Thursday, November 12, 2009

In the military does your family get full coverage in medical and dental?

Which country? What Rank? Reserve or Active or Retired?

In the military does your family get full coverage in medical and dental?
Yes, but only at military hospitals. This being the United States of America.
Reply:The family gets full medical based on their location. There is diferant levels of coverage based on how close to a military base or post they live. The closer, the better the coverage. Dental comes with a small price tag. I think we pay $20-30, maybe less for dental coverage. All in all, the very best insurance a family can get.
Reply:Navy Retired CPO 1977-It was this last year 2007 that the navy refused to pay one of my drug claims. Wow a 50 year run with an organization. I have to thank God every day for the Navy.
Reply:dont you have to be enrolled in DEERS? then yes i think
Reply:If you are talking about the US and you are talking about active duty than yes. If you are reserve or national guard unelss active guard or activated for deployment you will not. The coverage is very good in my experience. If you want more comprehensive info then you need to clarify if this is active duty and what country. Good luck
Reply:no. Dental requires a monthly fee and a co pay most procedures have a cost share of up to 80%. Most are around 20-50%, Braces have a lifetime ceiling of $1500 per person that dental will pay out. . for Medical, depending on which program you enroll in. Tricare Prime there are no co pays or cost shares unless you get your prescriptions at regular drugstores and not military pharmacies. With Tricare Standard there are co pays and cost shares. but you have more freedom to choose your doctors.
Reply:If you are active duty and within an area where you can register for tricare prime and only go see your primary care manager, than yes. You also have to see your PCM before you see any specialists because if they don't refer you out, tricare won't pay. Dental you have to pay a monthly deductible that can be taken out of your base pay. That covers 1 set of x-rays and 2 cleanings per year. Everything else you pay a percentage based on rank. My husband is an e-5 and our last dental adventure cost us almost $1000. For prescriptions, if you go to a civilian pharmacy, you will pay $3, $9 or $27 depending upon the medicine and if they have a generic available or not. However, with dental if you need to have work done and you are close to a MTF (military treatment facility) and can get your regular dentist to write a referral, sometimes you can to the MTF and have them do the work for free. I have a friend who just got her wisdom teeth pulled with sedation and didn't pay a dime. If you don't want to go to the MTF for whatever they are trying to send you there for, you can get out of it as long as you are not the active duty family member, you just have to be super clever about it.





It doesn't matter if you have a military or civilian PCM, you just have to go to them first for everything. You can self refer out for your "yearly" female exam, but if you need a follow up (per gyno request) you have to get a referral, so I always go to my PCM first. It is just easier.





If you are outside of an area where tricare prime is available, you will have to do tricare standard and thus pay a deductible for everything.


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