Introduction
Hello, PortalSindo Friend! Are you a military service member or a member of their family? If you are, then you might have heard about Tricare Reserve Select Supplemental Insurance. This insurance is a great option for those who are not eligible for Tricare Prime or Tricare Select. In this article, we will delve deeper into what Tricare Reserve Select Supplemental Insurance is, its strengths and weaknesses, as well as frequently asked questions about it.
What is Tricare Reserve Select Supplemental Insurance?
Tricare Reserve Select Supplemental Insurance is a health insurance option that provides coverage to qualified members of the National Guard and Reserve, their family members, and survivors. It is a premium-based insurance program and is not available to active-duty service members.
How Does Tricare Reserve Select Supplemental Insurance Work?
Tricare Reserve Select Supplemental Insurance works by providing coverage for medical services and procedures that are not fully covered by Tricare Standard. It works as a supplement to Tricare Standard and is not a standalone insurance plan.
What Are the Benefits of Tricare Reserve Select Supplemental Insurance?
There are several benefits of Tricare Reserve Select Supplemental Insurance, including:
- Lower out-of-pocket costs for medical services and procedures
- Coverage for services and procedures that are not fully covered by Tricare Standard
- Choice of healthcare provider
- Coverage for mental health services
What Are the Limitations of Tricare Reserve Select Supplemental Insurance?
While Tricare Reserve Select Supplemental Insurance has several benefits, it also has its limitations, including:
- Higher monthly premiums compared to other Tricare plans
- Only available to qualified members of the National Guard and Reserve, their family members, and survivors
- Not available to active-duty service members
- Not a standalone insurance plan and requires Tricare Standard to be eligible
How Much Does Tricare Reserve Select Supplemental Insurance Cost?
The monthly premium for Tricare Reserve Select Supplemental Insurance varies depending on the sponsor’s military status, the number of family members covered, and the location of the sponsor’s residence. As of 2021, the monthly premiums range from $44.17 for an individual to $253.95 for a family.
What Does Tricare Reserve Select Supplemental Insurance Cover?
Tricare Reserve Select Supplemental Insurance covers a wide range of medical services and procedures, including:
| Medical Services and Procedures | Coverage |
|---|---|
| Doctor visits | 80% after deductible |
| Emergency care | 80% after deductible |
| Prescription drugs | 80% after deductible |
| Lab tests and X-rays | 80% after deductible |
| Physical therapy | 80% after deductible |
| Inpatient hospital care | 80% after deductible |
| Outpatient surgery | 80% after deductible |
| Mental health services | 80% after deductible |
Frequently Asked Questions
1. Who is eligible for Tricare Reserve Select Supplemental Insurance?
Tricare Reserve Select Supplemental Insurance is available to qualified members of the National Guard and Reserve, their family members, and survivors.
2. Can I enroll in Tricare Reserve Select Supplemental Insurance if I am an active-duty service member?
No, Tricare Reserve Select Supplemental Insurance is not available to active-duty service members.
3. How much does Tricare Reserve Select Supplemental Insurance cost?
The monthly premium for Tricare Reserve Select Supplemental Insurance varies depending on the sponsor’s military status, the number of family members covered, and the location of the sponsor’s residence.
4. What does Tricare Reserve Select Supplemental Insurance cover?
Tricare Reserve Select Supplemental Insurance covers a wide range of medical services and procedures, including doctor visits, emergency care, prescription drugs, lab tests and X-rays, physical therapy, inpatient hospital care, outpatient surgery, and mental health services.
5. How do I enroll in Tricare Reserve Select Supplemental Insurance?
You can enroll in Tricare Reserve Select Supplemental Insurance through the Tricare Reserve Select website or by calling Tricare.
6. Can I change my Tricare Reserve Select Supplemental Insurance plan?
Yes, you can change your Tricare Reserve Select Supplemental Insurance plan during the annual open enrollment period or if you experience a qualifying life event.
7. Can I use Tricare Reserve Select Supplemental Insurance outside of the United States?
Yes, Tricare Reserve Select Supplemental Insurance provides coverage for medical services and procedures outside of the United States.
8. What is the deductible for Tricare Reserve Select Supplemental Insurance?
The deductible for Tricare Reserve Select Supplemental Insurance is $150 per individual and $300 per family.
9. Can I use Tricare Reserve Select Supplemental Insurance with other insurance plans?
Yes, you can use Tricare Reserve Select Supplemental Insurance with other insurance plans.
10. How long does it take to process a Tricare Reserve Select Supplemental Insurance claim?
The processing time for Tricare Reserve Select Supplemental Insurance claims varies depending on the type of claim and the location.
If you miss a Tricare Reserve Select Supplemental Insurance premium payment, your coverage will be suspended until you pay the outstanding balance.
12. What is the difference between Tricare Reserve Select Supplemental Insurance and Tricare Prime?
Tricare Reserve Select Supplemental Insurance is a premium-based insurance program that provides coverage for medical services and procedures that are not fully covered by Tricare Standard. Tricare Prime, on the other hand, is a managed care option that provides comprehensive coverage for medical services and procedures.
13. What is the difference between Tricare Reserve Select Supplemental Insurance and Tricare Select?
Tricare Reserve Select Supplemental Insurance is a premium-based insurance program that provides coverage for medical services and procedures that are not fully covered by Tricare Standard. Tricare Select, on the other hand, is a fee-for-service option that provides comprehensive coverage for medical services and procedures.
Conclusion
Tricare Reserve Select Supplemental Insurance is a great option for qualified members of the National Guard and Reserve, their family members, and survivors who are not eligible for Tricare Prime or Tricare Select. While it has its limitations, it also has several benefits, including lower out-of-pocket costs for medical services and procedures, coverage for services and procedures that are not fully covered by Tricare Standard, and choice of healthcare provider. We hope this article has provided you with the information you need to make an informed decision about Tricare Reserve Select Supplemental Insurance.
Don’t wait any longer, enroll in Tricare Reserve Select Supplemental Insurance today and ensure that you and your family have the coverage you need!
Disclaimer
The information provided in this article is for informational purposes only and should not be considered as legal, financial, or medical advice. Please consult with a licensed professional for any legal, financial, or medical advice.
