TRICARE Retiree Dental Program (TRDP)

Army Reserve: Retired

Benefit Fact Sheet



The TRICARE Retiree Dental Program (TRDP) offers comprehensive, cost-effective dental coverage for retired Service members and their eligible Family members, for unmarried surviving Spouses and Children, and for other select individuals. The TRDP is administered by the Federal Government Programs division of Delta Dental of California under contract with the U.S. Defense Today.

Beginning in January 2016, DFAS will provide IRS Form 1095-C to all U.S. military members, and IRS Form 1095-B to all Retirees, Annuitants, former Spouses and all other individuals having TRICARE coverage during all or any portion of tax year 2015. An IRS Form 1095 documents you (and your Family members, if applicable) have the minimum essential coverage. These forms will document the information that DFAS will provide to the IRS on yourself and your authorized Family members. The forms will be required to be reported with your 2015 federal tax return. DFAS will provide you with IRS Form 1095 series forms no later than Jan. 31, 2016.


Retired Soldiers and their Family members are eligible for TRDP but must meet one of the following requirements:

  • A Soldier (including the retired Reserve/retired National Guard) who is entitled to retired pay, including those age 65 or over.
  • A Soldier of the retired Reserve/retired National Guard who is entitled to retired pay, even if under age 60 (i.e., a "gray-area reservist, who is entitled to retired pay but does not actually begin receiving it until age 60).
  • A current Spouse of enrolled retired member as indicated above.
  • Children of enrolled Soldiers, up to age 21 (or to age 23 for a full-time student, or older if he or she becomes disabled before losing eligibility).
  • An un-remarried surviving Spouse or eligible Children of a deceased Soldier who died on eligible retired status or on active duty (eligibility begins following the end of eligibility under the Family member dental plan)
  • A  Medal of Honor (MOH) recipient and eligible immediate Family members, or an un-remarried surviving Spouse/eligible immediate Family members of a deceased MOH recipient.
  • A current Spouse and/or eligible Child of a non-enrolled member who is:
    • eligible to receive ongoing comprehensive dental care from the Department of Veterans Affairs;
    • enrolled in a dental plan through employment and the plan is not available to Family members; or
    • unable to obtain benefits through the TRDP due to a current and enduring medical or dental condition. Written documentation supporting any of these three situations must be submitted with your enrollment application.

Former Spouses and remarried surviving Spouses are not eligible at this time.

Benefit Highlights:

The TRDP offers:

  • Comprehensive coverage for the most commonly needed and sought-after dental services-including dental accidents and composite fillings on back teeth-immediately upon coverage effective date
  • The full scope of major benefits like crowns, bridges, dentures, dental implant services and orthodontics available after only 12 months.
  • Coverage for dental emergencies when traveling outside the Enhanced TRDP service area described below.
  • Optimum cost savings and program value by giving enrollees the option to choose from an expansive list of participating network dentists in over 100,000 locations nationwide who have agreed to provide treatment to TRDP enrollees at significantly reduced fees. (Enrollees may also choose any licensed dentist within the service area who is not in the TRDP network, but the dentist fees may be higher.)
  • A new, expanded list of dentists for enrollees living and traveling overseas.
  • Affordable monthly premiums, low deductibles, and generous maximum allowances-including a lifetime orthodontic maximum of $1,750 per person.

Covered Services
This chart provides an overview of coverage under the Enhanced TRICARE Retiree Dental Program for patients who visit a participating network dentist.

Benefits available during the first 12 months of enrollment:

*Delta Dental Pays:

Diagnostic & Preventive Services (cleanings & exams)


Basic Restorative (fillings, including tooth-colored fillings on back teeth)


Endodontics, Periodontics & Oral Surgery (root canals, gum treatment and extractions)


Emergency Services


Dental Accident Coverage


Additional services available after 12 months of continuous enrollment or if enrolled within four month after retirement:

Cast Crowns & Onlays


Bridges & Partial/Full Dentures


Dental Implants




Deductibles & Maximums

Annual Deductible
(per person, limit $150 per Family, per benefit year)


Annual Maximum (per person, per benefit year)


Orthodontic Maximum (per person, per lifetime)


Dental Accident Maximum (per person, per benefit year)


Benefit Year: 1 January - 31 December

*The percentage paid by Delta is based on the allowed amount for each procedure. While the coverage percentage is the same for all TRDP patients, total out-of-pocket costs may be higher if care is received from a non-network or overseas dentist.

Service Area
The TRDP offers covered services worldwide, with benefits based on whether you are enrolled in the Enhanced TRDP or the Enhanced-Overseas TRDP. The service area for enrollees in the Enhanced TRDP includes the 50 United States, the District of Columbia, Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa, the Commonwealth of the Northern Mariana Islands and Canada. When traveling outside this service area, enrollees in the Enhanced TRDP are eligible for emergency dental services only; however, dependents of Enhanced TRDP enrollees who are full-time students studying overseas are eligible for the full scope of services, with verification of their overseas student status.

Coverage under the Enhanced-Overseas TRDP, which matches the scope of coverage described in the chart below, is available to enrollees who reside outside the Enhanced TRDP service area noted above. Upon their enrollment in the Enhanced-Overseas Program, enrollees receive a supplemental guide with details on the provisions that apply specifically to their overseas coverage..

Enrollment Process
Sponsors and enrolled Family members must commit to remain enrolled in the enhanced TRDP for an initial period of 12 consecutive months. After completing the initial 12-month enrollment period, eligibility expands to the full scope of benefits offered and the TRDP will be continued automatically on a month-to-month basis.

Enrollment in the TRDP is voluntary. A payment equal to two premium payments is due upon enrollment to ensure that the retiree and Family can receive benefits on the coverage effective date. Coverage begins on the first day of the month following the month of acceptance of your enrollment application and receipt of the two-month premium payment.

There are two ways to enroll in the TRDP:


  1. Log in to the Beneficiary Web Enrollment website (BWE) with one of the following:

    • Defense Finance and Accounting Service myPay (DFAS myPay) account
      To create a DFAS myPay account, or if you need help logging in or have forgotten your password, visit the myPay website or call 1-888-332-7411.

    • Department of Defense Self-Service Login (DS Login)
      To obtain or reset a DS Login, visit the BWE website.

    • Common Access Card (CAC)
      To obtain a CAC or reset a CAC PIN, visit your local RAPIDS site or call 1-800-477-8227 to locate a site near you.

  2. Complete your TRDP enrollment on the BWE website and submit the required two months' premium pre-payment amount to enroll.

Note: The BWE system may not reflect your retirement effective date until 30 days prior to your retirement. If the BWE does not show that you are eligible to enroll in the TRDP (i.e., the icon is grayed out), visit your  local ID card office to make sure your retirement orders have been received and processed into the DEERS system. Any retiree that has questions about their eligibility should visit their local ID card office for support.

You can verify your enrollment status by registering and logging in to the Delta Dental TRDP Consumer Toolkit® 24 hours after enrolling through the BWE website.


Download the Enrollment Application


  1. Download and print the TRDP Enrollment Application .

  2. Use the online premium search and enter your residence ZIP code to determine your premium pre-payment amount.

    • Two months' premium prepayment is required to enroll.

    • Section C of the form explains your premium prepayment options.

    • If paying premium pre-payment by check or money order, please make it payable to the: TRICARE Retiree Dental Program.

  3. Complete the TRDP Enrollment Application.

    • Double check that the signature line is signed by the sponsor or un-remarried surviving Spouse or Child.

    • Be sure you provided your complete sponsor's social security or DoD Benefits Number (DBN).

    • If enrollment is for Family members only, include supporting documentation to indicate Family member enrollment.

  4. Return the signed and completed enrollment application and required two months' premium pre-payment to:

Delta Dental of California
Federal Government Programs
PO Box 537008
Sacramento, CA 95853-7008
United States of America

Please allow 10 business days from receipt to Delta Dental for processing. After that, you can verify your enrollment by registering and logging on to the Consumer Toolkit®.

Premium Rates
Federal law mandates that monthly premiums for the TRDP be deducted automatically from the retiree's pay. Premium rates for the Enhanced TRDP are based on the ZIP code in which the retiree or primary enrollee resides and the number of Family members being enrolled. Premiums for enrollees in the Enhanced-Overseas TRDP do not vary by region but are based on the enrollment option selected. Premium rates are subject to yearly adjustment on 1 October of each benefit year. To determine the exact premium rate for your region, use the online premium search or, call Delta at 1-888-838-8737.

Additional Information:

For more information, please visit:

TRICARE Retiree Dental Program webpage maintained by TRICARE:

TRICARE Dental Program for Active Duty Service Members:

TRICARE DEERS Information:

TRICARE Retiree Dental Program webpage maintained by Delta Dental:

TRICARE Retiree Dental Program Fact Sheet:

Document Review Date: 13 March 2015