Connect and get the inside scoop on Airline Companies

Welcome to Airline Pilot Forums - Connect and get the inside scoop on Airline Companies

If this is your first visit, be sure to check out the FAQ. Join our community today and start interacting with existing members. Registration is fast, simple and absolutely free.


User Tag List

Post Reply
 
Thread Tools Search this Thread Display Modes
Old 01-08-2018, 09:31 AM   #1  
Line Holder
Thread Starter
 
Joined APC: Mar 2015
Posts: 27
Default Health and dental insurance military retirees

Hello,

I have an insurance question that isnít answered in the other two threads.

For all those retired military people already at Southwest, what is the best strategy for health and dental insurance? Southwest Regular plan with Tricare Retired as a backup or something else?

I start at the end of the month and any info you can provide would be awesome.

Thanks
Profane Kahuna is offline  
Old 01-08-2018, 05:28 PM   #2  
Gets Weekends Off
 
Joined APC: Dec 2015
Posts: 119
Default

Regular plan with Tricare secondary. Regular plan has a lot of caveats, but when Tricare is used as a secondary they pick up everything your primary insurance doesn't. With the two together, you'll pretty much have zero medical costs.
RckyMtHigh is online now  
Old 01-09-2018, 01:11 AM   #3  
Gets Weekends Off
 
at6d's Avatar
 
Joined APC: Mar 2015
Position: Noob on the bottom
Posts: 1,173
Default

FWIW, I just flew a trip with a retired AF guy, he has been on the Regular Plan with Tricare as backup for many years. His only regret is not doing it sooner. Iíve flown with many just like him.

Iím a civ guy that just switched over to the RP, first paycheck of the year and I already saved a premium payment. Iíve tried hard to find ďthe catch,Ē but just couldnít....
at6d is offline  
Old 01-09-2018, 06:12 AM   #4  
Line Holder
Thread Starter
 
Joined APC: Mar 2015
Posts: 27
Default

Thanks for the responses so far.

Should have highlighted this more in the original post.... what about Tricare Retired Dental? Worth having as a backup or not worth the hassle?
Profane Kahuna is offline  
Old 01-09-2018, 09:48 AM   #5  
More Cowbell!!!
 
Joined APC: Nov 2011
Position: Spreading the LUV from the "Write" seat!!!
Posts: 167
Default

Quote:
Originally Posted by Profane Kahuna View Post
Thanks for the responses so far.

Should have highlighted this more in the original post.... what about Tricare Retired Dental? Worth having as a backup or not worth the hassle?
Donít waste your money on the Tricare dental. Youíll get free dental with the regular plan. I believe each individual is limited to $1000 per year for cleanings, fillings, crowns, etc... so that could add up if they have some unexpected issues.
Tenacvols is offline  
Old 01-09-2018, 11:49 AM   #6  
Gets Weekends Off
 
Joined APC: Apr 2013
Position: TACAMO
Posts: 1,593
Default

The only time you should ever get tricare Dental is if you or your family are having major, long term work done that either isnít covered by the SWA plan (for example, a bunch of crowns that have been previously done and therefore arenít covered) or if you have a kid(s) in braces to get a double braces payment. You are required to keep it for 12 months after you sign up, and it isnít cheap.
Regular plan Dental isnít great, but it is pretty good and well worth the extra money in your pocket.
e6bpilot is online now  
Old 01-09-2018, 11:54 AM   #7  
Gets Weekends Off
 
Joined APC: Apr 2013
Position: TACAMO
Posts: 1,593
Default

I just switched from prime/no swa medical to regular/tricare retiree select (formerly standard) and so far it has been great. We have already had some major medical issues with kids this year and just being able to call any doctor without asking your PCM ďmother may IĒ is worth a lot. Working with two insurances can be tricky, but most doctors offices are smart on it.
Tricare is always secondary by law, but it generally pays up to what it would have paid if it were primary which means you end up not paying a whole lot.
e6bpilot is online now  
Old 01-10-2018, 09:40 AM   #8  
New Hire
 
Joined APC: Sep 2011
Posts: 2
Default

If you're happy with Tricare Prime, keep it and don't sign up for SWA medical. SWA will pay you $50/month to not use their medical. That just about pays for Prime (me and spouse). My PCM is at an AFB and it's easy to get appts and free drugs. That will give you time to ask others and, if at some point you want to change, you can change the following January.

If you're not happy with Prime or are moving away, or live away, from military medical care you might be better off with SWA medical (Tricare standard as secondary payer).

I've been Tricare Prime, with no SWA medical, since I retired 17 yrs ago.

PS - Say yes to SWA dental and vision (if you need that). Much cheaper than other options I've seen.
a1flyer is offline  
Old 01-11-2018, 04:41 PM   #9  
Line Holder
Thread Starter
 
Joined APC: Mar 2015
Posts: 27
Default

Thank you everyone for the responses.

Quote:
Originally Posted by a1flyer View Post
If you're happy with Tricare Prime, keep it and don't sign up for SWA medical. SWA will pay you $50/month to not use their medical. That just about pays for Prime (me and spouse). My PCM is at an AFB and it's easy to get appts and free drugs. That will give you time to ask others and, if at some point you want to change, you can change the following January.

If you're not happy with Prime or are moving away, or live away, from military medical care you might be better off with SWA medical (Tricare standard as secondary payer).

I've been Tricare Prime, with no SWA medical, since I retired 17 yrs ago.

PS - Say yes to SWA dental and vision (if you need that). Much cheaper than other options I've seen.
.....and thanks for this one too.

My main problem is they are changing many things with Tricare, many of the changes havenít been fully fleshed out yet (admission from tricare experts at my local hospital), and I am retiring right when those changes go into effect. So I might get stuck with multiple enrollment fees for tricare and tricare dental (or not depending on which tricare person I talk to) and no matter what I will be the guinea pig as one of the first to retire under the changes.

Which prompted lots of questions from the wife... and which prompted my post.

Again, many thanks to those that responded and those who contacted me.
Profane Kahuna is offline  
Old 01-11-2018, 05:05 PM   #10  
New Hire
 
Joined APC: Aug 2016
Posts: 3
Default Regular Plan!

We went with Regular Plan and Tricare Standard (now Tricare Retiree Select as of 1 Jan). Dental and Vision through SWA at minimal cost. My wife's $200K plus cancer bills last year cost us ZERO dollars.
SLCFlyer is offline  
 
 
 

 
Post Reply
 



Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes


Related Topics
Thread Thread Starter Forum Replies Last Post
Talk to me about health insurance btodd77 Southwest 74 11-15-2017 12:26 PM
2017 UPS Hiring FTFF UPS 970 10-03-2017 06:37 PM
Military to UPS fightandflight UPS 4 07-29-2017 05:49 AM
FDX Seniority adjustment Albief15 Cargo 69 07-03-2015 09:59 AM
great article on healthcare ryan1234 Money Talk 11 11-01-2009 08:17 PM


All times are GMT -8. The time now is 04:58 PM.