Health and Dental Insurance

J

Jeepman

5-Year Member
Joined
Dec 20, 2017
Messages
242
When is a plebe covered by the health and dental plan at USNA/USN? When can I drop what I have for him?
 
If they are there, they are covered. Some will say you should keep them on in the event they decide it's not for them or if they have an injury that would cause them to separate, they'd be covered. Because the ACA was enacted you can get insurance with a prior condition so it's not as important should they separate with an injury. My .02
 
I recommend going back to the link below and reviewing everything, especially the info on maintenance of private medical insurance. Be sure to look at last days updated - things are very volatile right now

www.usna.edu

Permit to Report

Permit to Report page for Admissions at USNA.edu. Updated Tue Jul 06 08:59:16 EDT 2021.
www.usna.edu

The day the oath was taken or whatever day is counted as their first day of AD service, TRICARE Prime medical coverage, full dental, full pharmacy, etc., kicked in. Even away from USNA, they can go to any MTF (military treatment facility), or for urgent/emergency care if no MTF. Their CAC (common access card) is their proof of insurance.

I think it is prudent to keep the mid on family coverage, especially for the first two years, just in case “something happens,” and the mid is either voluntarily or involuntarily separated. I am not up to date on current legislation relating to the Affordable Care Act, and what may or may not be changed or repealed.
 
Does anyone know for certain what their 'date' is for the class of '24? Their reporting date (which was a 4 day event this year)? Their date of Oath (I *think* this is ceremonial, but it is scheduled to be July 17th)?

And is that their AD date?
 
Working in healthcare, JMHO, Tricare sucks, so if you can keep your kids on your insurance for a little bit, do so.
 
jaglvr said:
Working in healthcare, JMHO, Tricare sucks, so if you can keep your kids on your insurance for a little bit, do so.
Click to expand...

> A word of caution, once in the Service, their are limits upon use of outside (non -military healthcare). It's been discussed extensively in other threads, but the bottom line ..one you take the Oath, you are bound by military rules and regulations, which may include how, when , where and whom you can get healthcare from . Bottom line, we used to joke that the Navy owns your body.. I suspect that its okay to have insurance on top of Tricare, but that doesn't mean you can go out and use it to obtain healthcare outside of the system.
 
The Navy wants records of all your healthcare and would prefer that they maintain the records, thus the stipulation that you use Tricare. There can be cases in which you are somewhere and need immediate care and it is (for whatever reason) easier to use private insurance. If that's the case, I would say get the record(s) and make sure that you get that info to the people in the Navy who keep track of that sort of thing.

We as a family do not do that. Our DS is on Tricare and that's it.
 
Plebe Year one of my friends had a pretty invasive surgery and was in severe pain. Brigade Medical was only willing to prescribe 2 days worth of pain medication (Doctors can face a lot of scrutiny for prescribing pain meds now, even for short term legitimate usage), so on the weekend he saw his family doc on his own insurance (Lived in Maryland) and got a week’s supply, which got him through the hardest part of recovery. Likewise I know mids who have gotten their wisdom teeth removed over winter leave by their family dentist so they wouldn’t have to deal with Brigade dental. So it’s by no means necessary to keep private insurance, but in some cases it can be useful. And as was mentioned, because of the ACA you can’t be denied coverage due to an existing condition, so getting care after a medical separation generally shouldn’t be a problem.
 
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