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Reply to "Tricare Insurance vs. Private"
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[quote=Anonymous]I have a private insurance through my employer. It's very good coverage and decently priced. My fiancé is on Tricare. We are trying to decide what to do with insurance for me after we are married: I could either stay on my employer's insurance or move onto Tricare. Going to Tricare would save us the cost I currently pay for my coverage, and I feel like it may be easier if we are on the same insurance plan when we have a baby. Also, being military, if we move to a new area where I cannot continue my employment and need to have coverage (at least until I get a new employer) if I had already switched over to Tricare, I would be covered and it wouldn't be a concern. My hesitation is whether switching is worth it for the convenience factor. With my current private coverage I simply find a provider in my network, schedule an appointment and go. No referrals needed or lengthy wait times. With Tricare, I understand that I'd have to always get a referral to a different provider, and that there are sometimes lengthy wait times for appointments. I also think (but don't know for sure, we are just starting to compare the two now) that I would have to have all of my appointments at a military base medical center, which is extremely not convenient as we don't live on base. Does anyone here have experience with Tricare and any advice to offer? On Tricare could I choose my own doctors or, when we want to have a baby, the hospital I'd like to deliver at? Or would I be stuck doing everything on base, which depending on where the bases are and where we are living, may be kind of subpar to what is available in a non-military network?[/quote]
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