Tricare for Life
02-14-2016, 08:07 AM
#1
Gets Weekends Off
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Joined APC: Jan 2013
Posts: 471
Tricare for Life
Retired from the Guard and will be eligible for Tricare. Does anyone have any good information on Tricare for Life? Compared to company insurance plan currently and then supplemental insurance or Tricare in retirement with Medicare?
Thanks
Thanks
02-14-2016, 09:13 AM
#2
Gets Weekends Off
Joined APC: Dec 2007
Position: Retired
Posts: 404
My wife is not eligible for Medicare yet so I have had her on FedEx Retiree High Deductible with Tricare Standard as a supplement. This has also worked out well with virtually no out of pocket costs other than the premiums for the FedEx coverage.
Overall, we are very happy with both Tricare plans.
02-14-2016, 09:24 AM
#3
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Joined APC: Nov 2015
Posts: 30
We've been using Tricare since I retired (vice company plan). Note I retired as active duty vice a guard/reserve retiree. Premiums for the whole family are currently $46/month (vice the $500+ most companies are charging these days). No copay if you used a military facility or pharmacy. $12 co-pay otherwise.
Once we turn 65, we will likely get a supplement as we transition over the medicare Tricare bin.
In my experience, the Tricare is a good deal if you are happy with Tricare. Delta Dental (retiree dental) is not as good of a deal as what most companies offer.
Once we turn 65, we will likely get a supplement as we transition over the medicare Tricare bin.
In my experience, the Tricare is a good deal if you are happy with Tricare. Delta Dental (retiree dental) is not as good of a deal as what most companies offer.
02-14-2016, 11:53 AM
#4
Gets Weekends Off
Joined APC: Mar 2006
Position: guppy CA
Posts: 5,171
We opted for Tricare Retiree Prime (AD retirement; still have some time before hitting age 65). We live near a military base so the only out of pocket medical expenses we have is Tricare Prime cost and some physical therapy copays (we use Family Savings Account for the copay).
If you are under age 65, Tricare Retiree Prime will be cheaper than just about any company medical option.
Over age 65, I plan on getting Medicare Part B and having Tricare For Life.
Delta Dental sucks compared to just about every company offered dental plan.
If you are under age 65, Tricare Retiree Prime will be cheaper than just about any company medical option.
Over age 65, I plan on getting Medicare Part B and having Tricare For Life.
Delta Dental sucks compared to just about every company offered dental plan.
02-15-2016, 09:37 AM
#6
Gets Weekends Off
Thread Starter
Joined APC: Jan 2013
Posts: 471
Tricare For Life begins at age 65 and is a supplement to Medicare Part B. If you don't sign up for Part B, you can't use TFL. On a positive note, I have been using Part B and TFL with great success. Out of pocket is virtually zero.
My wife is not eligible for Medicare yet so I have had her on FedEx Retiree High Deductible with Tricare Standard as a supplement. This has also worked out well with virtually no out of pocket costs other than the premiums for the FedEx coverage.
Overall, we are very happy with both Tricare plans.
My wife is not eligible for Medicare yet so I have had her on FedEx Retiree High Deductible with Tricare Standard as a supplement. This has also worked out well with virtually no out of pocket costs other than the premiums for the FedEx coverage.
Overall, we are very happy with both Tricare plans.
02-15-2016, 10:03 AM
#7
Gets Weekends Off
Joined APC: Dec 2007
Position: Retired
Posts: 404
The only plan I have had any experience with is Tricare Standard and that has only been as a supplement to FedEx Healthcare. Other folks will have to jump in with information on Prime and any other versions that are available.
02-15-2016, 12:40 PM
#8
Gets Weekends Off
Joined APC: Jun 2007
Position: 767/757 CA
Posts: 2,737
Tricare Standard can be used pretty much anywhere and you have a deductible to meet before they start paying the 80% cost share. I use this option because pick the doctor I want and don't have to do the BS pre-authorizations. I've found this to be a good plan but don't have a lot of medical issues right now… so hardly go to the doctor anyway other than periodic physicals and blood work.
02-15-2016, 11:15 PM
#9
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Joined APC: Jul 2014
Position: Retired to saddle of my horse
Posts: 47
I retired from active duty and went to airlines. Used Tricare standard as secondary payer until 60 when it became my only insurance until age 65. Now have Medicare with TFL. I have never paid any Tricare premiums. Seems to work well. Hardly any medical bills, and wife is diabetic, and I have a couple of problems.
02-27-2016, 05:34 AM
#10
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Joined APC: Dec 2015
Posts: 40
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