Base Plan vs Buy Up Medical Options
10-25-2007, 10:03 AM
#31
Gets Weekends Off
Joined APC: Nov 2006
Position: 767 FO
Posts: 8,047
From the Tricare South Website:
If you have your prescription filled at a non-network pharmacy or if you have other health insurance with a prescription drug plan, you will need to submit a claim to the pharmacy contractor for reimbursement.
I think Uncle Sam make you work for that copay.
If you have your prescription filled at a non-network pharmacy or if you have other health insurance with a prescription drug plan, you will need to submit a claim to the pharmacy contractor for reimbursement.
I think Uncle Sam make you work for that copay.
10-25-2007, 10:48 AM
#32
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Joined APC: Sep 2006
Position: Retired
Posts: 3,717
Originally Posted by DLax85
My research has shown the Tricare Standard Pharmancy co-pay to be lower then the CIGNA co-pay, so that's what we have been using.
My wife simply tells the pharmacist we have both CIGNA and TRICARE Standard and asks which is the cheaper co-pay.....for the past year it's always been TRICARE.
Now JJ, are you saying I should actually be using my CIGNA benefits and then somehow submitting that expense to TRICARE to reimburse me, effectively giving me zero out of pocket cost?
Do I have to submit the paperwork myself...or can the pharmacist file it with both like my doctor does?
I've been using TRICARE Std to cover all of my CIGNA doctor office/emergency room/surgery copays but not for perscriptions.
Thanks.
My wife simply tells the pharmacist we have both CIGNA and TRICARE Standard and asks which is the cheaper co-pay.....for the past year it's always been TRICARE.
Now JJ, are you saying I should actually be using my CIGNA benefits and then somehow submitting that expense to TRICARE to reimburse me, effectively giving me zero out of pocket cost?
Do I have to submit the paperwork myself...or can the pharmacist file it with both like my doctor does?
I've been using TRICARE Std to cover all of my CIGNA doctor office/emergency room/surgery copays but not for perscriptions.
Thanks.
10-26-2007, 06:55 AM
#33
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Joined APC: Jul 2007
Position: Gear Monkey
Posts: 3,191
Originally Posted by Jetjok
Yes, I'm saying that if you buy prescription drugs at your local pharmacy, use the FedEx insurance as your primary. Then (we do it) about once a quarter, we ask the pharmacy to give us a printout of the prescription drugs we purchased during that quarter, and then, using the TriCare forms, submit the entire list to TriCare for reimbursement, thereby effectively giving us a zero out of pocket cost. As nothing is free, it does take a few hours a quarter to do all the paperwork involved, but it's time well spent.
I especially like the quarterly idea --- makes the paperwork less painful.
Luckily, we've only had to fill 2 or 3 very minor/low cost prescriptions over the past few years.
I guess this would be a much bigger benefit for those families who have medical issues requiring continuous or very expensive prescriptions.
10-26-2007, 10:53 AM
#36
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Joined APC: Jan 2006
Posts: 2,838
Originally Posted by Busdrivr
When I went to the EHR site and clicked on "Enrole", the only options I was given was to view my 2007 enrolement choices. It said nothing about 2008. Did anybody else have this problem?
I did it this morning and it was a breeze. When you first log on, ensure you to click on 2008 in the top right hand corner. It took me all of 2 minutes and I am computer challenged.
10-26-2007, 01:23 PM
#37
New Hire
Joined APC: Jun 2006
Posts: 4
Originally Posted by Jetjok
Yes, I'm saying that if you buy prescription drugs at your local pharmacy, use the FedEx insurance as your primary. Then (we do it) about once a quarter, we ask the pharmacy to give us a printout of the prescription drugs we purchased during that quarter, and then, using the TriCare forms, submit the entire list to TriCare for reimbursement, thereby effectively giving us a zero out of pocket cost. As nothing is free, it does take a few hours a quarter to do all the paperwork involved, but it's time well spent.
10-26-2007, 04:47 PM
#39
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Joined APC: Aug 2006
Position: Michael Vick's favorite animal
Posts: 267
Flexible spending accounts
Does anybody know how these monies will be managed? Let's say I put $2,000 in for the medical expenses and $2,000 in for childcare expenses. How do you allocate those monies to the vendors??
Thanks!
Thanks!
10-26-2007, 05:18 PM
#40
Gets Weekends Off
Joined APC: Jul 2006
Position: 767 Cap
Posts: 1,306
Originally Posted by MAWK90
Does anybody know how these monies will be managed? Let's say I put $2,000 in for the medical expenses and $2,000 in for childcare expenses. How do you allocate those monies to the vendors??
Thanks!
Thanks!
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