Veterans’ Administration (VA) Medical Benefits

Veterans Administration Medical Benefits

Applying for Medical Benefits

One of the most important things to do before leaving the military is to apply for your veteran’s medical benefits. This is to ensure that there is no lapse in your medical coverage when you transition from active duty to civilian life. Once you enroll in VA healthcare, your benefits are accssible anywhere within the Va health system.

Veterans can apply for health benefits in person at their local VA, by phone Monday-Friday from 8-8, by calling 1-877-222-VETS (8387), or online.

Determining Your Eligibility and Benefit Level

Two things will determine your initial eligibility for medical benefits:

1. You were active duty in a Military, Air, or Naval service, and you were honorably discharged.

Or

2. You were in the Reserves or National Guard, and were called to active duty by Executive order. This excludes regular Reserve or Guard training, and you must have fulfilled your full call-up term.

The level of eligibility and coverage also depends on the circumstances of your military separation.

Regular Active Duty Military Discharge

Before You Leave the Military

Here are a few things you should do before you leave the military. They will help make the transition process easier.

1. Gather your financial records so you can take advantage of any special programs you are eligible to enroll in.

2. Get copies of all of your medical records. This will save the hassle of having to fill out request for information forms when you move to your new location.

3. Apply for your Tricare package and any VA health benefits you qualify for to avoid lapses in coverage.

Most veterans fall into two designations:

Priority level 5: Veterans or retirees who have 0% service-related injuries, and either qualify for medicaid, or who’s income is below the VA means threshold.

*Priority level 5 veterans must verify their income annually to qualify for free care or to qualify for lower deductibles and co-pays.

Priority level 7- Veterans who have 0% service-related injuries, and who’s income is above the means test, but below the VA national or regional threshold, and who agree to pay co-pays. The income threshold varies by state, county, and family size. The table for your state and county is available online.

All other priority levels are automatically enrolled, except for level 8, which must gain a waiver to apply.

Applying for Benefits- Your Options

The VA has streamlined the process for VA health benefits for those leaving active duty. Active duty military who are separating from the military no longer have to apply in person or supply documentation to verify their status. the form is available online, and after filling it out and sending, all information is verified by the VA. You will receive a notice of coverage by mail.

Former active duty veterans are also eligible to enroll in Tricare under various plans, according to their situation.

Military Retirement

Members of the military who have reached retirement age qualify for Tricare as military retirees. They may also be eligible for some VA health benefits dependent on financial status. The cap for VA retirement eligibility is $80,000 per year after deductions and exemptions.

Special Eligibility

Returning Service Members
Combat veterans who are designated OEF/OIF/OND are eligible for free health benefits related to combat in Iraq or Afghanistan for 5 years after their discharge from the service. OEF/OIF/OND veterans must enroll in VA health care to receive this benefit.

Medical Retirement

Service members who are medically retired due to a service-related injury may apply for VA health benefits, dependent on the military and medical rating. They must submit a health care benefits application to the VA, and will receive treatment for their condition at the VA.

In order for the injury or disability to be considered service-related it must meet the following criteria:
1. The injury or disability must affect the veteran’s ability to function in everyday life.

2. It must have been the result of, or was worsened by, an injury or disease which developed while the veteran was on active duty, in training while on active duty, or on inactive duty for the purpose of training.

Some specific service or combat-related injuries are:

  • POWs who develop any symptoms of anxiety or nervousness, heart disease, osteoarthritis, or stroke, regardless of the length of time they were held.
  • The development of ALS at anytime during or after active duty service.
  • exposure to Agent Orange or other harmful chemical agents.
  • Gulf War veterans with chronic conditions which developed after their service there.

Benefit Calculator

Your financial situation may affect your eligibility. In order to determine your level of coverage, you must fill out a financial disclosure form. This form asks for basic financial information, including number of dependents; your income, both earned and unearned; medical and education expenses; and savings.

Common Errors to Avoid

The VA has done their best to make the process of enrollment as easy as possible, but there are still some things that you can do to avoid unnecessary delays.

  • Don’t wait until the last minute to enroll.
  • Have all necessary documentation, such as finan.cial records, on hand
  • Fill out all forms completely and accurately, and double check them before turning them in.
  • If you have any questions, don’t guess. Ask your VA representative about anything you are unclear of..
  • If there is a procedural problem, take the necessary steps to remedy it as soon as possible.
  • It is important to note that VA health does not cover everything. If you have Tricare, or other private insurance coverage, keep it to supplement your VA health care coverage.

A Final Note to Veterans

Beginning in February, 2012, the VA sent out detailed personal VA medical benefits handbooks to all eligible veterans. These handbooks are case-specific, and are sent based on priority groupings, beginning with Priority Group 1. There are 8 priority groups in all.

There is an online version available where veterans can access their most current benefit information from anywhere, 24/7.

If you have any questions about your priority group designation and other VA health questions, or you have not received your handbook as scheduled, please contact the VA at 1 877-222-VETS.

TRICARE Supplemental Insurance for Military Retirees

Retired service members of the uniformed services and their family members (spouses and children) are eligible for TRICARE.  The uniformed services include the:

U.S. Army
U.S. Air Force
U.S. Navy
U.S. Marine Corps
U.S. Coast Guard

Retired service members and their family members are eligible for the following options:

  • TRICARE Prime (enrollment fees apply)

  • TRICARE Standard and Extra

  • US Family Health Plan (in specific U.S. locations)

  • TRICARE For Life (with Medicare Part A & B coverage)

  • TRICARE Standard Overseas

  • TRICARE Retiree Dental Program

Tricare StandardMilitary Retirees (retiring from Active Duty) and their families have another option for their health care – TRICARE Supplemental Insurance.  Several different private medical insurance companies offer supplemental insurance coverage that will pick up the remaining 20% of your health care costs that TRICARE Standard does not cover.  What does that mean to you?  For a trip to the doctor TRICARE Standard would cover 80% of that doctor’s fees and your supplemental insurance would pick up the remaining 20% – that covers all of your expenses.  The only out of pocket expenses are your deductibles each fiscal year (starting October 1st each year).  The deductible is $150 per person or $300 per family.  Once you reach those deductibles, you will incur no further costs and your supplemental insurance covers the rest.

By law, TRICARE pays claims only after all other health insurances pay. Your coordination of benefits between other health insurance and TRICARE varies depending on who you are or which plan you are using. For the most accurate information, please enter your profile now.

TRICARE Prime versus Standard for Retirees

Upon retirement, you get to choose whether you wish to say on as TRICARE Prime, or if you wish to move to TRICARE Standard.  If you decide not to enroll in TRICARE Prime when you retire, you and your family are automatically covered by TRICARE Standard and Extra.  Enrollment is not required for either option and you may seek care from any TRICARE authorized provider. When using TRICARE Standard and Extra, you manage your own health care. There are no special rules
accessing certain types of care. You’ll never require referrals, but some services may require prior authorization.

It’s also important for you to understand the type of provider you are seeing. You can visit any TRICARE authorized provider—network or
non network—but the type of provider you see determines your out of pocket costs. When you visit a non network provider, you’re using the
TRICARE Standard option, and when you visit a network provider, you’re using the TRICARE Extra option. Your cost shares are five percent
lower with TRICARE Extra and network providers will file claims on your behalf.

Your status change must be reflected in the Defense Enrollment Eligibility Reporting System (DEERS) in order for TRICARE to process the application. TRICARE will continue to check DEERS for your change of status up until the 10th day of the month in which your stated status change is effective. Once the sponsor’s status change is confirmed through DEERS, we will process the application.

If your status has not been updated by the 10th of the month as described above, your application will be returned to you.

TRICARE For Life

If using TRICARE For Life in the U.S. or a U.S. Territory, Medicare processes the claim and automatically forwards it to your other health insurance. Once your other health insurance processes the claim, you must file a paper claim with the TFL contractor. The contractor will process the claim and pay TRICARE’s portion of the claim directly to you.

If using TRICARE For Life overseas, you’ll need to follow your other health insurance plan’s rules getting care and file claims with them first.

TRICARE Standard with Supplemental Insurance
—what this means to you and your family:

  • Your family has the freedom of choice to choose any doctor (as long as that doctor accepts TRICARE)
  • No need to first see a “Primary Care Provider” – your family makes appointments with the doctor or specialist directly
  • No need to try to make an appointment at the closest “Military Treatment Facility” – in fact, families on TRICARE Standard are encouraged to seek local doctors instead
  • Spouses and children can seek after-hours care immediately, without a lengthy referral process
  • With Supplemental Insurance, you only pay either the individual deductable ($150 per fiscal year) or the family deductable ($300 per fiscal year), whichever occurs first.

 

TRICARE Dental Program

TRICARE offers a variety of Dental Programs for military service members and their families.  However, the TRICARE Dental Program varies vastly based on the sponsor’s status.  There are even different dental care providers based on the sponsor’s status.  Below is a summary of the TRICARE Dental Program options:

Active Duty Service Members

Most of your dental care is provided at military dental treatment facilities (DTFs) where you are stationed. In some cases, you may need to seek care outside of a military DTF, or you may be referred off base based on dentist availability or excessive wait time.

In the U.S. or its territories, you’ll use the TRICARE Active Duty Dental Program if you are referred to a civilian dentist or if you live in a remote area.  If you live in a remote overseas location, your dental care is coordinated by International SOS, the overseas contractor.

Active Duty Family Members

You may enroll in the TRICARE Dental Program, a voluntary, premium-based dental insurance plan administered by United Concordia Companies, Inc., (United Concordia). Active Duty Families may use the Find a Dentist option on the United Concordia website which is a handy tool that helps you to search for a network dentist by name, county, city/state, zip code or street address. You can compare dentists side by side to see their languages spoken, gender, ages treated and more, and even get driving directions to a dentist’s office.

For enrollees, the TDP covers a wide range of diagnostic, preventive and restorative services. You may seek care from a network of more than 65,000 participating dentists, or you may use non-participating dentists at an additional cost to you.  Below is a chart listing some of the services covered by United Concordia’s TRICARE Dental Program:

COVERED SERVICES
(Active Duty Family Members)
Type of Service CONUS OCONUS**
E1–E4 All Other Pay Grades All Pay Grades
Diagnostic 0% 0% 0%
Preventive* 0% 0% 0%
Emergency Services 0% 0% 0%
Sealants 20% 20% 0%
Basic Restorative 20% 20% 0%
Endodontic 30% 40% 0%
Periodontic 30% 40% 0%
Oral Surgery 30% 40% 0%
Other Restorative 50% 50% 50%
Implant Services 50% 50% 50%
Prosthodontic 50% 50% 50%
Orthodontic *** 50% 50% 50%
General Anesthesia 40% 40% 0%
Intravenous Sedation 50% 50% 0%
Consultation / Office Visit 20% 20% 0%
Post Surgical Services 20% 20% 0%
Miscellaneous Services (occlusal guard, athletic mouthguard) 50% 50% 0%

 


Tricare StandardRetired Service Members and Families

You may enroll in the TRICARE Retiree Dental Program, a voluntary, premium-based dental insurance plan administered by Delta Dental Plan of California.

National Guard/Reserve Members

Your dental coverage is based on your military status. When not on active duty orders, you may enroll in the TRICARE Dental Program, and when activated, you’re eligible for active duty dental benefits.

National Guard/Reserve Family Members

You may enroll in the TRICARE Dental Program, a voluntary, premium-based dental insurance plan administered by United Concordia Companies, Inc., (United Concordia), regardless of your sponsor’s military status.ouses and children) are eligible for TRICARE.


The Veteran’s Survival Guide

When I got my hands on “The Veteran’s Survival Guide – How to File and Collect on VA Claims” I realized at once, that this was “the gold standard” of this genre. This is truly the best and most helpful book on the subject that I have come across in my 3 decades of helping veterans. There are none better! Author John D. Roche has taken all his personal experience of having worked for the VA and for veterans in Florida and put it into readable simple and easy to follow language.

Not only does he tell you what to do, but he also gives you insights on how the VA operates and makes decisions on claims. If you have a claim to file or have one being processed right now – then you should run down and buy this book. I sincerely mean that. You cannot afford not to have a copy of this book that you can reference back to for information.


Military Loans Online Application

Military Cruise Discounts

Cruise Ship, Kona Hawaii

Cruise Ship, Kona Hawaii

Carnival Cruise Lines appreciates the commitment made by the US armed forces and is happy to extend special military discounts to members of every branch of service. Through Carnival’s Military discounts program, active US military personnel can book one Carnival Fun Ship stateroom at savings up to 50% off the published fares.

Specials rates are available for a limited time only on a wide variety of “‘Fun Ship” departures. This also applies to retired personnel and Reserves.

For additional information and reservations, contact the Carnival Discount Cruise Travel Agents, call 1-888-516-6306.

Norwegian Cruise Lines offers military discounted cruise fares.  Active, retired, reserve, honorably discharged military personnel and Department of Defense employees receive a 5-15% discount on all Norwegian cruises.

Contact Andre Grant, a Personal Cruise Consultant with Norwegian Cruise Line at 1-877-416-9722 ext. 4102 or e-mail at agrant@ncl.com

Latest Cruise and Travel Discounts

7/1 – 9/30 7 Night Bermuda Cruise on the Norwegian Star from $499.

7/1 – 8/30 9 Night Caribbean Cruise on the Norwegian Gem from $564.

7/1 – 9/30 7 Night Alaska Cruise on the Zaandam from $399.

7/1 – 10/31 7 Night W. Caribbean Cruise on the Westerdam from $549.

7/1 – 11/30 10 Night Caribbean Cruise on the Caribbean Princess from $799.

7/1 – 11/30 4 Day Mexico Cruise starting at $299

 

>>Check out the latest LAST-MINUTE CRUISE DEAL COUPONS

Military Rates for Royal Caribbean International

Royal Caribbean International owner of Royal Caribbean Cruise Line and Celebrity Cruises will offer military rates on select sailing dates throughout the year. This new rate program is available to active, eligible retired and honorably discharged personnel. The cruise line that brought surfing to cruise ships wants you to get ready for that new cruising adventure on all its ships. Call us now to get your special pricing. 1 888 516 6306.  Or you may book online on their website – make sure you check the block marked “US Military or Canadian Forces”.

Anchors Away Cruise offer Military Rates since 2002.

New Military Rates for Royal Caribbean

Royal Caribbean is rewarding all members who are serving or who have served in the US Military, with extra low prices!  This means that you?ll save big bucks on many Royal Caribbean Sailings (see restrictions at bottom of page)

Military Program Restrictions

You are purchasing a cruise vacation using a special restricted price program rate. It is important that at least one guest per stateroom be eligible to be considered in compliance with a restricted price program. It is also important to note that non-compliance of the restricted price program terms will result in the reservation being re-priced to the lowest available fare for that particular day. Furthermore, you will be responsible to pay for any differences immediately or else your boarding rights will be denied.  More information on hte official website .

To qualify for a military rate, an individual must be classified as one of the following:
Active personnel currently serving in the Canadian National Defense; United States Army, Navy, Air Force, Marines, Coast Guard, National Guard or Reserves. Proper identification in the form of a United States Uniformed Services WHITE Identification Card for U.S. military personnel, and a WHITE N.D.21 Identification Card with a Red Canadian Flag displayed for Canadian National Defense personnel, must be presented at time of check-in.

Retired from any of the divisions listed directly above. “Retired” is defined as A) enlisted personnel or officers with a minimum of 20 years of service, B) medically retired, or C) 100% disabled. Proper identification for those classified in category A, or B must be in the form of a United States Uniformed BLUE Identification Card. Proper identification for those classified in category C is a United States Uniformed TAN Identification Card. Retired Canadian National Defense personnel are eligible and must possess the same white card as described above for active personnel. All forms of identification must be presented at time of check-in.

Honorably Discharged with a minimum of 2 years of service from any of the United States service divisions listed above. Proper identification in the form of a United States Uniformed BLUE Identification Card must be presented at time of check-in.

Spouses of actively deployed, or deceased military personnel, are eligible to book one stateroom as long as the eligible spouse is occupying the stateroom. All other guests traveling in the same stateroom are also eligible for the military rate.  Spouse must present the PINK Dependent Military ID upon check-in as proof of eligibility.

All guests traveling in the same stateroom are eligible to receive the military rate. No additional staterooms, other than the one that is occupied by the military person is eligible for the military rate. Spouses, parents, in-laws, children or other family members or friends are not eligible for the military rate without the eligible military person occupying the stateroom

Rental Car Discounts ]   [ Vacation Rental Discounts ]   [ Weekly Hotel Deals ]

TRICARE Insurance

TRICARE Health Insurance

TRICARE Standard vs. Prime

Many military families are faced with the tough decision – choose TRICARE Prime insurance, where there are little to no costs to the service member, but face all the strict limitations imposed by the HMO service; or choose TRICARE Standard insurance which is much more flexible and responsive, but only covers 80% of the medical expenses.  It’s a tough choice – better care or cheaper prices?

There are definitely sound benefits to the care received with TRICARE Standard.  You never have to call the HMO for approvals for specialists; you never have to ask permission to take your kids to the doctor; you don’t need referrals from a primary health care manager; you don’t have to ever go to a military treatment facility.  In fact all you have to do is call a doctor’s office near your home and make sure they accept TRICARE insurance – then make your appointment and go!

However, there is an option that can help with this decision – TRICARE Supplemental Insurance.  Several different private medical insurance companies offer supplemental insurance coverage that will pick up the remaining 20% of your health care costs that TRICARE Standard does not cover.  What does that mean to you?  For a trip to the doctor TRICARE Standard would cover 80% of that doctor’s fees and your supplemental insurance would pick up the remaining 20% – that covers all of your expenses.  The only out of pocket expenses are your deductibles each fiscal year (starting October 1st each year).  The deductible is $150 per person or $300 per family.  Once you reach those deductibles, you will incur no further costs and your supplemental insurance covers the rest.

TRICARE Standard with Supplemental Insurance
—what this means to you and your family:

  • Your family has the freedom of choice to choose any doctor (as long as that doctor accepts TRICARE)
  • No need to first see a “Primary Care Provider” – your family makes appointments with the doctor or specialist directly
  • No need to try to make an appointment at the closest “Military Treatment Facility” – in fact, families on TRICARE Standard are encouraged to seek local doctors instead
  • Spouses and children can seek after-hours care immediately, without a lengthy referral process
  • With Supplemental Insurance, you only pay either the individual deductable ($150 per fiscal year) or the family deductable ($300 per fiscal year), whichever occurs first.

TRICARE Standard Means More Flexibility

Many military associations and private companies offer supplemental insurance policies. Before purchasing a supplement, however, TRICARE beneficiaries should carefully consider their individual and family members’ health care needs. Unlike Other Health Insurance (OHI), which pays first for health care services before TRICARE pays—supplemental insurance always pays after TRICARE pays.  After TRICARE pays its portion of the bill, supplemental insurance reimburses TRICARE beneficiaries for out-of-pocket medical expenses paid to civilian providers based on the supplemental plan coverage policies. Each supplemental insurance plan may have its own rules regarding eligibility, benefits covered, pre-existing medical conditions, cost shares and deductibles and procedures for claims processing. Cost shares for TRICARE beneficiaries may be substantial if they use TRICARE Standard or Extra. Below is a list of questions to help beneficiaries decide if they should purchase a supplemental insurance.

1. What type of health care services does the supplement cover? Will the plan cover amounts beyond what TRICARE allows?

2. Does the supplement pay for services not covered by TRICARE or limit the conditions it does cover?

3. How much is the supplement premium? How often is it paid?

4. Are there different premium rates based on military status (active or retired) or age?

5. Can premium payments be increased? Under what conditions?

6. Is there a deductible to pay before the supplement pays?

7. Is there a maximum limit on benefits (lifetime, annual, etc.)?

8. Is there a pre-existing condition clause? If so, how long is the waiting period?

9. Are there treatments that must be pre-approved before care can be received?

10. Does the supplement cover enrollment fees or copays?

11. Will the supplement pay my cost-share under the TRICARE Diagnostic Related Group system?

12. Does the TRICARE supplement convert to a Medicare supplement? If so, how long before it can convert?

13. Does the supplement cover inpatient, outpatient, long term or overseas care?

14. Does the supplement have membership fees (annual or lifetime)?

15. Will the supplement continue to cover care upon retirement from active duty?

16. Will the plan continue to provide coverage for surviving TRICARE-eligible spouses and family members?

17. What are the procedures for filing a claim? Is there a time limit to file a claim?

18. Does the plan have higher rates for smokers?

19. Does the plan cover college students who live in a different part of the country?

20. What happens if beneficiaries move to another region, does the plan move with them?

No enrollment: TRICARE Standard is the basic TRICARE health care program, offering comprehensive health care coverage, for people who choose not to be enrolled in TRICARE Prime.

Fee-for-service flexibility: Tricare Standard is a fee-for-service plan that gives beneficiaries the option to see any TRICARE-certified/authorized provider (doctor, nurse-practitioner, lab, clinic, etc.) without having to first call an HMO or get permission or a referral from your Primary Health Care Provider.  Tricare Standard offers the greatest flexibility in choosing a provider, but it will also involve greater out-of-pocket expenses for you, the patient. You also may be required to file your own claims.

Costs: Standard requires that you satisfy a yearly deductible before TRICARE cost sharing begins, and you will be required to pay co-payments or cost shares for outpatient care, medications, and inpatient care.  Purchasing supplemental insurance can offset most or even all costs.

Useful TRICARE Online Guides


The Veteran’s Survival Guide
When I got my hands on “The Veteran’s Survival Guide – How to File and Collect on VA Claims” I realized at once, that this was “the gold standard” of this genre. This is truly the best and most helpful book on the subject that I have come across.

Not only does he tell you what to do, but he also gives you insights on how the VA operates and makes decisions on claims. If you have a claim to file or have one being processed right now – then you should run down and buy this book. I sincerely mean that. You cannot afford not to have a copy of this book that you can reference back to for information.in my 3 decades of helping veterans. There are none better! Author John D. Roche has taken all his personal experience of having worked for the VA and for veterans in Florida and put it into readable simple and easy to follow language.


MOAA’s MEDIPLUS® TRICARE Supplement Program

MOAA MediplusIf you’re like many people, you’re paying too much out ofyour own pocket for medical bills—hundreds, maybe thousands of dollars each year. No doubt you have some type of health protection, but you may not have had the time to look for the best coverage at the best price. As a result, you may have mediocre coverage—and less cash in your wallet. There’s no need to worry. Over 100,000 MOAA members and their families did the research and found the perfect solution: MOAA’s MEDIPLUS TRICARE Supplement Program.
These members and their families have compared MEDIPLUS to employer-sponsored plans, HMOs and other TRICARE Supplements. They’ve shopped for lower prices, better deals and more comprehensive coverage. And—time and time again—they found nothing compares to teaming TRICARE with MEDIPLUS.

Freedom of Choice

With MEDIPLUS, you’re in control because you choose your family’s doctors and specialists. There are no “network” or “preferred provider” lists. Your family can go to any TRICARE-authorized doctor at any time. This isn’t the case with HMOs or many employer plans, where your choice of doctors is restricted. If your family doctor isn’t on their list, you’re forced to find a new one or pay more of the bill yourself.

You can use MEDIPLUS to cover yourself, your spouse and your children—even if you have different protection needs. That’s because MEDIPLUS gives you more choices than other plans:

MEDIPLUS In- and Outpatient Plan—The best plan if you want complete protection for hospital bills, doctor bills and prescription drugs. This plan has two deductible options for retirees and their families: a $300 per person [$600 per family] deductible or a $150 per person [$300 per family] deductible. The In- and Outpatient Plan for Active Duty family members has no deductible.

MEDIPLUS Inpatient Only Plan—Your ideal protection if you just want coverage for expensive hospital stays. Plus, you’ll have protection for certain outpatient surgeries. This protection is available to retirees with a $200 deductible or without a deductible.

MEDIPLUS TRICARE Prime Plan—This plan works with TRICARE Prime for retirees to virtually eliminate out-of-pocket expenses.

Plus, you don’t have to worry if your doctor charges more than TRICARE allows. In addition to the TRICARE copayments, MEDIPLUS pays your covered “excess charges” at 100% after the TRICARE and Plan deductibles are met. This means you’ll pay less out of your own pocket. MEDIPLUS will pay up to what your doctor bills—even if it’s above the reasonable and customary charges for your area.

This protection for excess charges is especially important, since excess charges are not applied to TRICARE’s annual Catastrophic Cap. Even if you meet this limit, you’ll still have to pay excess charges UNLESS YOU HAVE MEDIPLUS.

Learn more about MOAA’s MEDIPLUS Tricare Supplemental Insurance


ASI TRICARE Supplement for Retirees

Most military retirees who launch second careers get their health insurance through company or association health plans, despite the fact that they are still eligible for TRICARE, the health insurance program provided to the armed forces by the Department of Defense. As a result, employers end up paying expensive and unnecessary premiums.

Now there’s a better option for corporations, associations, school districts and municipalities that employ a significant number of military retirees. It’s an innovative supplemental insurance plan available through the Association & Society Insurance Corporation (ASI).

When you offer ASI’s supplemental insurance as a complement to the government TRICARE basic insurance, you give your military retirees the opportunity to receive benefits that are comparable, if not broader, than those available through your company health plan. The supplemental picks up where TRICARE benefits drop off, providing employees with the comprehensive coverage they need while lowering their out-of-pocket costs.

All Participants in the TRICARE Supplement are automatically enrolled into AMRA, American Military Retirees Association (a military benefit association). As an AMRA member, the insured will become a valued member with access to numerous discounts and membership benefits. This includes, but is not limited to discounts with Red Roof Inn, Choice Hotels, North American Van Lines, Full-Service Moving, AVIS Car Rental, National Vision with participating Wal-Mart Stores.

ASI is the exclusive Marketer and Administrator of the AMRA Voluntary Plan. AMRA is the plan’s sponsor. The plan is underwritten by The Hartford Life & Accident Insurance Company Under the new guidelines, the association is offering the product, not the employer. Other than inclusion in a defined cafeteria plan, the employer can not incentivize the premiums by paying for them.

This is a voluntary plan for TRICARE eligible members and their dependents. It requires membership in the American Military retirees Association for which dues of $1.00 per month are charged and will be added to the quoted monthly premium.

Go to the ASI official website


Military Benefit Association TRICARE Supplemental

The MBA TRICARE Supplement Insurance Plan provides reimbursement of eligible out-of-pocket medical expenses for insured MBA members and their families who are covered by TRICARE (Standard, Extra or Prime).

Three TRICARE Options

I. Prime

TRICARE Prime is a voluntary “HMO-type” plan that emphasizes preventive care. All active duty service members are automatically enrolled in Prime. If you choose this option, you and your family will enroll for a year at a time, and will receive your care from a network of civilian and military providers.

II. Extra

TRICARE Extra is essentially a Preferred Provider Organization (PPO). With this option, you can choose to use a network of civilian doctors and military providers and get a discount on cost sharing. There is no enrollment fee, and you may use Extra when you elect to do so.

III. Standard

This is the same as the standard TRICARE program. TRICARE Standard pays a share of the cost of covered health care services that you obtain from a non-network civilian health care provider. There is no enrollment fee in TRICARE Standard. After the TRICARE deductible has been met, the TRICARE Standard will Cost-share 20% of the TRICARE allowable charge for outpatient services and supplies for active duty families and 25% of the allowable charge for all others.

Go to the MBA official website


Military Loans Online Application

Uniformed Services Benefit Association (USBA)
Tricare Supplement Insurance

USBA understands how confusing the health care choices are today for military families and retirees. We also understand how important choosing the right health care supplement is … because your family will still have medical expenses even after TRICARE pays. And even though your costs may be small, in many cases they can be huge.

So why choose USBA’s TRICARE Standard/Extra Supplement plan?

  • Guaranteed Acceptance (subject to pre-existing condition limitation)

  • 30-Day satisfaction guarantee

  • No Medical Exam Required

  • Your choice of 2 specially designed plans to custom fit your needs

  • Priced to Fit Your Budget as well as your needs

  • Retirees and Spouses get the Same Rates

  • Smokers pay the Same Price as Non-smokers

Visit the USBA Official Website for more information.