Posted on Jun 27, 2020
PVT Infantryman
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How does Tricare Reserve Select compare to your employer health plans? Do most opt for Tricare and are there many problems finding in-network providers?
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Responses: 4
PO1 Dental Technician
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It's literally the entire reason that I'm in the reserves and will stay in until the navy kicks me out. I'm a hospital corpsman and work with civilian insurance at my clinic. Unless you get a really sweet deal from an amazing corporation just get tricare reserve! You get the same coverage as most employer plans but the DoD pays for half of your monthly premium. Not as good as active duty tricare but still twice as good as civilians get.
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MSgt Sr. Emergency Actions/Management Controller
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I'm late getting to this.. but I used to have tricare reserve select.. it was cheap, and I lived in a rural area of texas. Was still easy to find a provider. Just use the website, click the type of care you need and it will show you what is available near you. But call ahead and verify if that office is still taking tricare.
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COL Vincent Stoneking
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From what I've seen, if you are in a major metro area, especially in close proximity to military facilities, it's not a big deal. The further you are from a major metro, the more difficult it is to find a tricare provider - especially one who is accepting new patients. The problem is 2-fold, less provider density and less incentive to sign on as a provider with yet another insurance plan (and one that has relatively fewer patients). They have/had a few quirks as I remember (didn't cover chiropractic at the time), but was roughly as good as my civilian employer's insurance overall. My ex, in a rural area, couldn't find a provider in network in a reasonable commuting distance. This info is from the 2014-2017 timeframe, YMMV.
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