Military Families
Military Insurance
My hubby is in the AF, and just added me to his insurance. I have some questions about the insurance. and I'm 13 weeks and 3 days pregnant and I really dont want to have my doctors appointment on base or delivery my baby on base, since we live about 30 mins away from it. Can I have my doctors appoinment at a regular doctors office or do I have to go on base?
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Re: Military Insurance
its worth requesting!
I'll tell ya though.. we are AF and our closest AF hospital is an hour away and our Army hospital is 30/40 minutes away and I go to the AF hospital for my first OB appt on the 12th and have had some u/s's done at the AF hospital and some at the army hospital. I have tricare prime and plan on asking for a OB here in my town after my inital appt.
DH became a double above knee amputee with traumatic brain injury (TBI) - July 2009
TTC - August 2009 DX: Severe MFI & TF due to TBI
DH SA 0 count, started clomid therapy - November 2010
DH SA 0 count, increased clomid dosage - January 2011
DH SA 75 million with 60% motility!! - May 2011
IVF with ICSI ONLY OPTION - May 2011
3dt of 2 Grade A 8&7 cell embryos May 19, 2011
+HPT May 30 2011 -- Memorial Day!
Beta #1 = 34 Beta #2 = 101.8 Beta #3 = 603!
Expecting beautiful Eden Grace February 7, 2012!
I don't believe that God ever tells us "no". he has three options. Yes, not right now, or I have something better in mind. We just have to wait & see.
If you are Tricare Standard than you can go off base to anywhere that takes tricare standard. (I always just ask before I make the appointment).
If you are Tricare Prime you must first be seen on base and request to go off base or be assigned off base. Either way you must first contact base.
I thought if you lived within a certain distance of the base you needed to use base services if you are on Prime. Last year when my Hubby signed me up they said I had to have my PCM on base because of where we lived. I live 25 min from base and I'm over an hour from the OB's office and the hospital I will deliver at. It sucks driving that far for appts. I'd ask, the worst they can say is no.
About TriCare Prime that is not true about contacting base first...I live about 30-45 min from Camp Pendleton and still (for 2 years) have not stepped foot on base to be seen by the Dr neither has my DD since we live that far away I contacted TriCare and requested my PCM to be off base and was accepted. I just have to use someone in network. And there are a TON of in network people.
This year when I got pregnant I requested an off base OB/GYN and was told NO. The closest military hosptial for birthing with OB Care is 1 hour away and I was told as long as I was prime I had to deliver there but I could however have a PCM off base. So I switched to Tricare Standard and have paid NOTHING for my OB care. I will pay for my copay for delivery which around here is normally less than 150.00 depending on how many days you stay etc. It is important that you ask if the OB you wish to see bills globally. This means they will accept what tricare pays them for their services and you pay nothing additionally so long as what they bill you for is part of normal medical necessity services. (For instance they aren't going to cover additional ultrasounds just because or 3-D unless they are medically necessary)
I am so happy I decided to go off base for my care. I know I have had a better experiance because of it, and now that I am high risk they would have sent me off base anyway to exactly where I'm going now.
Your best bet is to go talk to your base's Tricare reps and see what your options are. They can explain it to you in detail, as well as give you packets and the necessary paperwork can be filed the same day if you decide to switch.