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Military Families
MsixelA
member
another tricare question -- anyone really surprised?
MsixelA
member
So I'm on Prime now, due Jan 23rd, currently living in New Orleans. Thanksgiving week DH and I are moving up to New Jersey (where we're from originally) while he's on terminal leave (gets out Feb 26th). We live about an hour or 2 from 3 different bases so going to an MTF is out of the question. Can I take a one-time trip to one of these bases and get a referral to my civilian doctor where I'll be living (I already checked and he does take Prime and Standard)? Or since I have to switch regions anyway should I just switch to Standard?
Building on that, I keep hearing different things about Standard and pregnancy. Sometime I hear that it's just like Prime in the aspect that everything pregnancy related is 100% covered with no co-pays or deductibles, and sometimes I hear that there are co-pays, deductibles, and a percent of each appointment is my responsibility. I looked online and just got super frustrated. Sorry for the layer upon layer of questions, but if ANYONE has answers I'd really appreciate it. TIA.
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Re: another tricare question -- anyone really surprised?
I'm on standard and I'm only paying like $50 for L&D.
Technically, my OB's office could have charged me up to 15% of their fee because they are out of network, but they just write off the difference. Tricare sent me a check to pay the bill for the OB. Basically Tricare says it will pay $X for the service and legally the OB's office can charge 15% above that amount to me.
But call and ask if you can stay on Prime and see a civilian OB since the MTF is so far away.
My DH ETS'd last May. We moved home to PA in April while he was on Terminal leave. I switched to standard before we moved and was seeing an off post OB before we left WA. There, I paid a co-pay (which I ended up getting re-imbursed because they shouldn't have charged me, pregnancy is 100% covered on standard).
When we moved here I didn't like the in network OB and I chose to go to another OB. Even thought they were not in-network, I never paid a single cent during my pregnancy (and I had a high risk pregnancy with lots of extra ultrasounds and office visits). I did have to pay a co-pay for my incision check up and 6 week check up and when I got my IUD inserted.
It's so frustrating getting a 100 different answers from different people. But that was my experience, I hope it would be the same for you.
Is your DH going to be going into the reserves or guard after his service? That's what mine did and we then chose to keep Army insurance (Tricare reserve select). Now that he works somewhere else that offers benefits and we took those, we regret getting rid of it. I can't wait until he can get back into active duty (we are in the process of this).
does no one google this before asking on here
maternity care and all of that is FREE on standard and prime. and if you have standard you dont need referrals. the only thing you end up paying is like 16 a night when you are in the hospital. and if your husband is e4 or below you are not locked into standard for a year.
Thank you for most of your responses. It's kind of what I expected, to get a million different answers..haha. Krista613: I DID Google before I asked on here, and I got a million different answers that way, too, so I figured I'd ask people that have been through it and see what they say before I call TriCare, just so I have some sort of idea of what to expect.
Thank you for most of your responses. It's kind of what I expected, to get a million different answers..haha. Krista613: I DID Google before I asked on here, and I got a million different answers that way, too, so I figured I'd ask people that have been through it and see what they say before I call TriCare, just so I have some sort of idea of what to expect.