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TRICARE Select Enrollment

Overview

TRICARE Select is a self-managed, preferred provider organization (PPO) program with an annual enrollment requirement. It allows beneficiaries to use the TRICARE civilian provider network, with reduced out-of-pocket costs compared to care from non-network providers, as well as military facilities (where they exist and if space is available).

Eligibility

Those eligible for TRICARE Select include:

  • family members and survivors of active duty service members 
  • retired service members
  • family members and survivors of retired service members 
  • qualified former spouses 

In addition, beneficiaries must be registered in the Defense Enrollment Eligibility Reporting System (DEERS).

Enrolling in TRICARE Select

You may enroll in TRICARE Select by:

Beneficiaries who remain eligible will be automatically re-enrolled each year unless they elect a different option or disenroll during the open enrollment season.

Changes in enrollment can only occur during TRICARE's Open Season or within 90 days of a qualifying life event (see below).  

Effective Dates

Active duty family members who do not reside in a Prime Service Area (PSA) are automatically enrolled in TRICARE Select once registered in DEERS, with an effective date based on their eligibility date in DEERS. The active duty family member will have 90 days to determine if he/she wants to stay enrolled in Select or switch enrollment to TRICARE Prime.

If you enroll in TRICARE Select during TRICARE's Open Season, your enrollment is effective January 1 of the following year. Enrollment due to a qualifying life event (QLE), such as adding a newborn, is effective the date of the QLE.  

Fees

Enrollment fees are subject to change each calendar year (Jan. 1–Dec. 31). 

Type of Coverage Active Duty
Family Members
Group A*
Active Duty
Family Members
Group B*
Retirees
Group A*
Retirees
Group B*
Member only $0 $0 $0 2018: $450
2019: $462
Member and family $0 $0 $0 2018: $900
2019: $924

Note: Rates are subject to change every calendar year.

Review Make a Payment and Payment Options for future payment options.  

*A beneficiary’s group category is determined by the sponsor’s initial enlistment or appointment date:

  • Group A: Sponsor’s enlistment or appointment date occurred prior to Jan. 1, 2018.
  • Group B: Sponsor’s enlistment or appointment date occurred on or after Jan. 1, 2018.

Qualifying Life Events

A change in your or a family’s member life may affect your TRICARE enrollment options. This is known as a qualifying life event, or QLE. View the QLE chart below for additional information. 

If you would like to make an enrollment change, the request must be made within 90 days of the QLE. 

Qualifying Life Event Additional Information
Adding a Family Member (except a newborn or adopted child)

Active duty family members (ADFMs)

All new eligible ADFMs, whose residential address is outside of a PSA will automatically be enrolled in TRICARE Select.

Retiree family members

New family members are not automatically covered by TRICARE Select. To make sure your family member is enrolled in TRICARE Select, you must complete two steps:

  • Update your family member’s eligibility in DEERS by visiting a RAPIDS site.  
  • Submit an enrollment request to HNFS (see above) within 90 days of the QLE.

If you do not enroll in TRICARE Prime or TRICARE Select, you will only be eligible for care in a military hospital or clinic if space is available under direct care.

Adding a Newborn or Adopted Child

If there are no family members enrolled in TRICARE Prime or the sponsor is not active duty:

A newborn or adoptee will be treated as a TRICARE Select beneficiary as of the day of birth or adoption. Formal enrollment in TRICARE Select is required within 90 days. To ensure your child has continuous TRICARE Select coverage, you must complete two steps:

  • Update your child’s eligibility in DEERS by visiting a RAPIDS site within 90 days. 
  • Submit an enrollment request to HNFS (see above) within 90 days of your child’s date of birth or adoption. 

If the DEERS update and TRICARE Select enrollment request is not received within 90 days of your child’s date of birth or adoption, then previously paid claims during the first 90 days will be recouped and he/she will not be eligible for TRICARE Select coverage.

Change in Status

Active duty to retired

A TRICARE Select enrollment request must be received within 90 days of the sponsor's retirement to qualify for continuous coverage. If you don't enroll in a TRICARE plan, you will only be eligible for care in a military hospital or clinic under direct care if space is available.

You can submit the request up to 30 days prior to the retirement date and up until 90 days after the retirement date to qualify for continuous coverage.

Active duty to Transitional Assistance Management Program (TAMP)

A TRICARE Select enrollment request must be received within 90 days of status change. 

Separating from the military

Benefits end the last day of the sponsor's military service. Log in to the milConnect website to determine when your benefits end. You may be eligible to enroll with the Continued Health Benefits Program (CHCBP)TRICARE Reserve Select is available for select members of the National Guard and Reserve and their family members and TRICARE Retired Reserve is available to retired reservists and their family members. 

Death in the Family

Surviving spouses remain eligible for TRICARE as long as they do not remarry. For the first three years following the death of their sponsor, they fall under transitional survivor status and are eligible for active duty family member TRICARE benefits and costs. After three years, spouses convert to survivor status and are eligible for TRICARE retiree benefits and costs.

Children up to the age of 21, or 23 if a full-time student, are eligible with transitional survivor status for active duty family member TRICARE benefits and costs until TRICARE eligibility ends due to age limits or another reason, such as marriage.

For information, visit TRICARE’s survivor page.

Moving Currently enrolled TRICARE Select beneficiaries who move can transfer their enrollment online, by mail, or phone within 90 days of the QLE. Your enrollment transfer will be effective the date your request is received. 
Children Going to College or Becoming an Adult See our TRICARE Young Adult page.

Other QLEs include getting divorced, becoming Medicare-eligible, a loss or gain of other health insurance, and government-mandated plan or PCM changes. 

Disenrolling from TRICARE Select

Voluntary disenrollment: You may voluntarily disenroll from TRICARE Select. However, eligible beneficiaries not enrolled in a TRICARE plan are only covered for care at the military hospital or clinic under direct care if space is available. Beneficiaries can only re-enroll during the open enrollment season and/or in the event of a QLE.

You may disenroll by:

  • Beneficiary Web Enrollment
  • Mailing or faxing a TRICARE Select Enrollment/Disenrollment Form to:
    TRICARE Select Enrollment/Disenrollment
    PO Box 8458
    Virginia Beach, VA 23450-8458
    Fax: 1-844-388-8282
  • Telephone at 1-844-866-WEST (9378), Monday through Friday, 5:00 a.m.–9:00 p.m. (PT).

If voluntarily disenrolling, you can request a specific disenrollment date. 

Non-payment or failure to comply (applies to Group B only): You will be disenrolled from TRICARE Select if payment is not received within 30 days from the payment due date. If you have been disenrolled for failure to pay or failure to comply with monthly automatic payment requirements, you must pay all past due fees within 90 days of the paid-through date. If you believe your disenrollment meets an exception, you can submit an Enrollment Exception Request. If not reinstated within 90 days, you will be eligible for enrollment at the next open enrollment season or when a QLE occurs.