Ending TRICARE Reserve Select Coverage

Your coverage may end for a number of reasons, both voluntary or involuntary.

Voluntarily End Coverage

You may choose to end your TRICARE Reserve Select (TRS) coverage at any time. Take the following actions to end your coverage:

1. Log on to milConnect and follow the instructions to "Disenroll"
2. Complete the Reserve Component Health Coverage Request Form online (form is only available through the BWE portal).
3. Print and mail your completed form to your regional contractor.

A 12-month purchase lockout may apply, which means you might not be able to purchase TRS coverage up to one year.  Certain events could cause you to be involuntarily disenrolled.>>Learn More

Don't Just Stop Making Payments

If you don't follow the correct steps to end your coverage and you simply stop making premium payments, your coverage is terminated. During this time, you're still responsible for any premium amounts that are due.

Non-Payment of Monthly Premiums

• Your payment must be received no later than the last business day of each month.
• Failure to pay monthly premiums on time will result in termination of coverage.
• If your coverage is terminated due to nonpayment, contact your regional contractor immediately to see if your coverage can be reinstated.
• If you lost your TRS coverage for failure to pay, you have 90 days from your last paid through date to request reinstatement. If your TRS coverage is reinstated, you’re still responsible for paying all past due premiums. You’ll also have to pay your current premiums, including any related fees.

Change in FEHB Eligibility or Enrollment

• Follow the steps above to end your coverage within 60 days if you become eligible for or enrolled in the FEHB program.
• No purchase lockout will apply.
• If you fail to end your TRS coverage as required, your Reserve Component may drop your TRS coverage, and you're responsible for any health care received after the date your TRS coverage ended.

Change in Status

When ActivatedCalled or ordered to active duty service for more than 30 days in a row.

When you're activated, you and your family become eligible for TRICARE (without premiums) and your TRS coverage automatically ends.

When you later deactivate and lose eligibility for premium-free TRICARE, you may purchase TRS coverage again with no break in coverage as long as you re-qualify.

• Submit your completed Reserve Component Health Coverage Request Form (DD Form 2896-1) with the premium payment postmarked no later than 90 days after the loss of other TRICARE coverage.
• TRS coverage begins the day after the loss of other TRICARE coverage.
• If you qualify for the Transitional Assistance Management Program (TAMP) when you deactivate, TRS coverage would begin the date you submit your enrollment request  following the 180-day TAMP period.

Loss of Eligibility

Your TRS coverage automatically ends if you leave the Selected Reserve or lose eligibility for any other reason. You may purchase TRS coverage again if you re-qualify.

• Upon loss of TRS coverage you may qualify to purchase temporary coverage through the Continued Health Care Benefit Program (CHCBP).
• You're not required to purchase the CHCBP. Instead you may use employer-sponsored health insurance, Medicaid or any other plan offered through the Health Insurance Marketplace.