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View Full Version : New Hire Benefits Enrollment


TankerDriver
10-26-2018, 02:35 PM
I've been reviewing the benefits guide prior to my indoc class.

Does anyone have advice, do's and/or don'ts? I have access to Tricare Reserve Select/Tricare Dental, which is probably what I'll use over the BCBS.


PRS Guitars
10-26-2018, 07:00 PM
I've been reviewing the benefits guide prior to my indoc class.

Does anyone have advice, do's and/or don'ts? I have access to Tricare Reserve Select/Tricare Dental, which is probably what I'll use over the BCBS.

Definitely TRS medical. I do use AA for vision and dental though, I think theyíre marginally better, though I havenít really compared them in a while.

Rawhide16
10-27-2018, 06:42 AM
Definitely TRS medical. I do use AA for vision and dental though, I think theyíre marginally better, though I havenít really compared them in a while.

I do the same as PRS except the vision. TRS allows one free eye exam per year (or two?) and no one in our family needs glasses so I stick with TRS for medical/vision and AA dental. AA dental is about a third of the premiums with similar coverages.


TankerDriver
10-27-2018, 06:45 AM
Awesome, thanks.

isuguy
05-28-2019, 12:57 PM
Anybody do the ďvoluntary term life insuranceĒ on top of the 70k they give us? Seems like a good price, but wonder what Iím missing. Covers military flying as well it sounded like according to the benefits service center person.

Covfefe
05-28-2019, 01:06 PM
Definitely TRS medical. I do use AA for vision and dental though, I think theyíre marginally better, though I havenít really compared them in a while.

^^this seems to be the consensus.

isuguy
05-28-2019, 01:33 PM
^^this seems to be the consensus.

Yeah Iím good on all that, just wondering about the extra life insurance option to buy. Itís a lot cheaper than other term life policies out there it seems like and I havenít seen much in people talking about that part of the bennies.

PRS Guitars
05-28-2019, 04:23 PM
Yeah Iím good on all that, just wondering about the extra life insurance option to buy. Itís a lot cheaper than other term life policies out there it seems like and I havenít seen much in people talking about that part of the bennies.

Your post made me check. Yes I have it, itís $200k for $24 a month. Thatís expensive compared to my other policies. I just got a quote for about $76 a month IIRC, on $1m for 15 years. My existing policies are cheaper than that. Iím 45...if you are military look into AAFMA, they offer up to $850k and donít ding you for military flying.

Andrew_VT
05-29-2019, 05:41 AM
The extra life insurance option during open enrollment periods only makes sense if you have something bad in your health history.

My AIG Direct term life policy is way cheaper/better than that ($750k for $15/mo 10yr) but a nurse had to come to my house for a quick physical and my medical history is fine.