tricare standard

faronsmom · September 2011

if i am pregnant will tricare standard cover everything or do we need to swap to prime??

Ilumine · September 2011

Covers all prenatal and birthing care, minus your fiscal year deductible and the first vibist where the OB confirms your pregnant.

preppymama · September 2011

Standard is the one with copays, no? I always thought Prime was the one you were automatically enrolled in and was 100% free if you're treated at a MTF (or under approved providers if there was no MTF).

I switched out of Prime to Standard for this pregnancy, actually, because I didn't want to go through prenatal care and L&D at the army base here and wanted more freedom. However, with my first birth I was on Prime because we were in a different location and I was able to go through civilian providers and everything was covered.

gigismomma · September 2011

preppymama:

Standard is the one with copays, no? I always thought Prime was the one you were automatically enrolled in and was 100% free if you're treated at a MTF (or under approved providers if there was no MTF).

I switched out of Prime to Standard for this pregnancy, actually, because I didn't want to go through prenatal care and L&D at the army base here and wanted more freedom. However, with my first birth I was on Prime because we were in a different location and I was able to go through civilian providers and everything was covered.

I hear this all the time that people stitch to avoid the military hospital. I live on base and still see a civilian approved provider for prenatal care and will deliver in a hospital off base. Tricare did not make me go to the military hospital. Tricky stuff...

preppymama · September 2011

gigismomma:
preppymama:

Standard is the one with copays, no? I always thought Prime was the one you were automatically enrolled in and was 100% free if you're treated at a MTF (or under approved providers if there was no MTF).

I switched out of Prime to Standard for this pregnancy, actually, because I didn't want to go through prenatal care and L&D at the army base here and wanted more freedom. However, with my first birth I was on Prime because we were in a different location and I was able to go through civilian providers and everything was covered.

I hear this all the time that people stitch to avoid the military hospital. I live on base and still see a civilian approved provider for prenatal care and will deliver in a hospital off base. Tricare did not make me go to the military hospital. Tricky stuff...

So crazy! With my first one I was able to go off-base because we only had a clinic & not an actual hospital on the base. We're in such a HUGE regional area here, though, that I know they'd have made me go through either this army post, or another AF post or even a naval hospital (we're in DC, so plenty of MTF options )

fighting with Tricare and MTFs was not on my to-do list this pregnancy, ha ha.

Junebug060609 · September 2011

gigismomma:
preppymama:

Standard is the one with copays, no? I always thought Prime was the one you were automatically enrolled in and was 100% free if you're treated at a MTF (or under approved providers if there was no MTF).

I switched out of Prime to Standard for this pregnancy, actually, because I didn't want to go through prenatal care and L&D at the army base here and wanted more freedom. However, with my first birth I was on Prime because we were in a different location and I was able to go through civilian providers and everything was covered.

I hear this all the time that people stitch to avoid the military hospital. I live on base and still see a civilian approved provider for prenatal care and will deliver in a hospital off base. Tricare did not make me go to the military hospital. Tricky stuff...

They did make me switch to the military hospital from my civilian one. My understanding from talking with the Tricare rep is that it has to do with availability of care at any given time...if the base hospital is overloaded with OB patients, they'll send you elsewhere.

I switched from Prime to Standard to go back to my civilian OB. Given the timing of my EDD with the fiscal year, I get to pay the deductible twice in the same pregnancy.

lmaa06 · September 2011

I'd switch to prime it can sometimes be more of a hassel but it was less stress when I had my DD. I didn't give birth on post I had her off and my dr was civilian off post

shall923 · September 2011

Maternity cost are covered 100% on Standard and Prime. You only have to pay if you have issues outside of a normal pregnancy. I had thyroid problems that required extra blood work. My whole pregnancy maybe cost me $30. The hospital stay cost me $63.

It is worth it to get the doctor and hospital you want.

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