers: TRS has an extensive network of civilian healthcare providers in every state, ensuring you can find covered care wherever you are.
  • Pharmacies and Prescription Drugs: The coverage extends to a broad network of pharmacies nationwide, allowing for easy access to prescription medications.

Overseas Coverage

For members traveling or stationed overseas, TRS includes coverage within the Global Remote Overseas program. This ensures that even when you’re outside the United States or its territories, you have health coverage. Specific overseas locations where TRS is accepted include:

  1. U.S. Military Bases: Healthcare services are available at MTFs located on U.S. military bases around the world.
  2. Host Nation Providers: When on foreign soil, TRS beneficiaries may seek care from host nation providers within the TRICARE network if available.

Traveling with TRS

When traveling, whether domestically or internationally, it’s paramount to prepare beforehand:

  • Verify Provider Participation: Always check if your destination has TRS network providers or MTFs to minimize unexpected healthcare costs.
  • International SOS: For overseas assistance, the International SOS program offers help in finding healthcare services for TRS members.

Understanding the geographic coverage of Tricare Reserve Select streamlines accessing healthcare services for Reserve or National Guard members and their families, no matter where they are in the world.

Navigating Tricare Reserve Select Providers

Finding healthcare providers that accept Tricare Reserve Select (TRS) is crucial for ensuring that you and your family receive the necessary medical care without incurring unexpected costs. Here, you’ll learn how to navigate the process of locating TRS providers effectively.

Utilize the Tricare Provider Directory

Start your search by accessing the Tricare Provider Directory, a comprehensive resource for finding both network and non-network providers. This online tool allows you to search based on location, provider type, and specialty, ensuring you find a provider that meets your specific needs.

Military Treatment Facilities (MTFs)

Check if your healthcare needs can be met at a Military Treatment Facility. MTFs give priority to active duty service members but often provide services to TRS members based on availability. Accessing care at MTFs typically results in lower out-of-pocket costs.

Network Providers

Opting for network providers guarantees the lowest cost-sharing and simplifies the billing process. These providers have agreements with Tricare, ensuring they meet specific quality standards. Always verify the provider’s network status as it can change.

Non-Network Providers

You can also receive care from non-network providers, though this may increase your out-of-pocket expenses and require you to pay upfront and file for reimbursement. Always confirm the provider’s willingness to accept TRS and understand the potential for higher costs.

Overseas Care

If you’re overseas, utilize the Tricare Overseas Program (TOP) network. The Global Remote Overseas program is specifically designed to support TRS members abroad, providing access to a network of providers that meet Tricare’s standards.

Verify Provider Participation Regularly

Provider networks can change, so it’s essential to verify a provider’s participation in the TRS program regularly. Before scheduling appointments or services, contact the provider directly or check through the Tricare Provider Directory to ensure they still accept TRS.

By understanding how to navigate Tricare Reserve Select providers, you can maximize your healthcare benefits while minimizing out-of-pocket expenses. Utilizing the available resources effectively ensures that you and your family have access to the healthcare services you need, wherever you are.

Coverage Details

Tricare Reserve Select (TRS) extends comprehensive healthcare coverage, emphasizing preventive services, outpatient and inpatient care, maternity care, mental health services, and prescriptions. For Reserve and National Guard members who are not on active duty, TRS acts as a premium-based healthcare plan offering broad benefits similar to those of active-duty members. Understanding these details ensures you maximize your healthcare benefits while minimizing out-of-pocket expenses.

Preventive Care

Under TRS, preventive care includes annual physicals, screenings, and immunizations at no cost when visiting network providers. Examples of covered screenings encompass cancer screenings such as mammograms and colonoscopies, and cholesterol tests, ensuring early detection and prevention of health issues.

Outpatient and Inpatient Care

TRS covers both outpatient and inpatient care, including surgeries, emergency care, and hospital stays. Choosing providers within the TRS network reduces your cost-share and eliminates the need for claim filings, as network providers coordinate directly with TRS for payment.

Maternity Care

Maternity care under TRS encompasses prenatal, delivery, and postnatal care, offering comprehensive support for expectant mothers. Network providers offer the advantage of lower out-of-pocket costs and direct billing services.

Mental Health Services

Mental health services, including consultations, therapy sessions, and substance abuse treatment, are covered under TRS. These services are available through network providers, ensuring affordable access to mental health support.

Prescription Drug Coverage

TRS provides coverage for prescription drugs, with the option of using military pharmacies, home delivery services, or retail pharmacies. Costs vary depending on where you fill your prescription, with military pharmacies often offering medications at no cost.

Regularly confirming the network status of your providers and understanding the nuances of covered services under TRS play a crucial role in optimizing your healthcare benefits. Leveraging the Tricare Provider Directory allows you to effectively find network and non-network providers, ensuring access to necessary healthcare services while managing costs efficiently.

Costs and Fees

Understanding the costs and fees associated with Tricare Reserve Select (TRS) is essential for maximizing your healthcare benefits while minimizing out-of-pocket expenses. TRS is designed to offer affordable healthcare options to Reserve or National Guard members, but certain costs apply depending on the type of service and healthcare provider chosen.

Enrollment Fees

TRS requires an annual enrollment fee. In 2023, the fee for individual coverage is $50.75 per month, and for family coverage, it’s $229.99 per month. These fees are subject to annual adjustments.


A deductible is the amount you pay each fiscal year before TRS starts to pay. For members in pay grades E-4 and below, the annual deductible is $52 for individual coverage and $104 for family coverage. For members in pay grades E-5 and above, the deductibles are $156 for individual and $313 for family coverage.

Cost Shares and Co-payments

After meeting the deductible, you’ll pay a certain percentage of the service cost—a cost-share or co-payment. The cost-share rates vary based on the type of service (outpatient, inpatient, mental health) and provider (network vs. non-network). Opting for network providers generally results in lower cost-shares and co-payments, while using non-network providers may increase your out-of-pocket costs.

Prescription Drug Costs

TRS covers prescription drugs at military pharmacies, through the TRICARE Pharmacy Home Delivery, or at retail network pharmacies. Costs vary depending on the pharmacy chosen and the prescription’s tier. For example, using the home delivery service for a generic drug typically incurs a lower co-payment than obtaining the same drug from a retail network pharmacy.

These costs are crucial factors in your healthcare planning. By familiarizing yourself with the enrollment fees, deductibles, and the distinctions between cost-shares and co-payments for different services and providers, you can make informed decisions about your healthcare. Always verify the latest cost information on the official TRICARE website or contact TRICARE customer service for the most current details.

How to Enroll

Understanding the enrollment process for Tricare Reserve Select (TRS) is crucial for ensuring you have access to comprehensive healthcare coverage. Enrollment in TRS is available to members of the Reserve or National Guard who are not on active duty or covered under the Transitional Assistance Management Program (TAMP). Here’s a step-by-step guide to get you started:

  1. Eligibility Check: Confirm your eligibility by visiting the official Tricare website or contacting a Tricare representative. Eligibility hinges on your status with the Reserve or National Guard.
  2. Required Documents: Gather necessary documentation, including your military ID and any other requested identification, to support your application.
  3. Enrollment Application: Complete the TRS enrollment application available on the Tricare website. You can also enroll by phone, by mail, or in person at a service center, if you prefer.
  4. Selecting Coverage Start Date: Decide on your coverage start date. Keep in mind, enrollment is open year-round, but coverage start dates are subject to specific enrollment periods.
  5. Payment of the First Premium: Pay the first monthly premium during the enrollment process. Payment can be made via credit card, debit card, or Electronic Funds Transfer (EFT).
  6. Confirmation: After submitting your application and initial payment, you’ll receive a confirmation of enrollment from Tricare. This document will detail your coverage start date and any further steps needed.
  7. Choosing a Provider: With enrollment confirmed, you can begin choosing healthcare providers within the TRS network to ensure lower out-of-pocket costs. Utilize the Tricare provider directory to find eligible providers.
  8. Understanding Your Benefits: Familiarize yourself with your plan’s benefits, including covered services, copays, deductibles, and pharmacy benefits, to maximize your plan’s offerings and minimize your expenses.

The process of enrolling in TRS should be straightforward if you follow these outlined steps. Remember, maintaining accurate and up-to-date personal information with Tricare is essential for seamless healthcare service delivery. You’ll quickly discover that efficient enrollment management positions you to fully leverage your TRS benefits, thereby optimizing your healthcare coverage and minimizing out-of-pocket costs.


Navigating the Tricare Reserve Select (TRS) system doesn’t have to be a daunting task. Armed with the right information, you’re now equipped to make informed decisions about your healthcare coverage. Remember, enrolling in TRS is a critical step towards ensuring you and your family’s health and financial well-being. By following the outlined steps for enrollment and choosing providers within the TRS network, you’ll be able to access the comprehensive healthcare coverage you deserve while keeping costs manageable. Don’t let the complexities of healthcare deter you; take control of your benefits today and ensure you’re fully utilizing the TRS to your advantage.



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