The United States Department of Defense Military Health System has established a health care system, known as TRICARE, which provides health benefits to a substantially large number of beneficiaries around
This article provides a comprehensive overview about What is TRICARE and the Tricare health care system and the kind of coverage it provides.
Not convinced whether Tricare is the right option for you? Give this article a read to know why you should be signing up for a health care plan with Tricare.
Who and What is Covered? Want to find out whether or not you are covered by the Tricare health care plans? Read on to find more.
This section states which health care facilities or equipment are not covered and Who and What is Not Covered by Tricare. Furthermore, you can also find out whether you are eligible for Tricare health care plans or not.
If you want to sign up for a Tricare health care plan, this page contains everything you need to know and useful links leading onto further and more detailed information.
Everyone cannot, of course, sign up for Tricare health care plans. Here, you can find out whether or not you can be considered Eligibility for one.
You might want to consider both sides of the picture before you ultimately sign up. This page highlights both the advantages (such as subsidised costs) and the disadvantages (such as limitations on the health care providers you can see).
Want to know what’s so special about Getting Tricare health care plans that make them more beneficial than commercial health care plans? Read this to find out more!
As tragic and sad the loss of life is, it is also important to not lose track of the technicalities of life. This article tells you what happens in the unfortunate circumstances of the death of your sponsor.
This provides an overview of the various ways in which Tricare health care plans can cater to those who have lost different sensory faculties, such as the blind or those who are deaf or mute.
Who and What is Covered? Want to find out whether or not you are covered by the Tricare health care plans? Read on to find more.
What happens when a Tricare beneficiary loses a limb? Find out which emergency services are covered by Tricare and how Tricare can help you if you need a prosthetic limb.
If you know an eligible Tricare beneficiary who might be needing counseling for various problems or disorders, such as having a hard time transitioning back into civilian life, PTSD or depression, find out more here.
This article discusses the flexibility you have in Choosing a Desirable Doctor based on which Tricare health care plan you have.
This page contains all the information you need to know to determine your eligibility, the kind of prescription drugs that are covered by Tricare and how these prescriptions can be filled out.
You might have undergone a massive change in your personal life. For example, you might just have remarried or you might have left for university away from home. Find out what happens to your Tricare coverage here.
After you have retired from your post in the military forces, there is a change in the kind of coverage and support that Tricare has to offer. Read on to learn more about Tricare and Retirement with post-retirement health care plans.
If you are residing on overseas military bases, then the Tricare Overseas plan might suit you needs. Click here to find out more about this extension of the Tricare system.
Plan Your TRICARE
Are you eligible for Tricare health care plans and have chosen the one you wish to sign up for? Find out here how you can go about this procedure for Tricare Enroll or Purchase a Plan
Although none of the Tricare health care plans provide coverage for dental treatment, a voluntary program is available, which you can learn more about here.
People with a mild or severe form of mental retardation can be considered for the Tricare ECHO program. This article provides a brief overview of its features.
Find out about the Tricare Pharmacy Program, how you can enrol for it and how much you will have to pay for it.
Do you want to know how Tricare covers for your dental needs? Read on to find more about this optional insurance plan, which provides access to hundreds of dental care facilities without any additional costs or any deductibles.
The Tricare ECHO program aims to provide special services and supplies to military beneficiaries who suffer from mental and physical disabilities. This page will provide you with the information regarding the nature of these services, as well as who is eligible for them.
Do you see yourself or a family member meeting the criteria of a non-active duty military beneficiary? This article covers information on a fee for service payment health care plan devised especially for you.
This article covers the different types of pharmacies operating under the Tricare system and provides information about how you can go about getting your prescription filled if you are covered by a Tricare health plan.
Read on to find out how the most basic health care plan that Tricare has to offer works. With all basic medical services covered and almost zero out-of-pocket costs, this is a popular plan amongst beneficiaries.
This article briefly discusses some advantages of the Tricare Standard plan, such as not having to enrol, greater flexibility to beneficiaries and being able to consult a healthcare provider of your choice.
Concerned about how much you are going to end up having to pay for dental treatment coverage? Read on to find out about the Costs of Tricare Dental involved, such as monthly premiums and cost shares.
Find out the total costs you can incur under the Tricare Extra plan, such as those for using ambulance services, inpatient mental health treatment, neonatal care, laboratory and x-ray and more.
The cost of Tricare Prime varies depending on whether you are an active duty service member, a family member of such an individual or whether you fall in another category of beneficiaries. This page provides information for each category.
Find out how much it is going to Costs of Tricare Pharmacy to get your prescription filled from Tricare based on the military status of your sponsor, the type of drug you need and where you get your prescription filled from.
This page details information about different costs that can pop up despite being covered by a Tricare health care plan, such as co-payments. Financial costs are, of course, a common Tricare Financial Concerns. Find out more about them, and also whether your costs will be reimbursed or not.
Tricare has an excellent health care plan (ECHO) for those who have slightly uncommon medical needs. Find out how much it costs here.
The United States Department of Defense Military Health System has established a health care system, known as TRICARE, which provides health benefits to a substantially large number of beneficiaries around the world – approximately 9.5 million. These beneficiaries include individuals, who are currently serving in the United States military, members of the National Guard and Reserve, individuals, who have retired from work and families of people who have retired from their posts in the United States military. In addition to this, these facilities are also extended to survivors as well as former spouses or any other individuals who have been registered or enrolled in DEERS, which is the Defense Enrollment Eligibility Reporting System.
The facilities at TRICARE draw from both military clinics and hospitals, as well as civilian providers of health care services. TRICARE offers comprehensive and all-encompassing health coverage to the beneficiaries, which includes dental treatment, emergency care, hospitalization, preventive facilities and pharmacy. Furthermore, all the plans that are being offered under the TRICARE system include all health care facilities and services as stipulated in the Affordable Care Act for the minimum level of essential coverage that has to be provided to people.
At present, TRICARE offers a number of different types of health plans to people, and the availability of these plans depends on the individual and where he or she is located. Plans that are currently available include TRICARE Prime, TRICARE for Life, TRICARE Retired Reserve, TRICARE Standard Overseas, TRICARE Standard and Extra, TRICARE Reserve Select, TRICARE Prime Remote Overseas, TRICARE Prime Remote, TRICARE Prime Overseas, TRICARE Young Adult and the US Family Health Plan. For more information and further details about what each of these plans entail, you can click on the respective links and you will be directed to the appropriate pages. You can go through the various benefits that are included in each program, as well as the eligibility criteria, in order to determine which one you can qualify for.
However, if you are still not sure about the health care plan that applies to you, our website has a very helpful Plan Finder, which can help you in identifying which health plan you can potentially become eligible for. Please note that the Plan Finder is only there for your understanding and to guide you to health plans that you may qualify for; suggestions offered by the Plan Finder by no means imply that you are definitely qualified for the use of that particular plan.
When using the Plan Finder, you will be asked a number of questions. Once you have provided the answers to these questions, the Plan Finder will display a list of health care plans that you may potentially be able to enroll for and use. Furthermore, please keep in mind that the same health care plan may not apply to every member of your family. Thus, it is advisable for you to individually run through the Plan Finder if you wish to find out which health care plans you may eligible for.
Health Care for Veterans
Why Help Veterans?
According to various studies that were conducted by the Veterans Affairs, approximately one out of every five homeless individuals has, at some point, carried out military service in the United States. At present, more than twenty two million individuals can be classified as veterans in the United States. For example, there are soldiers, who spent their time serving as part of the United States military forces in far off places such as Afghanistan and Iraq. In addition to this, out of the individuals who are currently in active service in the military, almost one million people will be retiring and returning to civilian life. This essentially means that one million people will be trying to readjust to civilian life simultaneously in the five years to come.
Readjusting to civilian life is not going to be an easy process, as has been seen in the past. This is a highly critical time period for the individual himself and his family, and there is, regrettably, always a certain percentage of these veterans who end up in places or situations that are highly unpleasant. For example, many veterans in the past have faced unemployment and homelessness. Others have come home with mental disorders, such as Post Traumatic Stress Disorder (also referred to as PTSD) and depression, which can then lead to a host of other problems, such as drug and alcohol abuse.
In addition, their families are also affected due to any economic hardships. Furthermore, because of the circumstances that the veteran has undergone, families can also be shattered. Because of the years that these veterans have spent serving the military, they are used to a highly regimented and ordered way of life, and it is, therefore, no surprise that it is hard for them to adjust to the everyday life of civilians. Keeping all of this in mind, it is possible that they just drift here and there in society, without fully knowing what it is that they have to do and might turn to the use of various substances.
In order to assist veterans ease into everyday life, many different organizations have sprung up, which aim to provide help to the men and women who gave up the comforts and luxuries of life in order to serve the nation. While social and economic problems are important and need to be tackled, it is also equally important to address the health care needs of these veterans. The years that most veterans have spent living in the most stringent and strict conditions means that many of them return with various different types of chronic health conditions, injuries and mental health problems. Given everything that these individuals have done to serve the nation, it is important for a system to be devised to address the needs of these veterans.
The main aim of these health care programs is to assist people who have retired from service in the military and veterans to ease back into their lives as civilians. The programs that are currently available have been designed differently to meet the diverse needs of people, depending on what the duty status of an individual was, as well as the circumstances of his or her transition. Furthermore, the duration of these programs is also different. While some are short-term programs (that usually provide coverage and support for a period of a maximum of three years), others can be more long-term.
The military now offers a health insurance system, which is known as TRICARE. There are different options within this insurance plan, such as TRICARE Prime, TRICARE Standard, TRICARE Extra and TRICARE for Life. These health insurance plans are not just limited to veterans, but can also be utilized by others, such as people who are still in active service, and men and women who have retired from their posts in the military as well as their families. This page will focus on how veterans can benefit from the TRICARE insurance plans and their various features.
This option is similar to those offered by a health maintenance organization (also known as HMO). A veteran who opts for this plan will be assigned a particular primary care provider. More often than not, this will probably be a military medical clinic or a hospital. The veteran can obtain most of his or her healthcare needs from this primary care provider. In certain cases, a veteran may have to see a specialist. For this, a special referral will be required from the veteran’s primary care provider before the veteran can go and see a specialist.
All veterans opting for TRICARE Prime will be required to register themselves. In addition to this, a small enrollment fee also has to be paid on an annual basis. Moreover, whenever the veteran receives any form of medical care, he or she will also have to pay a small additional fee (which is known as cost-share). The advantage of using this option is that veterans do not need to bother themselves with filling out and filing in reimbursement claims if they receive any health care service under the TRICARE system itself, as this is done by the provider itself.
In short, TRICARE Prime can be considered to be perhaps the most reasonably priced option out of all the available TRICARE options. The only limitation is that a person has to be located near some military base to avail this, as the hospitals or clinics are usually located on these military bases.
Although this is more flexible than the aforementioned plan, it also comes at a slightly higher cost. Veterans usually do not need to register for this plan in advance if they are otherwise eligible to utilize the TRICARE system; enrollment takes place automatically when a veteran first goes to receive health care upon presenting the military/dependent ID as insurance. This is also flexible in terms of the fact that veterans may avail health care from any clinic or hospital that is a TRICARE network provider; all they need to do first is show their ID cards. It is more costly because a deductible is paid on an annual basis. Furthermore, any medical expenses are also split in an 80-20 method, whereby TRICARE is accountable for eighty percent of the total expenses, but the veteran would be required to cover the remaining twenty percent. As with TRICARE Prime, veterans do not need to concern themselves with the paperwork for reimbursements as the provider covers this as well.
The option costs more than other options, but is also provides greater flexibility. Veterans can access any medical providers they wish. Like TRICARE Extra, veterans opting for TRICARE standard will also be paying an annual deductible. Furthermore, they will also have to pay one fourth of the total stated cost of the medical treatment. As with TRICARE Extra, it does not require any advance registrations; veterans can simply walk into any medical facility and present their ID to receive health care services.
TRICARE for Life
Prior to 2001, any retired individual who crossed the age of 65 no longer had access to the facilities provided by TRICARE. Such individuals were then under the care of Medicare and its programs. Starting in 2001, however, this was changed; TRICARE services were extended to individuals even after the age of 65 if they enrolled for Medicare Part B, where an individual has to pay a monthly premium if he or she wishes to obtain medical care from any authorized provider under Medicare. The advantage of registering for this option is that additional coverage is provided by TRICARE. If certain costs are incurred during the treatment procedure that are not covered by Medicare, those are taken care of by TRICARE. Veterans will not be required to pay any kind of deductible (as in TRICARE Extra or TRICARE Standard) or any cost-share (as in TRICARE Prime).
What is Not Covered?
Although TRICARE provides for most basic health care needs of individuals, there are certain rules in place about them. For example, some treatment procedures may need authorization.
It is also possible that some procedures are not covered at all. These include abortions, unless there is a risk to the life of the mother. Furthermore, although TRICARE usually provides prescription pills for birth control, it does not cover condoms. Any kind of procedure that is done for cosmetic reasons (which may either be a surgical procedure or involve the simple use of drugs) is not covered. However, there is an exception to this case – a cosmetic procedure can be carried out on a veteran if the purpose is to reverse any disfigurement that took place. For example, it can be allowed for people who have been disfigured because of burns or an accident. In addition to this, TRICARE does not cover any treatment for controlling weight or obesity or helping an individual to quit smoking.