Just trying to figure out the timing so I am not 'in trouble' with my insurance through work, as she would then be removed from my policy or benefits once she is active duty, so to speak. Which is why I'm making her go to the eye dr, dentist, etc just before commissioning!
Anyone know about health insurance post commissioning? Once my mid commissions, I presume tricare then starts to cover?
- Thread starter momx3
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The day your daughter is on AD is the day her AD TRICARE coverage should start, with her CAC card as proof of insurance.
Her unit will get her through all the pre-comm admin, paperwork, close-out of NROTC status and transition to O-1, orders, TRICARE Prime enrollment, DEERS update for CAC card, etc. She can check with the admin person there to confirm her commissioning date is the date of commencement of TRICARE coverage. One date will be the last in her mid status. The very next day will be O-1 status. These dates are very important, PEBD ( Pay Entry Base Date), ADSD (Active Duty Start Date, DOR (Date of Rank), which are sometimes not the same, but they are the starting point for benefits calculations and promotion eligibility years down the road
www.tricare.mil
Her unit will get her through all the pre-comm admin, paperwork, close-out of NROTC status and transition to O-1, orders, TRICARE Prime enrollment, DEERS update for CAC card, etc. She can check with the admin person there to confirm her commissioning date is the date of commencement of TRICARE coverage. One date will be the last in her mid status. The very next day will be O-1 status. These dates are very important, PEBD ( Pay Entry Base Date), ADSD (Active Duty Start Date, DOR (Date of Rank), which are sometimes not the same, but they are the starting point for benefits calculations and promotion eligibility years down the road
New Active Duty Service Members | TRICARE
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St.Katherine
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We are on Tricare Prime for almost 30 years. Tricare Prime works for us because the closest Army Hospital is only 5 miles away. The regular Tricare is for out of way places without military patient care facilities.
If you left him on your insurance, is it for secondary insurance? I know every year my insurance company sends me certifications whether my children eligible for any other insurance through employment, etc, and if so they are supposed to be taken off my policy. Just trying to figure it out because I just received my annual letter from them, so technically at the time of the letter she is still not eligible for other insurance yet.
i have the same thing except for both my sons are on the policy and obviously, I get charged a fee for having my kids on the policy If I drop off my military guy, it makes no change to the cost of the policy. So I left him on until he ages out. Its just easier to deal with paperwork
Yes...it is secondary insurance for him as Tricare will pay first. I have to attest that he is under the age of 26. My insurance doesn't have restrictions dictating that if you have your own coverage you cannot be insured so I am probably fortunate.
I'm a bit confused by your situation...until your daughter commissions she should be eligible for your insurance as a student under the age of 26. The Affordable Care Act doesn't even make the student stipulation, only that they are under 26. Once she commissions she will receive Tricare...from what I understand that is immediate so she should have her own coverage right after commissioning so there shouldn't be a gap between when your coverage ends and hers begins.
Another consideration and I can only speak to Navy Aviation...my son had a thorough commissioning physical by a flight surgeon within the year prior to commissioning. He has since had a physical every year on base during his birthday month with a more thorough physical on birthday age that ends in 0 or 5. So at the age of 25 he had the thorough physical. But again, the annual physicals have covered everything from dental, vision, basic health, etc...it's not a bad idea to have her go thru all the medical before commissioning using your insurance if you want to and her time permits, but my experience is that she will probably have physicals on an ongoing basis unless the requirement I'm familiar with is more stringent because of aviation
Thank you for you reply! I am not sure if my daughter will still be eligible for my insurance as secondary once she graduates, and will look into it. However, My medical insurance is different from my dental/vision, as those are 'benefits' through work, for which she won't be eligible as soon as she commissions. I am sure she will get her physicals, etc with tricare, but she wanted to be seen by her own gynecologist and dentist before landing with a 'new one'
learningNavymom
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Thanks, my son is commissioning in May also but won't be moving to his new location until August, so this is a helpful conversation. I hadn't thought about insurance and what providers he may wish to see this summer.