Coverage Effective Date
Your TRICARE Retiree Dental Plan (TRDP) coverage begins the first day of the month following the processing of your completed enrollment application. You can verify your enrollment by registering and logging on to the Consumer Toolkit®. If you are enrolling in the first month of your retirement and need us to backdate your coverage effective date to avoid a lapse in coverage from the TRICARE Dental Program (TDP) to the TRDP, please send us an Online Inquiry.
12-Month Major Services Waiting Period
There is a 12-month waiting period for major dental services – see the TRDP benefits chart . You must satisfy the 12-month major services waiting period even if you were previously covered under another Delta Dental plan. However, you and your enrolled family members will receive many benefits as shown in the benefits chart immediately upon your coverage effective date.
Waiver of Waiting Period
You are eligible for the 12-month waiting period waiver if:
- You enroll within four months after your retirement from active duty or transfer to Retired Reserve status (even if you are under age 60 and entitled to retirement pay but are not yet receiving it.).
- You are a surviving spouse who enrolls within four months after losing TDP eligibility.
- You are a newly enrolled family member of a sponsor who has already satisfied his/her 12-month waiting period. (Note: You will need to remain enrolled for 12-months and cannot disenroll. The sponsor must meet a new 12-month enrollment commitment as well.)
- You are upgrading your enrollment from the Basic to the Enhanced TRDP.
Eligibility for the waiver will be verified through the Defense Enrollment Eligibility Reporting System (DEERS).
The waiver does not happen automatically when you enroll. Please submit an Online Inquiry to let us know you have enrolled within the four-month timeframe, and we will update your account accordingly. Eligibility for this waiver does not apply to National Guard/Reserve or active duty members who have been retired longer than four months.
Dual Coverage – Using Two Dental Plans
If you have other dental insurance through a spouse or employer, you can coordinate other dental coverage with the TRDP, even if both are Delta Dental programs. Depending upon the type of dental services provided, having dual coverage can often mean that you will incur little or no out-of-pocket expenses. Refer to your TRDP Benefits Booklet for complete information on coordinating your benefits.
Upgrading from Basic to Enhanced TRDP
For those existing enrollees who want to upgrade from Basic to Enhanced TRDP, you will begin a new 12-month enrollment commitment and cannot disenroll. However, as soon as your Enhanced TRDP becomes effective, you will receive all of the available benefits, major services, and increased maximums right away.
Disenrolling from the TRDP
- There is a 30-day grace period during which you may disenroll from the TRDP if you have not used any benefits.
- Enrollment continues month-to-month after the initial 12-month commitment is satisfied. A 30-day notice is required if you wish to disenroll.
You may disenroll by completing an Online Inquiry or submitting your disenrollment request in writing to the address below during the grace period, or via the Beneficiary Web Enrollment (BWE) website after meeting your 12-month commitment.
Delta Dental of California
Federal Government Programs
PO Box 537006
Sacramento, CA 95853