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Old 01-04-2013, 11:40 AM   #1
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Retired Veterans Medical

Both my wife and I are retired Navy and we both now have Tricare Prime for our medical. We are beginning our full time RVing this March and would to like to know what other fulltimers are using for medical coverage. We really don't want to return to our "homebase" every six months or so and that means that Tricare Prime doesn't really work for us. What about Tricare Standard? What about Tricare Dental? Supplementals? Any input would be great.

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Chuck n Terri
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Old 01-04-2013, 11:57 AM   #2
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I have TC Prime also, I think there is a travel statement for coverage when out of your area. Standard can be used without a referal, you should call your TC rep to make sure.
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Old 01-04-2013, 12:05 PM   #3
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I'm retired military and we use Tricare for Life. You don't have to return to your home base, just register with Tricare for the region you're in as needed as you travel.
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Old 01-04-2013, 12:10 PM   #4
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I am a retired Federal Employee with BC/BS Federal BASIC as primary with TRICARE Standard as secondary.

BASIC requires that I seek coverage with a provider that accepts BC/BS (most all do) and I have found if they accept BC/BS they also accept TRICARE Standard (not limited to MTFs - Military Treatment Facilities) as secondary.

I found it nearly impossible to find a provider that accepts PRIME except around military bases.

TRICARE Standard as primary coverage is not all that bad as you can use just about any provider and your out of pocket (20%) is limited to the catastrophic cap which is way lower than most premiums would cost for standard insurance.

TRICARE for LIFE will not be available until age 65. Then, MEDICARE is primary and TRICARE for LIFE pays the copay as secondary insurance.
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Old 01-04-2013, 12:13 PM   #5
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Lindy TC for Life is starts at 65 correct, and you need to apply for TCFL when you apply for medicare prior to 65.
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Old 01-04-2013, 12:14 PM   #6
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Herk you beat me to it, send me some prop wash and flight line.
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Old 01-04-2013, 12:49 PM   #7
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Quote:
Originally Posted by cantho View Post
Herk you beat me to it, send me some prop wash and flight line.
The prop pitch is on the way...
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Old 01-04-2013, 03:47 PM   #8
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We are not 65 yet, so we use Tricare Standard, with MOAA (Mediplus) as the supplement and Delta Dental. Works great for us.

Enjoy your travels.
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Old 01-04-2013, 05:50 PM   #9
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Tricare Prime is basicallly an HMO, while Tricare Standard is basically a PPO. Never had problems using Standard....as long as the Dr was a Tricare provider.
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Old 01-04-2013, 08:30 PM   #10
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I work in the business office of an Air Force MTF. I asked the question to one of my folks that work in the TriCare office. They recommended stopping by local MTF to discuss your options. But, she did say Standard will be your best option but you need to be aware of the copays / cost shares associated with it. The retiree dental will follow you. I don't have any information on supplemental health care. Hope this helps. If I come across anything else, I'll post it here.
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