USMMA Insurance

Discussion in 'Merchant Marine Academy - USMMA' started by a_alburrito, May 5, 2015.

  1. a_alburrito

    a_alburrito New Member

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    To the extent of my knowledge, I am under the impression that mids at USMMA have to provide their own insurance. Since you do take an oath to the USNR, do you become eligible for military insurance such as USAA?
     
  2. beyond

    beyond KπΣ15'

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    USAA isn't military insurance, USAA is a private company that provides services primarily to military members. As far as I know USAA doesn't offer health insurance. Health insurance for AD folks and dependents is done through tricare.

    You do become eligible for USAA and Navy Federal membership when swear into the USNR.
     
    Last edited: May 5, 2015
  3. a_alburrito

    a_alburrito New Member

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    Thank you for the clarification.
     
  4. Capt MJ

    Capt MJ Member

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    USAA does offer major medical through a 3rd party. Google "USAA medical insurance." Also dental and vision, 3rd party. Its focus is primarily auto, property, banking, investing, financial advice, for active duty, Reserve, Guard, veterans and their families (spouse and children), wherever they serve. USAA is not publicly traded; employees don't work on commission. As an Association, it is not an all-comers company. USMMA midshipmen are eligible for all, same as other 4 SAs.
    Usual caveat when I say something about them: I work for them, but not licensed. I post on here in a personal capacity.
     
  5. KPEngineer

    KPEngineer Eternal Father ...

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    I work for neither USAA nor Navy Federal but I have been a member of both for going on three decades or more. I am an extremely happy customer of both and have no reason to even consider banking elsewhere or insuring elsewhere.

    I advise all KP mids to sign up for both at the first opportunity.
     
  6. Heyriddle

    Heyriddle Member

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    The insurance policy for next year is $2200. If you have a PPO or can prove that your insurance works in NY and internationally, you MAY qualify for a waiver.
     
  7. AdamKokes

    AdamKokes Banned

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    I have Obamacare....I hope it qualifies. It only costs me $80/month.
     
  8. kpdad2015

    kpdad2015 Member

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    Over the last 4 years while my DS has been attending, and because I work in the health care field, I have paid particular attention to this issue. It all comes down to availability of providers in NY and around the world. For example, we have Blue Cross/Blue Shield (BC/BS) insurance. Providers in NY that are part of Empire BC/BS will automatically accept our insurance without any questions. The parents that have issues obtaining an insurance waiver are normally insured by regional providers such as UMPC Healthplan, Mayo Clinic Health Solutions, and many other regional non-BC/BS providers. The academy has a provider chosen for those who do not have adequate coverage and the annual cost is $1,425.00/year. Details about the requirements can be found at http://www.usmma.edu/academy-life/activitiesservices/usmma-health-insurance-information-flyer. Before you buy the plan from USAA make sure it meets the Academy's requirements. USAA is terrific but I don't think I would pay $2,200/yr for something that I could get for $1,425/yr that's an extra $3,100 over the 4 years
     
  9. DawnRain

    DawnRain New Member

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    Actually the 2015/2016 pricing for the Academy's insurance has gone up to $2200/year.
     
  10. parentalunit2

    parentalunit2 Parent

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    You do not 'have' Obamacare. What has become known as Obamacare is a law. You have insurance through whichever private company you pay premiums to each month.
     
  11. AdamKokes

    AdamKokes Banned

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    Yes, I have a health insurance plan through Blue Cross Blue Shield, that I purchased on an exchange that was made possible by the Affordable Care Act AKA Obamacare.

    So, I have (insurance through) Obamacare or the Affordable Care Act. No need to play with semantics for no purpose.
     
  12. BuckeyeGuy

    BuckeyeGuy Member

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    "So, I have (insurance through) Obamacare or the Affordable Care Act. No need to play with semantics for no purpose."

    Good luck during Indoc...
     
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  13. kp2001

    kp2001 USMMA Alumnus

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    Semantics are actually important in this context. The ACA is not an insurance, you have an insurance that was potentially "made possible" by the law, but the insurance is "through" some form of insurance company.
     
  14. Freda'sMom

    Freda'sMom Parent

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    I was thinking the same thing.

    Good news for him is that it only lasts 17 days (unlike the 7 weeks at the other SAs) because an attitude like his would go over so well.
     
  15. AdamKokes

    AdamKokes Banned

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    @kp2001 is always the smartest soldier/doctor in the room.
     
  16. cmakin

    cmakin Member

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    While Indoc may only be 17 days, Plebe year is quite a bit longer. . . . and at least in MY experience, about the only changes between the two are having the rest of the Regiment on board, classes and no morning calisthenics. . . attitude monitoring will be about the same. . . .
     
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  17. kp2001

    kp2001 USMMA Alumnus

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    Well since there aren't any soldiers in this room and I likely am the only doctor in this room you would be making a true statement in this particular "room"/thread
     
  18. KPEngineer

    KPEngineer Eternal Father ...

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    He's a Sailor, not a soldier. Being the smartest soldier in the room isn't exactly much of a compliment either ;)

    News Flash ... Health Insurance was around long before the ACA came in to being. Come to think of it, Blue Cross/Blue Shield had been offering health insurance to individuals for decades before the ACA made it "possible".
     
  19. beyond

    beyond KπΣ15'

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    Jesus dude. If you think smarting off to a guy who you know to be an O-4 in the real Navy is a good idea you're in for a life changing experience come July.
     
    Last edited: May 11, 2015
  20. parentalunit2

    parentalunit2 Parent

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    Yes, and as someone who has purchased health insurance on an individual contract with BC/BS for almost a decade now, this was my point exactly. It’s just a huge sticking point with me when I hear someone say, “I have Obamacare.” No one has Obamacare, they have health insurance through an insurer. When someone says, “I have Obamacare” I think, “There goes another seriously uneducated American.”
     

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