TRICARE for life is a comprehensive health insurance plan offered by the government to retired and active duty military personnel and their families. In addition to the regular health benefits provided by TRICARE, it also includes long term care, accidental death benefits, supplemental health insurance and prescription drug plans. A military member has several options in selecting the type of plan that best suits his needs.
The coverage options available to military members are determined based on their service branch. TRICARE for life is a complete plan that covers a wide range of medical services and other health care benefits, allowing for a comprehensive health care plan for those who serve in the military.
TRICARE for life is designed to provide the same health benefits and features to military members and former military personnel as is provided to civilian beneficiaries. TRICARE can be purchased either by purchasing individual policies or group policies through an independent health maintenance organization (HMO). In addition, TRICARE for life also offers the benefit of supplemental insurance and accident benefits. While all of these features are standard and similar to those offered by private health insurers, TRICARE policies have added benefits to meet the unique needs of military members and their families.
TRICARE is not the only provider of health plans for military personnel. For military families, there are many health insurance companies available to choose from. However, in general, most military health plans tend to be more expensive than private plans.
In determining the type of TRICare plan that will best meet the military family's needs, several factors should be taken into consideration. The first thing to consider is the cost of the monthly premiums. Most health plans will have varying premiums based on a number of factors, including the service branch of the military member, the member's age, the length of time the member serves, and any pre-existing medical conditions that the member may have. Most insurance providers will also offer a deductible which a military member will need to pay before the insurance company will pay for treatment if they become ill.
If the military member is not currently covered under a military medical plan, or if their current plan is no longer being accepted, the family may qualify for a TRICare supplemental plan. that will cover pre-existing medical services such as vision care, dental care and prescription drugs. These plans are not usually required by law, but can save the family thousands of dollars per year.
Military members who are not eligible for the TRICare plan may choose accidental death benefits plan. An accidental death benefit is similar to that provided by traditional health insurance plans, except that a family will receive a check from the military member's death benefits account after a member's death. Tricare also provides accidental death benefits for children, spouse and dependent children. The family of a deceased member may also receive benefits from the Tricare for life policy.
Many families elect to purchase additional insurance from TRICare for life if they have dependent children. Dependent children may require hospitalization, which may be provided by a military facility. The family's health insurance provider may pay for these costs. Additional coverage may also include rehabilitation, therapy and continuing education credits.
Once a family has completed the process of finding a TRICare for Life plan, it will need to apply for an insurance card. The application process is similar to that of purchasing a new policy. After completing the application process, the family will need to submit documents that detail their family medical history, including information about each member's current health status. as well as a list of prescriptions they have filled for themselves and their family. If the family member's health history . . . . . . shows that they are susceptible to certain health conditions, they may have to pay higher premiums than others in order to ensure that they are covered.
TRICare for Life is designed to help military members who have a number of dependents. When a family has multiple children, the family may be able to combine all of the family policies under one plan. to save money. This way, a family will not have to worry about providing individual health insurance policies for each child.
As a member of the military, it is important to understand the options that are available to them. TRICare for Life offers many benefits that provide peace of mind for those who serve. while they are serving. A person who is eligible to enroll in TRICare for life is entitled to the same benefits that are available to civilians with respect to a variety of health and wellness issues.