"Loading..."
Home » Dental » Guide to TRICARE Dental Program

What is TRICARE Dental Program?

TRICARE Dental Program (TDP) is a voluntary dental insurance program that is administered by the United Concordia.

It is available to active duty family members, eligible national guard and national reserve, and their family members. Family members include the spouse of the active duty member and their child/children.

Family Eligibility

TRICARE Dental Program uses the Defense Enrollment Eligibility Reporting System (DEERS) to make sure you qualify. It is especially important to make sure all information is correct and up to date for each family member as an error can cause delays to your dental insurance.

Both sponsors and family members over the age of 18 can update contact information on DEERS.

Sponsors are the only ones who can add family members.

Sponsors can add family members if they can supply the required documents such as a marriage or birth certificate.

The Costs

Two different costs come with the TRICARE Dental Program. They consist of monthly premiums and cost shares.

The monthly premiums are costs that are based on the sponsor’s military status and the number of people that are under the plan. Thus, rates will be different if there is only one person under the plan vs if there is a family under the plan.

Cost shares are based on the services that the sponsor has performed, their paygrade, and the location where they receive treatment.

The location where the sponsor or sponsor’s family receives treatment is factored in terms of CONUS (Continental U.S.) and OCONUS (Outside the Continental U.S.).

CONUS and OCONUS Service Area

CONUS service area includes the U.S., Guam, Puerto Rico, and the U.S. Virgin Islands. You can visit any licensed dentist but visiting a TDP network dentist will help you save time and avoid any unwanted extra fees.

TDP network dentists have everything already set up and ready for you.

In other words, they will follow the TRICARE Dental Program rules and costs for care, they will file your claims for you, and there won’t be any hidden fees.

In the OCONUS areas, you can receive treatment from any licensed dental or orthodontic care, but it may be easier to see a TRICARE OCONUS Preferred Dentist (TOPD).

Like the CONUS service area, TRICARE OCONUS Preferred Dentists (TOPD) will also file claims for you and will only charge you the cost-share rate.

?0%Type caption (optional)TRICARE Dental Program Cost-Shares rates

The monthly premium is a type of pay ahead program in which the sponsor will pay the premium for one month to receive coverage for the following month.

Do not miss any monthly payments. Missing any payments will cause your coverage to be terminated. You will not be able to re-enroll for another 12 months.

?0%Type caption (optional)2020-2021 TRICARE Dental Program Monthly Premiums

Maximum Coverage

TRICARE Dental Program provides a limit to the benefits one can receive in different categories.

  • TRICARE Dental Program’s yearly maximum benefits per enrollee are $1,500 for any non-orthodontic services.
  • Enrollees are eligible for a lifetime maximum of $1,750 for any orthodontic services.
  • There is a $1,200 maximum per enrollee per year for any non-orthodontic dental treatment in the case of an accident.

Enrollment

TRICARE Dental Program has an annual cycle that starts from May 1st to April 30th.

Make sure you supply DEERS with all of the up to date and correct information before you enroll with the TRICARE Dental Program. Your enrollment might be rejected if you are missing information or incorrectly filled something out,.

In that case, you will have to reapply with the correct information. This may cause a delay in your TRICARE Dental Program coverage start date.

It’s easy to apply. With the necessary documents, you can apply online, by phone, or by mail!

Sources