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Thread: Tricare Reserve Select

  1. MilitarySOS Jewel
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    #1

    Help Tricare Reserve Select

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    So DH and I are looking into different insurance options because the one they are offering him is crazy expensive. We started looking into Tricare Reserve Select (TRS) and can only find a little bit of information on it online.

    Anyone use it or have experience with it?

    Anyone know a lot about it? I have read its very similar to Tricare Standard, but even that confuses me sometimes

    Just looking for info.
  2. I was a GREAT mom... until I had kids.
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    #2
    that's what we have. I love it. I see any doctor I would like. No co pays.

    What would you like to know?




  3. I was a GREAT mom... until I had kids.
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    #3
    wait, now I'm not sure if that's what we have.



    Yeah, we don't have that one... we have Trice Prime Remote.




  4. Senior Member
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    #4
    We have it and i LOVE it! It covers our whole family for about 200 a month and it covers just about EVERYTHING. seriously. including specialists and counselors and you only pay a little out of pocket if you use network providers but you don't have to even do that. just make sure the dr will take tricare....something about them not being network but it's like they are in network? i've never really dealt with that yet as i have just been seeing network dr's.

    you only have a 1000 dollar year cap that you pay ( not a deductable, just what you pay out of pocket total) so that after that you don't pay a dime. and it cover maternity even. I haven't found better insurence. oh and you dont have to have referals anymore to go to a specialist.

    hope that helps some...if you have more questions feel free to ask
  5. MilitarySOS Jewel
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    #5
    What about submitting claims? I am assuming it depends on the Dr, but is it like reg. insurance where the dr. submits it to tricare, tricare pays whatever its going to pay, and then I get a bill?

    Is there a website by any chance where I can check the status of claims and stuff like that?
  6. Senior Member
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    #6
    we have never submitted a claim. we just go (no up front co-pay) and then the office sends us a bill later, after tricare has paid for what they allow, for our small percentage of the bill. for a normal dr visit, its just a few dollars usually. all the network dr.s will do that for you. one time we had a 3K dollar ER bill and we were only responsible for 100 of it.

    The filing claims part comes in if you use a ..... hold on a sec i'm getting the book lol....ok they are called participating non-network providers and they submit the claims for you. from what we have discovered is you want to stay away from non-participating non-network drs. as they can charge you up to 15% above what tricare will cover. and that can be pricey.

    as far as the website goes i'm not sure cause i hate the tricare website for this area. if i get a bill that looks odd i just call our local rep.
  7. MilitarySOS Jewel
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    #7
    True. Thanks for the help hun, its been great!
  8. Senior Member
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    #8
    no problem! hope you find something that works out for you
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    #9
    It looks like Tricare standard benefits, just at a monthly fee. I LOVE standard. I love the freedom we have under it. And 200/month is great (insurance costs are astronomical, my parents pay $600/month through the state). I've had great coverage under Tricare. Seriously, if anything really bad was to happen (car accident, cancer etc) it is the most affordable healthcare out there (short of Tricare Prime) due to the small $1000 catastrophic cap. Just saying. Most my friends pay 3-5K out of pocket just to have a baby.

    I generally choose to see Tricare network doctors, its just easier. Otherwise you sometimes have to file it yourself and its a huge pain (but you can do it).
  10. MilitarySOS Jewel
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    #10
    Unless it was an emergency I would never see an out of network Dr. so I am not to worried about that part.

    For those that use it, do/did you or your SO have another insurance option. DH is kinda hesitant because he "thinks" he heard somewhere that TRS is only for those reserve/NG that don't have another option (like civilian job does not offer it) but I cant find that it says that ANYWHERE.
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