TRICARE Retired Reserve®

TRICARE Retired Reserve is:

  • A premium-based plan 
  • Available worldwide
  • For qualified Select Reserve members and their family members

Who Can Participate?

  • Retired Reserve members who are:
    • Members of the retired Reserve of a Reserve Component who are qualified for non-regular retirement under 10 U.S.C., Chapter 1223
    • Under age 60
    • Not eligible for, or enrolled in, the Federal Employees Health Benefits program 
  • Family members of qualified retired Reserve members             
  • Survivors of retired Reserve members if:
    • The sponsor was covered by TRR when they died
    • They're immediate family members of the deceased sponsor (spouses can't be remarried)
    • TRR coverage would begin before the date the deceased sponsor would have turned 60 years old
    • Survivor coverage isn't affected by FEHB eligibility

How It Works

Schedule an appointment with any TRICARE-authorized providerAn authorized provider is any individual, institution/organization, or supplier that is licensed by a state, accredited by national organization, or meets other standards of the medical community, and is certified to provide benefits under TRICARE. There are two types of TRICARE-authorized providers: Network and Non-Network. DS.

  • If you visit a non-network provider, you'll pay higher cost-shares and may have to file your own health care claims.
  • If you visit a network provider, you'll pay lower cost-shares and the provider will file health care claims for you.
If space is available, you may request an appointment at a military hospital or clinic.

Referrals aren't required, but you may need pre-authorization from your regional contractor for some types of services.

What You Pay

  • Monthly premiums
  • Annual deductible
  • cost-shareA percentage of the total cost of a covered health care service that you pay. (or percentage) for covered services

View TRICARE Retired Reserve costs.

Is TRICARE Retired Reserve Right for You?

TRR may be the right option for you and your family members if you qualify. The plan provides comprehensive health care coverage upon your retirement, and you don't have to wait until you reach age 60 and begin drawing retired pay to purchase the plan. Plus, because you can see any provider, you don't have to change providers if you already have one.

How To Enroll 

Visit TRICARE Retired Reserve Enrollment to learn more.

For information on disenrolling or ending plan coverage, visit Ending TRICARE Retired Reserve.

Retired Reserve members located overseas may submit an enrollment request at a TRICARE Service Center.

Last Updated 5/15/2025