For a Reserve component member managing multiple medical appointments each week, the combination of TRICARE Reserve Select (TRS) and ROA’s ReserveCare supplement can provide powerful financial protection. TRS allows you to schedule appointments with any TRICARE-authorized provider — including specialists — without a referral, giving you flexibility in managing a busy appointment schedule. TRICARE In-network copayments typically range from $18 to $76 per visit, and for out-of-network visits, you pay 20% of the cost of care. Those costs can add up fast with several appointments a week — but that’s exactly where ReserveCare steps in.
ReserveCare, teamed with TRICARE, helps pay your copays and cost-shares for covered medical expenses, including doctor visits, lab tests, prescription drugs, outpatient treatments, and hospital stays. The ReserveCare TRICARE Reserve Select Supplement has no deductible, meaning the supplement coverage kicks in right away rather than requiring you to reach a threshold first. If your doctor charges more than what TRICARE allows, ReserveCare covers 100% of covered excess charges, even above the reasonable and customary charges for your area, after TRICARE deductibles are met. For a reservist with frequent medical needs, this layered coverage significantly reduces — and in many cases eliminates — out-of-pocket costs that would otherwise accumulate quickly.
ReserveCare has plans available for retirees and activated members of the Reserve Component too!
Visit roainsure.com to learn more!