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Old 04-01-2016, 08:18 PM   #7  
Gets Weekends Off
Joined APC: Sep 2007
Posts: 343

Great old synopsis! I defer the fedex plan and rely solely on Tricare Standard. There are no annual premiums. As you pointed out a $300 family deductible after which they pay 75% and in network 80%, with a catastrophic cap out of pocket of $3k. In the buy up plan one will pay $225x 12months=$2700 before any treatment. Then copays and deductibles as described. A stand alone Tricare plan saves the monthly premium costs, and one assumes the risk of the co-pay, up to $3k then the cap protects from downside risk from there. Only shortfall is if in your geographic area, your providers don't accept Tricare.
olly is offline