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.

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 the regional contractor or postmarked within 60 days of the birth or adoption. If the TRS Request form is not received by the TSC or the regional contractor 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.