Originally Posted by demon llama

Both times? Ouch! Are you a professional motocross racer on the weekends?

Originally Posted by FangsF15

Tricare is phenomenal. Relatively small “enrollment fee” annually (set up as allotment from retired pay) of $28.75/mo ($345 for the year), then acts as coinsurance until the deductible is met. After that it’s just $40 per visit copay. I have never, ever had Humana deny a service, and I’m in the millions of billed services. No joke. It’s literally thousands, many thousands, cheaper than any Delta plan. If you do have overlap with bronze, Tricare will become the secondary until you have no other insurance. Also, once you are Medicare eligible, Tricare effectively becomes a Medicare supplement, and your annual out of pocket is almost nothing other than the enrollment fee.

I also am on Tricare Select (formerly Standard, formerly Champus). There is only one Delta Supplement option, and it’s administered by Selman Co. After you meet the Tricare deductible, the supplement also has a separate deductible before it starts to pay. (I think) it is a $150 individual deductible/$300 family for Selman. They will then pickup anything Tricare does not. If Tricare pays, Selman pays. It’s simple, and almost foolproof (as long as your doctor remembers to bill both), but at almost $1600 annually (plus the deductible), you’ll likely pay almost $2000 out of pocket before Selman starts paying anything. I’ve done it for at least 5 years, and have yet to recoup my initial premiums/deductible. For the vast majority, I think there are few circumstances where it makes sense. Especially since the catastrophic cap for Tricare is about $4,000, you will never pay more than that annually out of pocket. I’m not sure any delta plan’s premiums are even that low, much less the deductibles.

That said, there are other Tricare supplemental plans, MOAA, TROA, ROA, etc. I’d bet they act similarly, but the premiums are less, meaning it may tip the scales. DYODD.

If you are Tricare eligible for all of 2024, I would recommend not selecting any medical plan at all through Delta, except the supplement if you wish. I would 100% select DPMP dental, at $8/month (administered by the other “Delta”, Delta Dental) crazy good deal. I think the Vision is a good plan also, and use Delta’s plan for my wife and I (empty nesters). The benefits are solid, including a free pair of specs annually, if I remember right. Also a contact allowance.

Let me know if that doesn’t answer any questions. Glad to offer what I can.

Originally Posted by Hotel Kilo

My brother who retired can't say enough good things about TRICARE comparatively to other insurance. I'm glad you guys and gals that served get that benefit, I'm not happy you haave to pay for it though. If you put in your time to retirement serving our country, that should be taken care of, oh well spilt milk now. My chief concern going into retirement is a Med care supplemental. I'm not going to use any of Delta's stuff (I don't think I can other than DPMP) rather I'm shopping now for other insurance. I won't begin to tell you what a nightmare that is. Thanks for your service Fangs.

Originally Posted by Gunfighter

After a quick comparison of premiums, coverage, copays, plan administrators, etc, the Delta Pilot plans look identical to the company plans. Is there any meaningful difference between Gold HSA and the Delta Pilots High Deductible Health Plan? What about the Copay Option vs the DPMP?

Originally Posted by CX500T

One of the bigger things with DPMP (non HSA) vs HSA is there is only one out of pocket deductible/max.

Non DPMP (not sure on HD-DPMP) you have two separate in and out of network deductible pools.

Originally Posted by Nordic

Hey everyone,

I'm awaiting a class date currently and I'm trying to get some legitimate information on the Progeny IVF Program offered under the companies health insurance plan. Everyone involved with the program or the company can't give me any information as I don't yet have an employee ID number. I'm looking for specific coverage numbers so if any of you have used the program I'd sure appreciate anything you're willing to pass along.

Thanks

Originally Posted by Nordic

Hey everyone,

I'm awaiting a class date currently and I'm trying to get some legitimate information on the Progeny IVF Program offered under the companies health insurance plan. Everyone involved with the program or the company can't give me any information as I don't yet have an employee ID number. I'm looking for specific coverage numbers so if any of you have used the program I'd sure appreciate anything you're willing to pass along.

Thanks