Current Cadet - Private Medical Care - Prescription

Discussion in 'Air Force Academy - USAFA' started by Option.Period, Dec 7, 2015.

  1. Option.Period

    Option.Period New Member

    Joined:
    Dec 19, 2014
    Messages:
    8
    Likes Received:
    1
    Going to see a private practice dermatologist for acne. Is there a source for a list of medications that would be some kind of violation for the dermatologist to prescribe or that would cause a problem down the road for some reason if taken. Don't want to create a problem by taking something that shouldn't be taken. Would rather have a list of prescription medications that are allowed so dermatologist can be informed of appropriate options in the first place. Thanks for any insight.
     
  2. fencersmother

    fencersmother Founding Member

    Joined:
    Oct 10, 2007
    Messages:
    2,580
    Likes Received:
    800
    I believe cadets have a list of standard medications they can't take OTC. Might want to ask at the clinic, or look through your regs and see what's listed.
     
  3. FalconsRock

    FalconsRock Parent

    Joined:
    Mar 2, 2015
    Messages:
    772
    Likes Received:
    537
    This may seem a silly question, but if you are a current cadet at the Academy, do you not have medical care there?
     
  4. Option.Period

    Option.Period New Member

    Joined:
    Dec 19, 2014
    Messages:
    8
    Likes Received:
    1

    I'm actually a parent of the current cadet in the thread title - so don't have the "regs" are they available online somewhere so I can look? Just trying to give a little assist here as my cadet is focused on preparing for finals. Thanks.
     
  5. Option.Period

    Option.Period New Member

    Joined:
    Dec 19, 2014
    Messages:
    8
    Likes Received:
    1
    Not silly at all. I'm actually a parent of the current cadet in the thread title. Still covered by my private insurance and wanting to address it with dermatologist that have familiarity with while home over break rather than during the term at USAFA ... that's all. Thanks.
     
  6. fencersmother

    fencersmother Founding Member

    Joined:
    Oct 10, 2007
    Messages:
    2,580
    Likes Received:
    800
    Um, you might want to check that: are you SURE your CADET in the US Air Force is covered by your insurance???

    If your adult child is a cadet, s/he'll have access to medical info. Let him do it himself.
     
    Pima likes this.
  7. Mountain

    Mountain Member

    Joined:
    Dec 1, 2015
    Messages:
    21
    Likes Received:
    7
    I'll be curious to hear this answer too!
     
  8. FalconsRock

    FalconsRock Parent

    Joined:
    Mar 2, 2015
    Messages:
    772
    Likes Received:
    537
    Thanks for the info. I can't really answer your question regarding a list of medications that are off limits, but even if approved, if your cadet will be taking any medication like isotrentinoin (accutane type) it will require monthly blood tests and follow-up visits that will have to be done at the Academy. A regimen like that usually requires five months of treatment. If only going on a regimen of antibiotics and topicals, it will still have to be followed up on and he/she will most likely not be home to do that.

    1+ with Fencersmother, your adult cadet really should see his own doctor at the Academy unless you are just getting a second opinion. That's just my opinion on the matter. Hope your cadet gets what is needed.
     
    Pima likes this.
  9. NavyHoops

    NavyHoops Moderator

    Joined:
    Jul 13, 2011
    Messages:
    3,089
    Likes Received:
    2,444
    This is a prime example why its best for your Cadet to see a dermatologist at the USAFA. It keeps a consistent medical record, their scripts will all be handled there, and they can adjust medications on what is or isn't working also in case there are side effects and they know what is/isn't allowed for certain things. They also know their environment and what works best for a Cadet given their regiment and lifestyle. Although it can take a month or so get an appointment with a military dermatologist, I highly recommend they stick with the USAFA doctor to keep from anything impacting future job selection and consistency of care/medications.
     
    Pima and kinnem like this.
  10. Option.Period

    Option.Period New Member

    Joined:
    Dec 19, 2014
    Messages:
    8
    Likes Received:
    1



    While I may be mistaken:

    “The Affordable Care Act requires plans and issuers that offer dependent coverage to make the coverage available until a child reaches the age of 26. Both married and unmarried children qualify for this coverage. This rule applies to all plans in the individual market and to new employer plans. It also applies to existing employer plans unless the adult child has another offer of employer-based coverage (such as through his or her job). Beginning in 2014, children up to age 26 can stay on their parent's employer plan even if they have another offer of coverage through an employer.

    So I am comfortable with my cadet still being covered by my private insurance coverage.
     
    Sst116 likes this.
  11. Option.Period

    Option.Period New Member

    Joined:
    Dec 19, 2014
    Messages:
    8
    Likes Received:
    1

    Thanks for the information - appreciate it.
     
  12. Option.Period

    Option.Period New Member

    Joined:
    Dec 19, 2014
    Messages:
    8
    Likes Received:
    1

    Thank you for the information. Makes sense.
     
  13. fencersmother

    fencersmother Founding Member

    Joined:
    Oct 10, 2007
    Messages:
    2,580
    Likes Received:
    800
    Option, for my children, as soon as they were processed on I-Day, they were no longer eligible for my insurance. And just to make sure, you should probably ask your insurance carrier if Obamacare exemptions extend to military.
     
    Pima likes this.
  14. Jcc123

    Jcc123 Member

    Joined:
    Apr 19, 2010
    Messages:
    891
    Likes Received:
    280
    My son continued to be on my insurance even after he commissioned and entered active duty. His tricare became primary coverage and my insurance was secondary. In fact, he is still on it right now, though I did remove him for '16 during the open enrollment period that just closed.
     
  15. fencersmother

    fencersmother Founding Member

    Joined:
    Oct 10, 2007
    Messages:
    2,580
    Likes Received:
    800
    I really do find that shocking, about insurance. Call me crazy but perhaps that's why my premiums and deductibles are so bloomin' high.
     
  16. grevar

    grevar CGA Admissions Partner

    Joined:
    Mar 5, 2013
    Messages:
    512
    Likes Received:
    98
    Just a note that your home town dermatologist will not be able to bill Your private insurance without first billing tricare as the primary carrier.

    With that said, your son could take some heat for seeing a doc outside the realm of the academy and not covered by tricare.

    On a personal note, last year while son was home for Christmas he went to our dentist for a cleaning as he is still on our dental plan. Turns out our dental plan wouldn't cover him until the bill was first submitted to tricare. (Somehow they knew even though we didn't tell them). Of course we didn't want to do that so I just paid out of pocket. It was much easier for him to get the care while home rather than take time away from classes. Lesson learned.
     
  17. Pima

    Pima Parent

    Joined:
    Nov 28, 2007
    Messages:
    12,800
    Likes Received:
    932
    Tricare will actually ask if the member has a secondary insurance company so if the provider does not accept their billing limit the secondary will pick up the difference.

    Option, your DS will be covered by TriCare as their primary. It is important to ask if they accept TriCare, if they don't than that is when your insurance will kick in.
    ~ I live in an area where there are many docs that accept TriCare, but because there are so many of us that use it here they are not accepting new TriCare patients.

    I don't know where you live, but if you live near any military base he should be able to make an appointment at that base/post. Or at the very least they can probably refer you to a doc that deals with military members and their dependents.
     
  18. Pima

    Pima Parent

    Joined:
    Nov 28, 2007
    Messages:
    12,800
    Likes Received:
    932
    xposted with grevar.

    grevar, they probably knew about tricare because if the doc asks for SS as their identification as soon as they pop in that number for health insurance purposes TriCare will pop up. Also if he showed his CAC as id at check in they would have known that they are covered by Tri-Care. Anyone with experience would know that their primary, even if your child is under 22 would be TriCare because of the id.

    I know for my kids everytime they go to any doc they ask for their last 4 SS number along with their date of birth which immediately pulls up their insurance provider.
     
  19. Capt MJ

    Capt MJ Member

    Joined:
    Sep 27, 2008
    Messages:
    2,345
    Likes Received:
    1,812
    Ditto all on SSN triggering TRICARE, as the military ID or CAC card is the proof of insurance card.

    TRICARE requires a call if any care is received at a non-military provider, such as an ER or urgent care facility, when a MTF (military treatment facility) is not available, so they can start a case number for billing and authorize the care. If the care is emergency, TRICARE pays for everything. If the care is urgent, and no MTF is reasonably available, they will pay. That's how I understood it to work when I was AD and now as a retiree.

    For routine care, it's always a little murky to me how this works when private insurance is still in the mix.

    It might be worth a call to your nearest TRICARE service center or your cadet walking into an MTF that has TRICARE advisors, to get a definitive answer. Since cadet is an AD adult, only hypotheticals can be discussed with parents. Being clear on how it works will prevent unintended consequences.

    http://www.tricare.mil/Plans/OHI.aspx

    Just found this. Read all. Especially the "Are you on active duty?" section.
     
  20. Capt MJ

    Capt MJ Member

    Joined:
    Sep 27, 2008
    Messages:
    2,345
    Likes Received:
    1,812
    I didn't write particularly clearly about how TRICARE works for emergency/urgent situations if MTF not available. That should really be expanded to TRICARE providers. TRICARE Prime, the AD option, is essentially the military HMO.

    The important info is in the link, and best answers will be from TRICARE.
     

Share This Page