Your TRICARE
benefits are more complex
than your MOS.
Active-duty families, transitioning veterans, and Guard members navigate different rules, deadlines, and penalty windows. We translate the DD-214 language into a coverage strategy you can actually execute.
Service members eligible for TRICARE
across all branches and components
Don't understand which plan they're on
per DoD Benefits Awareness Survey 2025
Maximum TAMP coverage after separation
then you are on your own
Your coverage window may be shorter than you think.
Active Duty // Plan Selection
Prime vs. Select: the decision that follows you through every PCS.
The wrong choice costs you referral delays, out-of-pocket bills, or a 90-day re-enrollment scramble after your next move.
HMO-style
PPO-style
Monthly Premium (E-1 to E-4)
⚑ Retirees pay differently
Primary Care Referrals Required
Network Flexibility
Cost Share (In-Network)
PCS Move Enrollment Window
⚑ Critical for frequent movers
Overseas Coverage
Dental / Vision
⚑ Gap coverage often needed
Rates and rules change annually. Download your Coverage Roadmap for the current FY2026 enrollment windows specific to your rank and component.
Scenario Briefs // By Status
The coverage challenge shifts with every status change.
Each life stage has a different threat vector. Here's what we see most.
The 90-day gap nobody briefs you on
Situation: You've got orders. New duty station in 60 days. Your Prime enrollment is at Fort Bragg.
Challenge: If you don't re-enroll at your gaining installation within 90 days, you default to TRICARE Select — with cost shares you weren't expecting.
Our Move: We map the enrollment windows for your specific installation, rank, and dependents before your final out-processing date.
TAMP ends. VA care isn't automatic.
Situation: Day 91 after separation. TAMP is over. VA healthcare enrollment can take 60–90 days to process.
Challenge: The gap between TAMP expiration and VA care approval is the most expensive window most veterans never plan for.
Our Move: We build a bridge strategy: TRICARE Retired Select eligibility check, VA Priority Group determination, and supplemental gap coverage.
Every drill weekend, the math changes
Situation: You have employer-sponsored coverage. You also have TRICARE Reserve Select. One of them is costing you more than it should.
Challenge: TRS premiums are $52.94/month for an individual. But if your employer covers 70%+ of premiums, TRS may not be the right anchor plan.
Our Move: We run the actual cost comparison for your household, factoring in deductibles, network access, and activation scenarios.
Coverage Continuity // By Status
Coverage continuity score based on network access, cost predictability, and enrollment window risk.