Hello everyone! My husband and I have been together for about 5 years, married 4 months, and I am 9 weeks pregnant. He is AGR in the National Guard.
This past summer before we got married I looked into Tricare as an alternative to my own work insurance, but he couldn't really give me any info and what I did manage to find online didn't seem great. I am happy with my current insurance and coverage, but I think Tricare would be cheaper overall. So I have a few questions. For those of you that have it, what are the pros/cons? Is it possible to have it and another insurance at the same time? Is it a good option to keep in mind for the baby?
TIA!
Re: Intro and Tricare questions
He is AGR - Active Guard Reserve. He has been working full time at the armory stateside for over a year, in addition to his regular drills/ATs. So while is he has active duty orders, we haven't moved or anything - it's right here at home. Like this is his full-time job, although he is not up for any kind of deployment right now. I have the tannish-colored ID card. I know I am eligible for medical benefits, just weighing the pros and cons.
My husband is currently deployed so it's different from your situation, but I kept my work insurance in addition to TriCare Standard that I have through him. I pay no premiums because he is deployed, and whatever my Anthem insurance doesn't cover, TriCare picks up the balance. I pay no copays or anything. The best part is that TriCare does not have a maximum on ultrasounds as long as they are used to determine size/health/gender of baby. I've had 8 so far in my 18 weeks and it's all paid for.
Once DH comes home, we are going to enroll in TriCare as a family in addition to our work insurances just because of the added coverage. Best part is that because I'm not on Prime, I can go to any doctor of my choice that accepts it.