Affordable Members–Only Monthly Group Rates
Thanks to the collective buying power of ROA Members, you pay an affordable, members–only group rate. See your monthly rate below:
You’ll be billed quarterly. Rates and/or benefits may be changed on a class basis. All billing modes except annual will include a $2.00 billing fee. To avoid this fee, select EFT as a safe and secure payment option.
Guaranteed Acceptance for You and Your Family
As an ROA Member, under age 65, you are guaranteed acceptance. This means that although you will not be asked to take a medical exam or answer medical questions at the time of enrollment, insurance benefits payable are subject to the pre–existing conditions limitation.
Your spouse, who remains legally married to you, and children (under age 21 or 23 if full–time student) are also guaranteed acceptance too. Your ROA–sponsored ReserveCare coverage begins the first day of the month after the administrator receives your completed Enrollment Form and your first premium payment. ReserveCare covers all new health conditions right away. For current health conditions, the waiting period is 6 months.
Pays Excess Charges
If your doctor charges you more than what TRICARE allows, you’re left to pay the rest of the bill. Not with ReserveCare, because it covers 100% of covered excess charges even if they’re above the reasonable and customary charges for your area after the TRICARE deductibles are met. Remember, however, that doctors and medical providers are prohibited from charging you more than 115% of the amount TRICARE allows.
Select Your Own Doctor
With ReserveCare, you’re free to choose your own TRICARE–authorized doctor or specialist (with no referral) whenever you like.
Current Health Condition Waiting Period Could Be Waived
If you enroll in this ReserveCare TRICARE Reserve Select Supplement within 30 days of the date your TRICARE Reserve Select coverage begins, you and your family will qualify for ReserveCare without the waiting period for current health conditions.
Change in Military Status? ReserveCare Has Other Options for You
If you go back to Active Duty: If you are covered by this ReserveCare TRICARE Reserve Select Supplement and then are reactivated to active duty, your family will then qualify for Active Duty Family Supplement.
If you decide to stay with TRICARE Standard, your family may still need a supplement. ReserveCare Active Duty Family TRICARE Standard Supplement would be available to you. This supplement has similar benefits as the TRICARE Reserve Select Supplement.
If you are Deactivated: If you go back on active duty and purchase TRICARE Reserve Select when you are deactivated, you can switch back to the ReserveCare TRICARE Reserve Select Supplement without any waiting period as long as you let us know within 30 days of the date your TRICARE Reserve Select coverage begins.
Should any of these situations occur, please call the Plan Administrator immediately to discuss the best options for you and your family. You must inform the administrator of any changes to your primary TRICARE coverage as you are their only source for that information.
You Cannot Be Singled Out For Cancellation
Your coverage will remain in force as long as you remain an active ROA Member, the Master Policy remains in force, and you pay your premium. With regards to your covered spouse and children, their coverage will remain in force as long as your coverage is active, premiums are paid or until they no longer meet the eligibility standards.
Your satisfaction is guaranteed with ReserveCare. Take 30 days after you receive your Certificate of Insurance to examine the coverage. Pay for it only after you determine it’s the right protection for you. If you’re not completely satisfied with ReserveCare after the 30–day free look, return your Certificate to cancel your request for coverage. You’re under no obligation.
A hospital must be engaged primarily in medical care and treatment of sick and injured persons on an inpatient basis, have full surgical facilities, be under the supervision of legally qualified physicians and provide 24–hour nursing services by R.N.’s to qualify. A sanitarium operated by or certified by the First Church of Christ Scientist, Boston, Massachusetts, also qualifies. A convalescent home; a place for rest, custodial care or care for the aged; or a place primarily caring for mental illness, drug addiction, or alcoholism does not qualify. Confined or Confinement means being an inpatient in a Hospital due to sickness or injury.
Waiting Period for Current Health Conditions
If you or your covered dependents received medical treatment or advice for a health condition during the six months before the date your protection starts, that health condition won’t be covered until the person has been enrolled in the plan for six months. Please consider this limitation before canceling any other health insurance you may have. However, the waiting period will be waived if you enroll within 30 days of when your TRICARE Reserve Select coverage begins.
General Exclusions and Limitations
The Policy does not cover: injury or sickness resulting from war or act of war, whether war is declared or undeclared; intentionally self-inflicted injury; suicide or attempted suicide, whether sane or insane (in Missouri, while sane); routine physical exams and immunizations, except when: a) rendered to a child up to 6 years from his or her birth; or b) ordered by a Uniformed Service: (1) for a Covered Spouse or Child of an Active Duty Member; (2) for such spouse or child’s travel out of the United States due to the Member’s assignment; domiciliary or custodial care; eye refractions and routine eye exams except when rendered to a child up to 6 years from his or her birth; eyeglasses and contact lenses; prosthetic devices, except those covered by TRICARE; cosmetic procedures, except those resulting from a covered Sickness or Injury; hearing aids; orthopedic footwear; care for the mentally incapacitated or physically handicapped if: a) the care is required because of the mental incapacitation or physical handicap; or b) the care is received by an Active Duty Member’s child who is covered by “Program for the Handicapped” under TRICARE; drugs which do not require a prescription, except insulin; dental care unless such care is covered by TRICARE, and then only to the extent that TRICARE covers such care; any confinement, service, or supply that is not covered under TRICARE; hospital nursery charges for a well newborn, except as specifically provided under TRICARE; any routine newborn care except Well Baby Care, as defined, for a child up to 6 years from his or her birth; expenses in excess of the TRICARE Cap; expenses which are paid in full by TRICARE; any expense or portion thereof which is in excess of the Legal Limit; any expense or portion thereof applied to the TRICARE Outpatient Deductible, except as otherwise provided under the High Deductible plans; treatment for the prevention or cure of alcoholism or drug addiction except as specifically provided under TRICARE and this Policy; any part of a covered expense which the Covered Person is not legally obligated to pay because of payment by a TRICARE alternative program.
Nervous, Mental, Emotional Disorder, Alcoholism, and Drug Addiction Limitations
The coverage provided under the TRICARE Supplement does not cover inpatient treatment for mental, nervous, or emotional disorders in excess of 45 days if under age 19, or in excess of 30 days if age 19 or older in any one calendar year. Outpatient benefits for such disorders are limited to $500 during any period of 12 consecutive months.
Backed by ROA
ROA endorses only one group of TRICARE Supplements on the market: ReserveCare. You can trust ROA to recommend only the best plan that meets their strict guidelines.
Coverage may not be issued in some states. The Master Group Policy (Policy Form SRP-1269-ASN) is issued in Washington, D.C., and is subject to its laws. Policy terms, conditions, exclusions, and limitations are only briefly outlined here. This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this website and the Policy, the terms of the Policy apply. Complete details are in the Certificate of Insurance issued to the insured individual.
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.