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Thread: Military Tricare

  1. #13

    Default Re: imported post

    Thank you all so much for all your responses about bmcar's questions regarding Tricare. Person to person resource about Tricare is very limited. They kept on referring us to military website and sometimes it's pretty hard to digest and sometimes do not apply to us.
    PO and Ravensfan, the links you gave were very informative. I think we now have some understanding about it. I guess, the key is finding a primary care who is in the FEHB and Tricare network (which I am finding is few and farther away from us.) We have to decide if we would like to travel 18 miles or 5 miles(currently) to see a primary doctor. I guess we are so spoiled with BCBS network.
    And when we turn 65, another hurdle of finding TC, BCBS and Medicare provider.
    Thank you so much again,
    Maricar19 and bmcar.
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

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  3. #14

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    Default Re: imported post

    Mods. Could you please move this thread someplace other than day to day market talk? I looked around and am at a loss about where to move it. Since it started out with someone asking about tricare and retirement, maybe under retirement talk? Health care questions?

    It is hard to find under day to day market talk and there are a few of us members this applies to.

    Thanks

    PO

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  5. #15

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    Default Re: imported post

    Done.
    May the force be with us.

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  7. #16

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    Default Military Tricare

    Posting difficulties a yet again.

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  9. #17

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    Default Re: imported post

    Quote Originally Posted by James48843 View Post
    It sounds like you are somebody I need to sit down and talk with!

    Me: Retired ARNG, now age 58+, waiting to age 60 to start collecting guard retirement.

    My wife is 54, also retired ARNG. Also waiting to age 60 to collect guard retirement.

    I'm now eligibile for FERS retirement, but I need to work another year or two to try and pay down all bills before I pull the plug from federal retirement.

    Looking at choices ahead, I have to figure out what I will need to have for health coverage. I really want to live a few years in Europe and/or Central/South America as an expat for a bit to travel.

    I don't know how tri-care works, and.or how to blend FEHB polcies, tri-care, medicare (inside the us only, of course) etc. and cover what I need to cover.

    I am concerned I may end up having to buy :
    1. FEHB
    2. Tri-care select for my wife after I get to age 60.
    3. Medicare when I turn 65
    4. Some other foreign nation coverage from another provider if I happen to live in Spain, France, Portugal, Greece, Italy.

    I good cup of coffee and a sit down discussion would be great to understand all the things ahead.
    (That's if I survive that long. That's always the FIRST goal- is to make it that far! LOL! )

    Care to share how tri-care kicks in at age 60/ and 65, etc?
    I was active duty when I retired so was in TriCare all along and can’t help much with the enrollment at 60. This link will help: https://tricare.mil/Plans/Eligibility/NGRRandFamilies. Looks like you will be eligible for either TriCare Prime or TriCare Select. There are reservists/guard here that can give you their input. Either way, you get to pay. Free medical care for life is a myth.

    I chose TriCare Prime because there is a military care facility close by and no copays. It was OK because I was used to it. My wife did not like it at all but was only a dependent for three years and never got used to it.

    Once you are enrolled in the TriCare system, when you turn 65 you will automatically be converted to TriCare for Life (TFL) IF you enroll in Medicare part B. Otherwise TriCare dumps you. It was pretty seamless once I signed up for Medicare part B. TFL is free but Medicare part B is about five times more costly than TriCare Prime was.

    I have not used any medical insurance since I retired from Fed service so can’t say how Medicare being primary insurance works out.

    Most FEHB plans don’t work outside the US. Medicare doesn’t work outside the US. TriCare will according to the link above.

    Also make sure your Defense Enrollment Eligibility Reporting System (DEERS) info is up to date. https://milconnect.dmdc.osd.mil/milconnect/.

    I am concerned I may end up having to buy :
    1. FEHB
    2. Tri-care select for my wife after I get to age 60.
    3. Medicare when I turn 65
    4. Some other foreign nation coverage from another provider if I happen to live in Spain, France, Portugal, Greece, Italy.



    1. Maybe not. Buy it in to Fed retirement and then suspend it, don’t cancel it and see how the TriCare system works for you
    2. Probably, Select or Prime. Would be prudent to do it, suspend FEHB and see how it works out.
    3. Yes for part A, it’s free if you are eligible, and yes for part B if you want to remain in the TriCare system
    4. Maybe not, read the TriCare link above.


    I understand the working longer than planned thing. I did it for two years. You’ll live. It will be over before you know it.

    There is a thread about TriCare on here. https://www.tsptalk.com/mb/day-to-da...y-tricare.html. I asked the mods if they could move it so people could find it. Read it.

    PO

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  11. #18

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    Default Re: imported post

    Quote Originally Posted by PessOptimist View Post
    I was active duty when I retired so was in TriCare all along and can’t help much with the enrollment at 60. This link will help: https://tricare.mil/Plans/Eligibility/NGRRandFamilies. Looks like you will be eligible for either TriCare Prime or TriCare Select. There are reservists/guard here that can give you their input. Either way, you get to pay. Free medical care for life is a myth.

    I chose TriCare Prime because there is a military care facility close by and no copays. It was OK because I was used to it. My wife did not like it at all but was only a dependent for three years and never got used to it.

    Once you are enrolled in the TriCare system, when you turn 65 you will automatically be converted to TriCare for Life (TFL) IF you enroll in Medicare part B. Otherwise TriCare dumps you. It was pretty seamless once I signed up for Medicare part B. TFL is free but Medicare part B is about five times more costly than TriCare Prime was.

    I have not used any medical insurance since I retired from Fed service so can’t say how Medicare being primary insurance works out.

    Most FEHB plans don’t work outside the US. Medicare doesn’t work outside the US. TriCare will according to the link above.

    Also make sure your Defense Enrollment Eligibility Reporting System (DEERS) info is up to date. https://milconnect.dmdc.osd.mil/milconnect/.

    I am concerned I may end up having to buy :
    1. FEHB
    2. Tri-care select for my wife after I get to age 60.
    3. Medicare when I turn 65
    4. Some other foreign nation coverage from another provider if I happen to live in Spain, France, Portugal, Greece, Italy.



    1. Maybe not. Buy it in to Fed retirement and then suspend it, don’t cancel it and see how the TriCare system works for you
    2. Probably, Select or Prime. Would be prudent to do it, suspend FEHB and see how it works out.
    3. Yes for part A, it’s free if you are eligible, and yes for part B if you want to remain in the TriCare system
    4. Maybe not, read the TriCare link above.


    I understand the working longer than planned thing. I did it for two years. You’ll live. It will be over before you know it.

    There is a thread about TriCare on here. https://www.tsptalk.com/mb/day-to-da...y-tricare.html. I asked the mods if they could move it so people could find it. Read it.

    PO
    PO - I've read your comments and am not qualified to give you any advice re your health care coverage going forward. Seems you've researched it pretty well. Good luck... As for any other stuff you want to ask me, one way to do that is to simply Google my name, tony kendzior, and the first listing will be my personal/professional web site where you will find an About Me tab with contact information. Or reply to this and we'll go from there... Tony


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  13. #19

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    Default Re: imported post

    Quote Originally Posted by rakendzior View Post
    PO - I've read your comments and am not qualified to give you any advice re your health care coverage going forward. Seems you've researched it pretty well. Good luck... As for any other stuff you want to ask me, one way to do that is to simply Google my name, tony kendzior, and the first listing will be my personal/professional web site where you will find an About Me tab with contact information. Or reply to this and we'll go from there... Tony
    I understand and that is why I made the reply to James48843 in this thread about Military Tricare instead of in one of the threads under Retirement Talk with Tony. The TriCare curve ball does not apply to all of us feds but if it does it make the decision about Medicare Part B simple if you want to keep TriCare.

    PO

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  15. #20

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    Default Re: imported post

    Quote Originally Posted by PessOptimist View Post
    FEHB because the wife wants to. The wife is covered under FEHB and Tricare Prime.
    I may be overinsured. Wife is always right.

    PO

    Very wise man.

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