In the end if you work out all the math the monthly cost comes to within a few dollars of each other for the DAL standard and the TRS(your mileage may vary based on your family makeup). The big difference comes in the deductibles and cost share. DAL Pilot plan is WAY more expensive than TRS for almost the same benefits. Big difference between the DAL standard and TRS while they cost the same monthly is that DAL is a $1500 deductible with an 80/20 cost share, and TRS is a $300 deductible and an 85/15 cost share. Also there are some significant differences for pharmacy/med costs, but this may not be a factor for you.
As a military reservist
I went with:
TRS for Med
DAL for Dental/Vision
SGLI/SGLI family for all my life insurance
Est cost breakdown:
TRS $253/mo for family - $300 ded - 85/15 cost share - set 3 tier prescription copay of $9/12/22
DAL Standard $191/mo for family - $1500 ded - 80/20 cost share - 4 tier prescription based on 25% of med cost minim of $50
Foggy memory on this plan:
DAL Pilot $450/mo for family - $350 ded - 90/10 cost share - slightly better prescription than Standard but not as cheap as TRS
Last edited by Split S; 10-06-2007 at 11:13 AM.
Reason: DustoffVT - you are right it's $253