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Reply to "Tricare Insurance vs. Private"
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[quote=Anonymous]Some good info above. Definitely look here: http://www.tricare.mil/Plans/ComparePlans.aspx With either plan there is a $1000 fiscal yr out of pocket cap for active duty. $3000 for retirees. Both plans also have same exact pharmacy benefits. As a long time Tricare Standard User I love the control. I have never had to file my own paperwork although it is the most popular "threat" against Standard. I aim for in-network Providers and pay 15% of allowable, which as illustrated above can be minimal. I have to have trouble finding doctors but then again the Navy sends us to big areas. In past years I also used Tricare as a secondary to my employer's coverage giving me very little out of pocket annually especially since that was back when my employer paid the employee premium 100%. For all the bitching and moaning I've heard over the years I've realized a couple of things. Most comes from those using Prime and routed through the military clinics and hospitals which are understandably busy and crowded. The other is that those who come to this plan directly off their parents' don't yet realize that others pay hundreds per month in premiums for the same appointment waits, diagnostic frustrations and questionable practicioners. That's just our healthcare "system".[/quote]
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