Air Force Reserves Health Benefits

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Health benefits for Air Force reservists are provided by TRICARE Reserve Select, or TRS, which is a premium-based health plan. There are several different plans available under TRS, with a variety of deductibles and co-payments. The amount of out-of-pocket expenses the insured must pay each year are capped, which provides protection against catastrophic loss.

Coverage Types

Under TRS, coverage is available for both a Air Force reservist and his family. Additionally, they will have access to any TRICARE-authorized medical facility or healthcare provider. There are three types of coverage plans: TRICARE Prime, where the military provides the primary treatment; Extra, which is a less expensive preferred-provider option, and Standard, a fee-for-service plan similar to an indemnity plan.

Eligibility

To be eligible for health benefits under TRS, you cannot be enrolled in any other federal health plan, and you must belong to the Selected Reserve of the Ready Reserve. Your unmarried children are covered until the age of 21, or age 23 if a full-time student. Spouses may be continue to be covered if the reservist dies in the line of duty.

Coverage

An Air Force reservist will be covered for emergency and urgent care, annual eye exams, mental health visits, maternity, health screenings and for prescription drugs. There is no annual enrollment fee, and coverage can be continued upon retirement from the reserves until the age of 65 for both the reservist and family members.

Outpatient Costs

If you are classified as E-4 or below, you will pay a $50 deductible for an individual, and $100 for a family. For E-5 and above, the deductible is $150 for an individual and $300 per family. After the deductible is met, you will pay 15 percent of the negotiated rate for in-network services, and 20 percent of the allowable charge of out of network visits.

Catastrophic Coverage

The most you will pay for out-of-pocket medical expenses per year is capped at $1,000, which includes deductibles, co-payments and other TRICARE-allowable charges.

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