Originally Posted by
full of luv
If you use the Delta sup, you should at least check out the MOAA supp (you don't even have to join moaa to use it) but their supp insurance was cheaper and they have access to tricares claims process so you don't have to file any claims, they automatically see what Tricare paid and pay you the copay back or pay the doc directly.
^^^^^ This ^^^^^
I retired from the Navy in 2006, took Tricare Standard and bought a supplement from MOAA. Wife and 2 teenagers. Relatively healthy, no special problems just routine stuff, until the wife had an ER visit and a week in the hospital 4 years ago. I pay $0 for standard and about $75/mo for MOAA which comes directly from the retired pay as an allotment. The MOAA premium will adjust down when the last kid drops off next year.
I have yet to have to fill out a claim form in 10 years (MOAA does it all).
My out of pocket, after premiums is less than $400 in 10 years. I pray that the trend continues.
If you have a family member with a chronic condition or special needs, your situation may call for a different option. But the lack of a PCM is worth the extra cost exposure of standard to me. Standard will actually pay better than prime, if you are an in-patient, and my personal experience bears that out.
YMMV
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