I start at Delta soon and will need to make a decision about health insurance. Have any military retirees compared Delta's health insurance to Tricare? I have info on Tricare but not on Delta's plan yet.

 

$460 a year for Tricare Prime for the whole family is hard to beat. No pre-existing condition clause too. All these years we *****ed about Tricare and now we realize what a good deal it is compared to civilian plans. Munch munch, the sound of me eating crow....

 

I'm happy with the Prime coverage we have now. The cost for dental looks a bit steep for a retiree family however, $140/month. I have to decide whether or not to sign up for Prime by December 20th to have the coverage continue or let it drop to Standard/Extra.

 

How about Delta's plan compaired to Tricare Reserve, the new program for SELRES?

 

Tricare...

 

***??? I just got out of the navy went directly into selres, and this is the first I am hearing of this....and I went round and round with Tricare about my newborn because there was a chance he could have been born after I got out which would have left us high and dry for health care, not once did anyone mention this program...

looks like a pretty good program, $250 or so a month for family coverage, 300 annual deductable before copays begin...$1000 cap on yearly expenses not incl premiums of course.

 

Also just got off active duty navy, now selres, and doing the TRS. We still live close to base and can use the emergency room, pharmacy(no cost) and several other clinics on base(all no cost).
Plus I was too lazy to read the new Delta Health care plans.

 

FWIW my wife and I compared plans and chose Tricare Reserve select for medical and Delta for the dental. Concordia is way over priced. Tricare Res Sel is $253 per month for the whole family - $300 deduct.

 

In some ways I agree with you guys, but there is a catch with tricare. Look at where you live, or intend to live. Tricare is Wonderful, if you live in an area where there are providers. If you intend to live in an area with a strong military presence than I would go with tricare. We just moved to Gainesville, FL so Dash 2 can work on a PHD. Tricare providers here are few and far between. This can lead to big issues with the choices and quality of care. Delta's plan is not cheap. It is really not that far of Tricare ~ 450 for me and wife. I think about 500 ish for some kids. Gold option is the way to go.

Delta's providers are good quality and the RX stuff is no hassle. My wife takes a VERY expensive RX every month and the health plan was EASIER than tricare ever was.

All I am trying to say is you should take a real good look at the provider list before passing on the Delta plans. Good luck.

Slinky

 

Does anyone have experience with Delta's HSA? That with Tricare seems very appealing.