TRICARE Reserve Select Handbook

When you experience a change in your family composition certain actions are necessary to ensure continuous TRICARE Reserve Select (TRS) coverage for all eligible family members.

• Marriage
• Birth or adoption of child
• Placement of a child in the legal custody of the member by an order of the court
• Divorce or annulment
• Death of a spouse or family member
• Last family member becomes ineligible (requires a change from TRS member-and-family to TRS member-only coverage )

To ensure there is no interruption to your TRS coverage, first, you must report the change in family composition as described in “Updating DEERS” in the Information and Assistance section of this handbook.

Second, you must log on to the TRS Web Application and follow the prompts for making changes to family composition. Print the TRS Request form from the TRS Web application, sign it, and send it to Humana Military. This form must be postmarked or received by Humana Military no later than 60 days from the date of the family change. The effective date of coverage is the date the family change occurred.

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TRS coverage for newborns or adopted children differs depending on the type of coverage the sponsor (the National Guard or Reserve Member ) has: TRS member-and-family or TRS member-only.

With TRS member-and-family coverage, newborns and adopted children are covered automatically by TRS for 60 days after the birth or adoption. Children can continue TRS with no break in coverage if the TRS Request form is postmarked or received by the TRICARE Service Center (TSC) or Humana Military within 60 days of the birth or adoption. Beyond 60 days, the child must be enrolled for claims to be paid. If the TRS Request form is not received by the TSC or Humana Military or postmarked within 60 days, any further TRS coverage for the child is terminated. All pended claims will be denied, and the member is responsible to pay the total amount for all health care the child received.

Note: Since a family plan already exists, additional premiums will not be required when enrolling the new child.

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With TRS member-only coverage, newborns or adopted children are not automatically covered and claims will not be paid until the newborn or adopted child is registered in DEERS and a TRS Request form is received. If the member wants coverage retroactive to the date of the birth or adoption, the request for member-and-family coverage must be received by the TSC or Humana Military or postmarked within 60 days of the birth or adoption. If the TRS Request form is not received by the TSC or Humana Military or postmarked within 60 days, all pended claims will be denied, and the member is responsible to pay the total amount for all health care the child received.

Note: When the type of plan changes from member-only to member-and-family, there is an increase in the monthly premium. The sponsor is responsible for paying the increase in premium, which begins on the date of the birth or adoption.

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