Tricare Question Need a good supplement
Posted 10 November 2009 - 07:46 PM
prescription coverage. I carry our insurance through my job, but I would like to compare Trcare and a
supplement with my Blue Cross.
Does anyone have Tricare and if so, what supplement do you have. I am really looking for something
that will cover everything Tricare doesn't.
Posted 10 November 2009 - 08:09 PM
Posted 10 November 2009 - 08:30 PM
Posted 10 November 2009 - 08:37 PM
Posted 10 November 2009 - 08:48 PM
Posted 10 November 2009 - 08:59 PM
Posted 11 November 2009 - 01:20 AM
As a retiree/dependent of a retiree, you have to pay a small monthly fee for TRICARE Prime, but you wouldn't need a supplement with that.
If you are in a "remote" location where there are not a lot of TRICARE doctors, you would need TRICARE Standard or TRICARE Extra.
For active duty and families, there are no co-pays for doctor visits.
For retirees and their families, there is currently a $12 copay per visit.
For anything but your primary care doctor (if you're Prime, the doctors you see must accept TRICARE) you'll need a referral through the TRICARE system. They have improved the referral process tremendously, at least in the Western Region. The 3 regions all have a different company managing it. Carla can advise you how the one for the NE is. I get an email when my referral has been approved.
The pharmacy has 3 tiers - one for generics, one for brand names, and one for non-formulary, which is what Sara is referring to. If you use the mail order pharmacy you get three months for the same price as one month at a local pharmacy.
Once your husband reaches 65, he'll go on TRICARE for Life. It is a Medicare supplement. Currently there is no fee for TFL.
You'll also go on TFL when you reach 65. I believe that if he reaches 65 before you do, you would still pay the monthly fee for your coverage.
If you need contacts or websites for information, PM me.
Congratulations to your DH for reaching his Reserve Retirement! He is now eligible for everything active duty retirees are. If he didn't go to a Retiree Services Office, and there is one not too far away, I highly recommend it. (I have a list of RSOs if you need a phone number) I attended a seminar for active duty folks separating or retiring, and they welcomed Reserve Retirees approaching age 60.
This time is the true payback for all those long weekends and training times in uniform. Please thank him for his Service for us.
(My DH retired out of the USAR and I retired from the AGR program).
Posted 11 November 2009 - 05:09 PM
I do insurance billing for a hospital and this should all be cut and dried for me. I've been asking the Tricare billers
about what they are seeing as far as cost shares and it really doesn't seem too bad.
I do love the prescription plan! We haven't had one since he left the service.