USMMA Insurance

a_alburrito

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Joined
Apr 30, 2015
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9
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?
 
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.
 
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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.
 
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.
 
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.
 
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
 
Actually the 2015/2016 pricing for the Academy's insurance has gone up to $2200/year.
 
I have Obamacare....I hope it qualifies. It only costs me $80/month.

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.
 
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.

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

Good luck during Indoc...
 
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.

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

Good luck during Indoc...

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.
 
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.

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

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

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

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.
 
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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".

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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