ReserveCare TRICARE Active Duty Family Supplement: This option available for your spouse and children helps pick up where their TRICARE plan leaves off and helps pay for doctor visits, outpatient treatment, prescription drugs and hospital stays. It also pays 100% of all excess charges — which is the difference between what your actual medical bills are and what TRICARE pays for those bills (not to exceed the TRICARE 115% legal limit). These costs could add up to hundreds of dollars a year out of your own pocket without a supplement.

ReserveCare TRICARE Standard Retiree Basic Supplement: This plan is ideal if you're looking for a little help paying for your medical expenses TRICARE Standard doesn't fully cover — at an affordable price. Once you meet your TRICARE and Plan deductible, this plan pays a specific percentage (25% for Standard, 20% for EXTRA) of the TRICARE-allowed amount until the TRICARE Catastrophic Cap is met. This plan does not pay excess charges.

ReserveCare TRICARE Standard Retiree High-Option Supplement: Most members prefer this plan because it covers almost everything, including excess charges, after you meet the TRICARE and Plan deductibles. It pays 100% of the allowed charges TRICARE Standard leaves behind and pays 100% of all covered excess charges (not to exceed the TRICARE 115% legal limit).

ReserveCare TRICARE Retiree Prime Supplement: This plan may be your best option if you like participating within a network. TRICARE Prime is an HMO and requires you to use a network physician. The ReserveCare Supplement virtually eliminates your out of pocket expenses, such as copayments on doctor visits, hospital care, and prescription drugs.
 

How to Apply

To apply for coverage or learn more about this plan, contact Marsh U.S. Consumer. Or, to speak to a customer service representative call 1-800-247-7988.

Quarterly Rates

*For your convenience, you’ll be billed just four times a year. Rates and/or benefits may be changed on a class basis. If you wish to be billed monthly, this will be done through Electronic Funds Transfer.

Your ReserveCare rates will not increase unless rates increase for all in your classification. Rates are based on attained age and increase as you enter a new age bracket.

All billing modes except annual will include a $2.00 billing fee. To avoid the fee, select EFT as a safe and secure payment option.

Qualified Hospital
To qualify for TRICARE Standard, a hospital must operate within the laws of the jurisdiction in which it is located and be engaged primarily in providing diagnostic and therapeutic facilities for surgical and medical diagnosis, treatment, and care of injured or sick persons by or under the supervision of one or more staff physicians or surgeons, and continuously provide 24-hour nursing service by registered graduate nurses. Hospital does not include a nursing or convalescent home, a place for drug addicts or alcoholics, or a place for rest, custodial care, or care of the aged. Confined or Confinement means being an Inpatient in a Hospital due to Sickness or Injury.

Pre-Existing Condition Limitation
During the first 6 months of coverage, losses incurred for Pre-Existing Conditions are not covered. A Pre-Existing Condition means any injury or sickness including pregnancy, diagnosed or undiagnosed, for which you have received medical care within the 6-month period prior to your coverage effective date or the date of an increase in coverage. During that time, benefits for all other accidents or illnesses will be paid under the policy provisions. You are urged to consider this limitation before dropping any coverage you may have until the waiting period is over. If your dependents are currently insured under the Active Duty Supplement with ROA and you join the ReserveCare Retired Plan within 63 days of your discharge from active duty, we will credit you with continuity of coverage from your dependents — prior effective date.

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 the "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
Your coverage provided under the inpatient benefits of the TRICARE supplement for nervous, mental and emotional disorders, including alcoholism and drug addiction, is limited to: 30 inpatient treatment days for covered person age 19 or older; or 45 inpatient treatment days for a covered person under age 19; per fiscal year. Outpatient benefits for such disorders are limited to $500 during any period of 12 consecutive months.

Eligibility
You and your spouse are eligible for coverage if you are a Member of the Reserve Officers Association. If you are over age 65, you must be ineligible for Medicare benefits. Your unmarried dependent children up to age 21 (23 if full-time students) are eligible for coverage.

Termination
The only way your ReserveCare Plan can be canceled is: if in the unlikely event the Master Policy is canceled for everybody, if you wish to end coverage, if you stop paying your premiums, if you are no longer covered by TRICARE, or if you are no longer a Member of ROA. Your dependent's coverage will remain in effect as long as your coverage is active, premiums are paid, and dependents meet the eligibility requirements.

Effective Date
Your ReserveCare protection begins on the first day of the month after your enrollment form and first premium are received, as long as you’re an ROA Member in good standing. If on that date you are Confined in a Hospital, your coverage will become effective on the first day after your discharge.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

Enrollment Form and Brochure (This plan is not available in AZ, ID, LA, ME, MD, MN, MT, OR, WA and WV)

TRICARE Claim Form

We're here to help! Please contact us in whatever manner is most convenient for you.

Program Administrator

Marsh U.S. Consumer
12421 Meredith Drive
Urbandale, IA 50398
Phone: 1-800-247-7988
E-mail: roa@marshpm.com
Hours: 7:30 am to 5:00 pm M-F (Central)
Web site: http://www.personal-plans.com/product/marsh/

Insurance Company

Hartford Life and Accident Insurance Company
Simsbury, CT 06089
Web site: http://www.personal-plans.com/product/thehartford/