Early Access
115 Members and 9649 Guests Online

Viewpoints

Question for those using Tricare?

Started 1286492086.94 in Viewpoints | Last reply 1286825900.79 by Lynneuk

My husband is an Air Force retiree but has been using the healthcare that comes with his civilian job for the past 14 years. We thought you had to use this first if it was offered. Now the cost of this plan is getting ridiculous and we have been looking into using the tricare plan.

Does anyone use it? We are 52, 47 and have a 20 year old son.

Do you have any problems? Tricare prime doesn't seem to be available in our area so it would be standard tricare.

We are nowhere near any military facilities so cannot go there.

Any info,thoughts or insights would be much appreciated.

Thanks,

Lynne

Page 1 of 2
Cardamom1286492750.8336773 PostsRegistered 6/24/2006

Your dh has earned the rights for his lifetime of almost free healthcare. I have the prime so I am not sure about the regular plan. If I get care or meds on base it is free. I think I have a $5 co pay off base. When I used to live in an area without a full military facility I recall it was hard to find doctors and dentists that took Tricare. Tricare can provide a list though. The closest doc that took my insurance was about 45 min. away. Hopefully you will be luckier. I am very happy and grateful to have this care. I have had 2 operations in military hospitals and my care and doctors were the best!

Last edited on 10/7/2010

Last edited on 10/7/2010

PuppyBreath1286492941.75718676 PostsRegistered 1/10/2007Mn. Twins Fan

My dad's GF loves her tri-care. She's no where near a base either. Seems to be no problem. He says she doesn't pay for anything. She's had several surgeries, and medical conditions that require lots of care.

Puppy

Please support Pancreatic Cancer Research.

My favorite breed is Rescued.

nekodaisy1286494229.983760 PostsRegistered 11/13/2007Georgia

I have tri care and I hate it. For 2 years my primary dr was a ped. so I would make an appt and the girls would laugh when they saw who was my dr. It really did not matter because I now have a reg. dr and I still never see her because she is never there. I go in once a year to get my meds renewed and pray nothing more serious happens.

Now my daughter in law has it at anothe post and she can go off post and chose her own dr. I am envious of that. Wish we could here.


sparklingr­ivers1286494476.14311155 PostsRegistered 1/15/2009

DH and I live near military facilities, so Tricare for us is a huge plus.

soxfan1286495582.8273889 PostsRegistered 2/10/2005Just north of Boston and central Florida

Most areas of the country offer Tricare Prime. It is the DOD version of an HMO. We've used it since my husband retired from the AF eleven years ago. We're very happy with the coverage. We're not living near a military facility so we have civilian providers. The pros are low copays for office visits, ER visits, inpatient stays and prescriptions. The annual cost is extemely low compared to what my husband's or my companies health plan. He does not have to use his employer's plan. The only con is some areas of the country do not have a lot of providers to choose from and you must use only those providers on the Tricare panel. If you don't mind telling me which state or area of the country you live in I would be happy to tell you what Tricare Region you are in and how to contact the contractor for your area. Then you can go online and research the availability of providers. Good luck!

Last edited on 10/7/2010

Last edited on 10/7/2010

*************************
It's always something...
*************************

Hooty1286496156.9918697 PostsRegistered 9/4/2006~War Eagle Country~

Yes, I have been using Tricare since my DH's retirement from the Air Force, 15 years ago! We retired back to a military town where there is a very large base, so I haven't had any problem finding Dr.'s that do not take Tricare! I use a local pharmacy, that takes Tricare for prescriptions and only pay a co-pay! I have Tricare Standard, I have been very pleased!

Lynneuk1286496162.7838210 PostsRegistered 11/3/2006

Thank you all for your replies.

Soxfan, you sound like you have a similar situation to us.

We are in Rochester, NY. Tricare North, I believe.

Don't know why tricare prime isn't offered here as there are no bases anywhere near.

We are clueless as you can tell!

So much easier when we were in the Air Force!

Lynne

angel274171286496214.9831976 PostsRegistered 8/15/2005central florida

I have Tricare prime, I just started it because I figured as Im geting older it would be a better option in case I had a hospital or surgery stay. I use to have the standard and went to a civilian Dr.. It is a family practice and they do everything or they give refereals. I think the best thing to do is get a book of providers and to check them out. Good Luck Yes I do like prime and my hunch was right last year I went to the hospital for three weeks and the bill over three hundred thousand my cost share about 300.00

"Keep smiling it makes people wonder what youve been up to"

gojo1286496296.0433308 PostsRegistered 4/25/2006

Did tricare replace champva? I have my own health insurance but my husband is 100% disabled veteran and I think I'm eligible.

Hooty1286496388.1318697 PostsRegistered 9/4/2006~War Eagle Country~
On 10/7/2010 gojo said:

Did tricare replace champva? I have my own health insurance but my husband is 100% disabled veteran and I think I'm eligible.

Yes Tricare replaced Champus!

You can also purchase a Tricare Supplement!

Last edited on 10/7/2010

Last edited on 10/7/2010

JBelle1286496501.46340 PostsRegistered 4/14/2010

I believe you can get Tricare Prime Remote if you are in an area w/o a military facility. All the doctors/hospitals in my area take Tricare, and we live in the middle of nowhere!

I loved Tricare when we were in the service, miss it A LOT now.

soxfan1286497414.3173889 PostsRegistered 2/10/2005Just north of Boston and central Florida

Hi Lynne,

In your area you have two choices for Tricare contractors. Healthnet Federal Services or Martin's Point through St. Vincent Medical Center. Take a look at their websites and you can search for providers by your zip code. I would think there would be a lot of participating providers in your area. Let me know if I can help. We origionally had Healthnet but changed to Martin's Point a couple of years ago due to a better selection of specialists. We are very far removed from the nearest military treatment facility and we have no problems getting the care that we need.

We don't use Tricare for dental. We found it more cost effective and more freedom of choice in terms of dentists to use each of our employer's dental plans.

Last edited on 10/7/2010

Last edited on 10/7/2010

*************************
It's always something...
*************************

PpprMintPa­tty1286497663.71718732 PostsRegistered 8/7/2007Outside our Nation's Capitol

We're not retired but switched from Prime to Standard. I can go to any specialist I want without having to get a referral. I only see civilian doctors.

I pay more and my co-pay is a little higher but when DS was sick in college, it was worth the switch.

My parents used their insurance from my mom's employer (worked in a hospital) and used the Tricare as a supplemental.

~Formerly known as Danny~

gojo1286498553.6473308 PostsRegistered 4/25/2006
On 10/7/2010 Hooty said:
On 10/7/2010 gojo said:

Did tricare replace champva? I have my own health insurance but my husband is 100% disabled veteran and I think I'm eligible.

Yes Tricare replaced Champus!

You can also purchase a Tricare Supplement!

Last edited on 10/7/2010

Thanks Hooty - I've been meaning to apply for years now and just haven't.

HBJ1286499123.9975 PostsRegistered 10/7/2010

You could check on line @ www.tricare.mil

SandyMG1286499411.21210 PostsRegistered 11/30/2008

I Have Tricare Standard, there is a $150 deductible each year and after that it is 80/20 - Tricare pays 80% you pay 20%. My husband is active duty.

RedHeadedW­ench1286499486.059135 PostsRegistered 10/1/2006
On 10/7/2010 gojo said:
On 10/7/2010 Hooty said:
On 10/7/2010 gojo said:

Did tricare replace champva? I have my own health insurance but my husband is 100% disabled veteran and I think I'm eligible.

Yes Tricare replaced Champus!

You can also purchase a Tricare Supplement!

Last edited on 10/7/2010

Thanks Hooty - I've been meaning to apply for years now and just haven't.

Champus and ChampVA are two different things altogether.

Tricare is Champus...ChampVA is only for those that are NOT eligible for Tricare and you have to be a disabled veteran.

To be eligible for CHAMPVA, the beneficiary cannot be eligible for TRICARE. CHAMPVA provides coverage to the spouse or widow(er) and to the children of a veteran who:

  • is rated permanently and totally disabled due to a service-connected disability, or

  • was rated permanently and totally disabled due to a service-connected condition at the time of death, or

  • died of a service-connected disability, or

  • died on active duty and the dependents are not otherwise eligible for DoD TRICARE benefits.

Be kind to dragons, for thou art crunchy and good with ketchup.
-------

catwhisper­er1286500125.0173246 PostsRegistered 12/4/2009So.CA

Oh boy, don't even get me started with Tricare. I can't tell you how much I hate them. Dealing with them has been a total nightmare.

SandyMG1286500546.6531210 PostsRegistered 11/30/2008

I found dealing with TriCare Prime is a nightmare, just another HMO. With TriCare Standard you can go to any doctor you want, that is why I have it. I do not like military clinics or medical facilities, that is why I choose TriCare Standard. I want to have a choice in which doctor I see.

gojo1286501118.783308 PostsRegistered 4/25/2006

Hey RedHead - thanks for the explanation - I've been away from it for a while and forgot the exact terms. Going to apply for my tricare - just to have as maybe a secondary or maybe in my area there will be some good places to get care. Even though my husband is 100% SC - totally and permanently disabled - he still has his own health insurance too.

harcon1286502396.9211542 PostsRegistered 7/31/2007

I've had Champus/Tricare since 1977. It was our secondary insurance since my now deceased husband and I had coverage through our workplaces. Never had a problem.

Now that I'm on Medicare I'm so thankful for Tricare. I can see a doctor without needing those referrals and scripts cost $3 local. I also use Express Scripts for the 90 day supplies.

Granted I pay for Medicare each month but so far I haven't paid a cent for any Dr. bills and I've been seeing two specialist with hefty costs.

When I've had questions I just call Tricare and they have always been very helpful with explanations.

MJ 121286504056.6512729 PostsRegistered 12/30/2009

I have tri care and I hate it.

Ditto. We have Prime, and hate it, so we've purchased separate, private insurance for 7+ years now. I remember waiting 2 months to get an MRI appointment for DH when he was injured jumping off a humvee in AFG. 2 months? No thanks! Our friends are stationed in Italy, Aviano, and the wife needed allergy shots - Tricare wanted to fly her to Landstuhl. Another country? A flight for allergy shots? DH has Lymes, he contracted it during a field exercise in NJ years ago. During a flare up, Tricare wanted him to drive 4 hours to Walter Reed to see a doctor. The ONLY good thing, IMO, is the no-copay rxs if you go on post, and the $3 co-pay on the economy.

~ A fool will tell you what he will do; a boaster what he has done; the wise man does it and says nothing ~

GoodStuff1286504268.87714829 PostsRegistered 11/11/2008
Pink Rose1286504407.503299 PostsRegistered 8/21/2006

A lot of my friends have given up there civilian insurance coverage. They use Medicare and Tricare. I have see our local military hospital almost be downsized (can't think of the correct term). Only for active duty. So I am uncomfortable giving up our civilian insurance. We are covered my Medicare and pvt insurance. Yes, it's expensive, BUT I have a lot of medical problems. Want to be sure I'm covered.

HighCotton1286505471.32238 PostsRegistered 9/23/2006

We have tricare prime and we love it. If we need a specialist and there is no Dr within 40 miles of us, they let us choose whoever we want even if they are out of network. This works to my advantage because we live in a smallish town and are about 70 miles from a big city with all of the DRs I could dream of. I have never had to wait to get any procedure or tests or anything.

I have also had two major surgeries since my DH retired 6 years ago. They paid 100 % except for a $25 fee for my night in the hospital. Those stays were easily $15,000 each. My daughter was born at only 24 weeks (1lb 3 oz) and stayed in the NICU for 4 months till her due date and the bill was in the hundreds of thousands, never did get a final total and we paid nothing. You cannot beat that. (DD is a perfectly healthy happy ACTIVE 3 year old now). We pay $450 a year for our coverage. The way I see it, my husband gave 22 years of his life to the military, and he deserves to be taken care of now. We appreciate it too and do not take it for granted.

I feel bad for those who have had trouble. I guess it might just depend on which region you live in. I am in the South Region.

Last edited on 10/7/2010

Last edited on 10/7/2010



~SARCHASM...the gulf between the author of sarcastic wit and the person who doesn't get it.

Page 1 of 2