Medical care for military family members

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Eligibility for TRICARE Health Plans
Family members of Active service Reserve / Guard activated Reserve / Inactive Guard Retired Active Reserve / Retirement care
First Yes Yes No Yes* Yes 60 years and over
Main remote control Yes Yes No No No
Premium abroad Yes Yes No No No
Remote bonus abroad Yes Yes No No No
To select Yes Yes No Yes Yes 60 years and over
Select Overseas Yes Yes No Yes Yes 60 years and over
For life Yes with Medicare A&B No No Yes with Medicare A&B Yes with Medicare A&B
Book Select No No Yes No No
Retirement reserve No No No No Yes under 60
Young adult Yes* Yes* No Yes* Yes
United States Family Health Plan Yes* Yes* No Yes* Yes 60 years and over

Source: TRICARE

Cover provided

As an Army dependent, your benefits and coverage vary depending on whether your sponsor is an active duty member, a member of the National Guard / Reserves, or a retired service member of some sort. that is. Benefits and coverage also depend on location and service status, if applicable.

Dependents of active service members

As an active dependent, you have the choice of any TRICARE plan that your sponsor is eligible for. However, your registration is not automatic. Your sponsor must register with TRICARE and DEERS. Depending on your sponsor’s duty station, your coverage may be provided by one of the following:

  • TRICARE Prime
  • TRICARE Prime remote control
  • TRICARE Premium abroad
  • TRICARE Prime remote control abroad

You may also be eligible for any of the following:

  • TRICARE Select
  • United States Family Health Plan
  • TRICARE for life (with Medicare)
  • TRICARE Select Overseas
  • TRICARE Young adult

Dependents can also purchase the TRICARE dental program.

When your sponsor separates from the military, the military and their family members may be eligible for the Transitional Assistance Management (TAMP) program, which provides 180 days of premium health care benefits. Once TAMP coverage ends, the former member and his or her family can enroll in the premium-based Continuing Health Care Benefit (CHCBP) program for up to 18 months of coverage. Members who are not eligible for TAMP coverage may also enroll in CHCBP for 18 months coverage.

National Guard / dependent reserve members

Dependents of members of the National Guard or the Reserve may be eligible for registration with TRICARE. Benefits, if you are eligible, depend on the status of your sponsor.

Line of Service Care (LOD)

If your sponsor sustains an injury or suffers from an illness in the line of duty, such as while performing active duty for training (ADT), inactive duty training (IDT), weekend exercise, or other training, he may be eligible for LOD care. Treatment, including dental treatment, will be specific to the illness or injury. LOD care does not qualify family members for health insurance.

Inactive status

Inactive status means your sponsor is on inactive duty, including weekend training, annual training, or active duty of 30 days or less. During this period, dependents are eligible for TRICARE Reserve Select, a premium-based health care plan.

When activated

When your sponsor is called or ordained to active duty for more than 30 consecutive days, you become eligible for the same health and dental benefits as dependents of active duty members, including TRICARE Prime, TRICARE Prime Remote, TRICARE Prime Besides -mer, TRICARE Prime Overseas Remote, optional plans and active duty dental program. (See Active service above.)

When disabled

When your sponsor deactivates, your health care options depend on whether or not they activate in support of an emergency operation.

  • If activation was not in support of an emergency operation, TRICARE coverage begins on the first day of your sponsor’s orders and ends when they leave active duty. At that time, your sponsor can purchase TRICARE Reserve Select, if you qualify, or CHCBP, if you don’t.
  • If your sponsor has been activated in support of an emergency transaction, your TRICARE coverage begins on the first day of their orders and continues for 180 days after deactivation under TAMP. At the end of the TAMP, your sponsor can purchase TRICARE Reserve Select or the CHCBP.
  • If activating your sponsor in support of an emergency transaction has delayed orders on the effective date, you become eligible for dependent benefits up to 180 days before the first day of orders. of your sponsor. Upon release from active duty, you will have TAMP coverage for 180 days, after which your family can choose Reserve Select coverage or CHCBP.

To verify your eligibility for coverage, your sponsor must go to the milConnect site and log in using their Common Access Card (CAC), the myPay account of the Defense Finance and Accounting Department (DFAS ) or the DoD (DS Logon) Premium self-service login (level 2 account).

Cost

As with benefits and coverage, your costs under TRICARE depend on whether your sponsor is an active duty member or a member of the National Guard / Reserves. Costs also vary for dependents of National Guard and Reserve members depending on their enlistment status.

Dependents of active service members

Active duty military personnel and their families typically receive free medical care through TRICARE Prime, TRICARE Prime Remote, TRICARE Prime Overseas, TRICARE Prime Remote Overseas, US Family Health Plan (USFHP), or TRICARE Young Adult (TYA) Prime.

Specifically, there is no annual registration fee or deductible fee for Active Service Members (ADSM). ADSMs who are enrolled in one of the programs listed above pay no fees unless they use one of the following:

  • A network pharmacy or TRICARE Pharmacy Home delivery
  • A TRICARE Prime plan and they get treatment without a referral
  • TRICARE Select

National Guard / dependent reserve members

When your sponsor is activated (on active duty for 30 consecutive days or more), you are entitled to the same benefits as dependents of active service members (see above). Otherwise, when your sponsor is in an inactive or active status for less than 30 days, you are eligible for a TRICARE Reserve Select premium based plan. For 2021, the monthly sponsor plus family bonus is $ 238.99. Co-payments and cost-sharing vary depending on the service provided.

How much does military health care cost family members?

Family members of active-duty military personnel receive most of their health care free of charge. Family members of National Guard / Reserve members can subscribe to a premium based plan.

What is TRICARE?

TRICARE is the primary health care delivery mechanism of the Defense Health Agency. This is the medical system used by active duty and reserve service members, the National Guard and their families for medical treatment.

Do military families have access to dental insurance?

Dependents of Active Service, National Guard and Reserve Service members can enroll in the TRICARE Dental Program.


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