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Reply to "Tricare Insurance vs. Private"
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[quote=Anonymous]OP, if you tell us how much you pay for your private insurance, it would be helpful to help you decide. I think TRICARE standard is much easier because it functions a lot like a PPO-you don't need referrals, more doctors take TRICARE standard vs. Prime, etc. A few years ago when I thought about putting the whole family on TRICARE standard, the maximum out of pocket expense at that time was $1,000/year so that was worth it. However, because DH's private insurance only cost us $200/month for the entire family, we decided to stay with the private insurance because almost all the providers we've seen are in network. It's sometimes tough to find primary care providers who take TRICARE Standard although a lot of specialists seem to be in network for TRICARE standard. Also keep in mind if you are TRICARE standard, you cannot go to a military treatment facility. That's only for PRIME. If you live in Maryland, definitely check out the U.S. Family Health Plan through TRICARE. [/quote]
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