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Health insurance

Discussion in 'Air Force Academy - USAFA' started by John41057, Nov 5, 2012.

  1. John41057

    John41057 Member

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    Hi
    Just wondering if after BCT and acceptance to the wing, should I still keep DS on insurance policy or remove?
    Regards
    John
     
  2. kdc246

    kdc246 5-Year Member

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    It is really up to you. If it doesn't cost you anymore to have them on your policy, it acts like a safety net while they are home. They are totally covered by TRICARE and if they need care, unless it is an emergency, they have the phone numbers to call to get authorization for care. If you a near a military base with a clinic, they will most likely travel there, or the closest military care facility to their location. Some parents wait until up to commitment, their junior year, to remove them from policies in which it doesn't cost them any extra. In our case we have/pay for tricare prime(retired). So, they come off automatically. We do carry them on our dental policy, just because.
     
  3. Pima

    Pima 5-Year Member

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    Personally, I would keep them on your insurance. You just don't know the future.
     
  4. John41057

    John41057 Member

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    Insurance

    Hi
    Thanks for the advice, I agree that it is better if we keep DS extra covered, as you say you never know what could happen. Just out of curiosity does the insurance the students get cover everything with no out of pocket for them?
    Regards
    John
     
  5. MN-Dad-2016

    MN-Dad-2016 5-Year Member

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    Insurance for the students are 100% (zero out of pocket) including dental. We dropped our DS and saved about $2K a year! By Blue Cross Blue Shield rep said that we could pick him back up on our policy without a problem is conditions changed. So if it's "free" because of work, keep it. But if you are self employed you will save a good deal.
     
    Last edited: Nov 5, 2012
  6. John41057

    John41057 Member

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    Insurance

    Hi
    Thanks for the information, yes we are both self employed and being able to save money in these times is important.
    Thanks
    John
     

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