TRICARE Standard is ONLY ALL INCLUSIVE ONCE YOU GET PREGNANT, not during conception.
You WILL have to pay 15%-20% of each provider visit until you are officially (ie the OB states that you are pregnant - so that visit is not paid for as well) pregnant.
And you will have to meet your fiscal year annual deductible before the % kicks in.
And while you DO get a Catastrophic Cap of $1000 per fiscal year, you need to be 100% sure that you are capable of pulling that $1,000 out of your pocket incase you have an emergency.
Mind you, if you get pregnant at the end of the fiscal year, say in June and you fork over your Deductible and your out-of-pocket %s, you will start ALL over again October 1st.
I am NOT trying to talk you out of swithing from Prime to Standard, I just want people to realize that for ease of service (ie not using an HMO), there are costs.
We had to do IF treatments (IVF) and opted for standard (although the majority of IVF expenses was not covered, some were).
mlssharrison:Thank you all for your advise. Just so i'm clear... if i do decide to stay on prime can i find an ob that will be able to stay consistently with me until I deliver and also Will I have to pick a different Dr to deliver?
If you stay with Prime you can only pick a civilian doctor if they let you. I was assigned to a MTF and not allowed to change to go in town. I switched to Standard before I got pregnant because I did not want to go to the Navy drs/hospital. I love Standard and will never go back to Prime.
Married 11/27/09 and TTC right away Dx: Complete septate uterus with cervical duplication, endometrial polyps, PCOS, endometriosis, hypo thyroid, luteal phase defect4 uterus surgeries to correct my complete septum and to remove polyps and 2 years of seeing the RE, medicated cycles and IUIsBaby 1 and 2: BFP 3/3/11 with 2 babies EDD 11/1/11, M/C 4/6/11Baby #3: 8/11 pregnant EDD 4/27/11 and m/c:(Baby #4: 10/12/11 BFP! EDD 6/16/12m/c 10/26/11Baby #5: 3/13/12 BFP! EDD 11/25/12 ANOTHER m/c
Baby #6: 2/14/13- BFP! EDD 10/24/13, CP 2/19/13 Baby #7: 3/15/13- BFP! EDD 11/27/13, another CP Baby #8. BFP 5/19/13 EDD 1/22/14. 8 was not our lucky number4th septum resection on 5/31/13.Baby #9: 6/29/13 BFP. C section scheduled for March 5th!
My miracle baby was born March 5 at 9:33am. He was 8 lbs 12.5 oz and 21.25 inches long!