Applying for TRICARE Dental & Insurance Benefits for National Guards and Family Members

Applying for TRICARE Dental & Insurance Benefits for National Guards and Family Members

The US Department of Veterans Affairs (VA) offers TRICARE dental & insurance benefits under the TRICARE Dental Program (TDP). The program is administered by United Concordia and is available to active duty family members, reservists, national guards, and family members. This program is available worldwide. 



To qualify for TDP, your sponsor must have at least 12 months of remaining enrollment. Moreover, spouses and children who are under the age of 21 are eligible for this benefit. The program provides TRICARE dental and insurance benefits for up to one year. 



To reap TRICARE dental and insurance benefits, you must pay the costs associated with TDP. The two major costs are monthly premiums and cost shares. The monthly premiums vary from veteran to veteran and hugely depend upon the factors like the service type of your sponsor and the number of people covered under the plan. Cost shares, on the other hand, are based on your sponsor’s pay and location. 

Here’s an overview of monthly premiums and cost shares. 



A premium is a “pay ahead” program, meaning coverage programs that require you to pay the cost in advance. If you fail to pay the monthly premium, you won’t be able to redeem your TRICARE dental and insurance benefits for a year. 

The cost of the premium for an active duty member can range from $11.65-$30.28. In the case of a selected reserve, your premium could range from $11.65-$87.36. As stated above, it can differ according to the number of applicants covered under a program and service type. 


Cost Share

Cost shares are your out-of-pocket expenses for certain services. It depends on factors like your sponsor’s pay and location. Make sure to check your cost shares before using your TRICARE dental and insurance benefits. 



In general, the TDP has renewed annually. TDP’s contract year is usually from May 1 to April 30. The maximum payment for non-orthodontic service is for one person is $1500/year. However, this maximum payment plan does not include certain services like diagnosing certain conditions and preventive services. The maximum lifetime payment of these TRICARE dental and insurance benefits for one person is $1,750 for orthodontic services. In the case of accidental care, the annual maximum payment for one person is $1200. 



To read the TRICARE Dental and insurance benefits available under TDP, you can apply online by visiting the official site and enrolling through the TRICARE enrollment page.

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