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Charleston Chapter – MOAA
Date Posted:06/25/19
This Story Expires on: 08/31/19
Making home ownership easier for war wounded veterans

Date Posted:06/25/19
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President Trump to Finally Get His Military Parade on July 4

Date Posted:06/22/19
This Story Expires on: 09/30/19
Free App Lets Troops Read to Their Kids at Home

Date Posted:06/12/19
This Story Expires on: 08/31/19
'The Right Thing To Do:' Unclaimed Remains of 19 Veterans Laid to Rest

Date Posted:06/12/19
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The Meaning Behind the 13 Folds of Old Glory

Date Posted:06/10/19
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The Warning Signs of Suicide and What to Do

Date Posted:06/10/19
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Health Care Programs

Date Posted:06/10/19
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Pentagon Effort Underway to Make DD 214 Digitally Accessible, with More Privacy

Date Posted:06/08/19
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Here’s why the American flag is reversed on military uniforms

Date Posted:06/05/19
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Google launches tools to help military spouses find remote working opportunities

Date Posted:06/05/19
This Story Expires on: 07/31/19
VA on Track to Cure Nearly All Patients with Hepatitis C

Date Posted:06/05/19
This Story Expires on: 07/31/19
90,000 ‘blue water’ Vietnam veterans in line for disability benefits after Justice officials drop appeal

Date Posted:06/04/19
This Story Expires on: 12/31/19
Ralph H. Johnson VA Medical Center

Date Posted:06/03/19
This Story Expires on: 11/16/19
Korean War Vets Eligible for Free Return Tour

Date Posted:05/30/19
This Story Expires on: 07/31/19
VA Will Soon Let You Go to Civilian Urgent Care Doctors

Date Posted:05/30/19
This Story Expires on: 07/03/19
VA Seeks New Members for Caregiver and Family Advisory Board

Date Posted:05/30/19
This Story Expires on: 07/31/19
Burial Benefits Expansion Included in 2020 VA Budget

Date Posted:05/30/19
This Story Expires on: 07/31/19
What Military Spouses Need to Know About the $500 Licensure Reimbursement

Date Posted:05/30/19
This Story Expires on: 08/31/19
Top Ten PCS Don’ts

Date Posted:05/24/19
This Story Expires on: 07/13/19
New GI Bill transfer rule will impact older service members

Date Posted:05/24/19
This Story Expires on: 07/31/19
Lowe’s new partnerships to help veterans with job training, housing and more

Date Posted:05/23/19
This Story Expires on: 08/02/19
MILITARY APPRECIATION NIGHTS

Date Posted:05/21/19
This Story Expires on: 07/31/19
Army, Air Force Announce Professional Licensing Fee Reimbursement for Spouses

Date Posted:05/21/19
This Story Expires on: 08/31/19
Free Veteran ID Cards Can Take 6 Months to Process

Date Posted:05/21/19
This Story Expires on: 07/31/19
South Carolina State Veteran Benefits

Date Posted:05/17/19
This Story Expires on: 07/31/19
Google Funds Scholarships for Spouses to Become IT Support Specialists

Date Posted:05/17/19
This Story Expires on: 06/30/19
Defense leaders mull changes to overseas base policies to help military spouses find jobs

Date Posted:05/17/19
This Story Expires on: 07/31/19
Military Benefits You Don’t Want to Miss

Date Posted:05/17/19
This Story Expires on: 07/31/19
Deals update: Ski passes, free museum admission, Costco and more for military and vets

Date Posted:05/09/19
This Story Expires on: 08/31/19
Are you a 30 minute drive from your nearest VA medical facility? This map will show you

Date Posted:05/08/19
This Story Expires on: 07/14/19
VA Makes Deal with Medicare to Monitor Drugs Prescribed to Vets

Date Posted:05/03/19
This Story Expires on: 06/30/19
Evolution of the United States Army uniform

Date Posted:05/03/19
This Story Expires on: 07/31/19
Can Spouses Be Buried in Veterans Cemeteries?

Date Posted:05/03/19
This Story Expires on: 06/30/19
Task force to highlight ‘forgotten’ and 'invisible’ women veterans

Date Posted:05/01/19
This Story Expires on: 07/31/19
Tricare Extends Window for Choosing Coverage After Retirement

Date Posted:04/29/19
This Story Expires on: 06/30/19
Consumer Magazine Gives Military Commissaries High Marks

Date Posted:04/29/19
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‘An intellectual investment in our officer corps’ — Pentagon partners with Johns Hopkins on new program

Date Posted:04/29/19
This Story Expires on: 06/30/19
These department stores now offer 15 percent military discount; veterans museum offers free military admission

Date Posted:04/19/19
This Story Expires on: 06/30/19
This group scores vets free tickets to sporting events, concerts, shows — even the Super Bowl

Date Posted:04/19/19
This Story Expires on: 08/31/19
PCS Checklists for Your Move

Date Posted:04/19/19
This Story Expires on: 07/31/19
How to Decode Civilian Language for a Successful Transition

Date Posted:04/19/19
This Story Expires on: 07/31/19
How to Compose a Handwritten, Post Interview Thank You Note

Date Posted:04/19/19
This Story Expires on: 06/30/19
Rx Refill

Date Posted:04/19/19
This Story Expires on: 06/30/19
Kohl’s Launches 'Military Mondays' 15% Off Deal for US Service Members, Veterans

Date Posted:04/17/19
This Story Expires on: 07/31/19
Smooth your transition to a civilian career with professional certifications

Date Posted:04/17/19
This Story Expires on: 06/30/19
Military Times to launch first ever vet employment conference in NYC

Date Posted:04/16/19
This Story Expires on: 07/31/19
Want to Run for Office? Now There's a Politics Boot Camp for Veterans

Date Posted:04/12/19
This Story Expires on: 06/30/19
Here are 12 big changes veterans caregivers will see in the next year

Date Posted:04/12/19
This Story Expires on: 06/30/19
CHAMPVA with Tricare, Affordable Care Act

Date Posted:04/11/19
This Story Expires on: 06/30/19
Financial Considerations for the MilSpouse Entrepreneur

Date Posted:04/11/19
This Story Expires on: 08/31/19
Cheap Lodging for Military Families

Date Posted:04/09/19
This Story Expires on: 07/31/19
Tools for Building a Great Resume

Date Posted:04/04/19
This Story Expires on: 06/30/19
DOD Seeking Survivors to Test Grief Support Apps

Date Posted:04/03/19
This Story Expires on: 07/31/19
How Military Members Can Cancel TV, Internet and Phone Contracts Without Fees

Date Posted:04/02/19
This Story Expires on: 06/30/19
VA Offering New Diabetes Treatment

Date Posted:04/02/19
This Story Expires on: 07/31/19
9 Military Discounts to Celebrate Month of the Military Child

Date Posted:03/31/19
This Story Expires on: 10/30/19
A robot reading your resume? 10 tips for vets to beat job screening software

Date Posted:03/27/19
This Story Expires on: 06/30/19
3 Soft Skills That Vets Have and Employers Want

Date Posted:03/27/19
This Story Expires on: 09/30/19
South Carolina State Veteran Benefits

Date Posted:03/26/19
This Story Expires on: 06/30/19
Arlington Changes Funeral Escort Eligibility Rules in Effort to Limit Burial Wait Time

Date Posted:03/25/19
This Story Expires on: 06/30/19
Armed Forces Retirement Home Accepting Applicants

Date Posted:03/19/19
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Here's All the Government Programs that Help Vets with Jobs and Benefits

Date Posted:03/19/19
This Story Expires on: 06/30/19
Military Discounts for Major League Baseball Games

Date Posted:03/14/19
This Story Expires on: 06/30/19
Marine Corps Removes Tuition Assistance Restrictions

Date Posted:03/14/19
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If your school needs a new veterans center, Uncle Sam might chip in

Date Posted:03/12/19
This Story Expires on: 06/30/19
Update to Goose Creek VA Lab Operations

Date Posted:03/11/19
This Story Expires on: 06/30/19
South Carolina State Veteran Benefits

Date Posted:03/11/19
This Story Expires on: 06/30/19
This 2019 Scholarship Gives MilSpouses Free Financial Counselor Accreditation

Date Posted:03/11/19
This Story Expires on: 06/30/19
You Joined the Military. Now, Uncle Sam Wants You to Join the Merchant Marine

Date Posted:03/08/19
This Story Expires on: 06/30/19
Veterans' health records coming to iPhone

March 22 Luncheon Meeting

Date Posted:03/07/19
This Story Expires on: 06/30/19
Veterans Receive Golden 'Tickets' Canceling Their Medical Debt

Date Posted:03/07/19
This Story Expires on: 06/30/19
Retirees, Civilians, Want to Live in Base Housing? Yes, You Can!

Date Posted:03/07/19
This Story Expires on: 06/30/19
Will the VA Pay for Your Funeral? The Answer May Surprise You

Date Posted:02/13/19
This Story Expires on: 07/31/19
No experience? No problem! Vets can jump start careers in IT with this new, free program

Date Posted:05/05/18
This Story Expires on: 09/30/19
Take the VA's New RAMP to a Faster Appeal Decision

Military Star Card Questions & Answers

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Everything You Need to Know About Tricare Open Season
Posted on: 11/21/18
This Story Expires on: 02/28/19




When it comes to military health care -- for retirees and active duty -- this year is a little different. As you read this article, we are amid the first-ever Tricare open season.

From Nov. 12 -- Dec. 10, 2018, retirees as well as those currently serving and their families will have an opportunity to change health plans.

 

Additionally, the Tricare Retiree Dental Program ends on Dec. 31, 2018. The Federal Benefits Open Season runs concurrently and allows some Tricare beneficiaries to add vision and/or dental coverage through the Federal Employees Dental and Vision Insurance Program (FEDVIP).

The overhaul of dental offerings caught my eye. While active duty and reserve component service members and their families will continue to get dental care through their military clinic or Tricare Dental Program, retirees interested in having dental coverage, or those wanting to add it, will need to sign up for one of the 10 dental carriers available through the FEDVIP.

Yes, 10 dental carriers -- with 15 options! Because this seems a bit overwhelming it had me scrambling to explore and understand some of the key differences in the plans. So, let's dig in. The numbers I'll share below are based on the 2019 FEDVIP dental plan offerings in the San Antonio area.

Open Season

Long a part of the civilian benefits routine, Tricare Open Season now offers the opportunity to enroll in Tricare Prime or Select, sign up for Tricare Reserve Select or enroll in Tricare for Life.

And of course, this is the first year military retirees will have a chance to sign up for a FEDVIP dental plan as part of the Federal Benefits Open Season. If you are an active duty family member, you also will have a chance to sign up for a FEDVIP vision plan.

To enroll in FEDVIP vision, you must be enrolled in a Tricare health plan. Barring a qualifying life event -- marriage, moving out of a service area, losing coverage, a new baby, etc. -- this is the only time until next year's open season that you can make these moves.

Premium

Everybody is familiar with this monthly payment. If that FEDVIP premium is paid via payroll deduction, it will be a pre-tax deduction. FEDVIP dental plan premiums vary from plan to plan, but in my area, premiums range from as little as $20 per month for individual coverage up to around $120 per month for a family.

Enrollment Types

With FEDVIP dental, there are three options. In order of cost: self-only coverage; self plus one (probably, but not necessarily, your spouse); and self and family coverage. The ability to limit coverage to yourself and your spouse is slick. To give you an idea, The FEP BlueDental, PPO-High came with premiums of approximately $40, $80 or $120 per month.

Standard Versus High

Did you see the "High" in the plan name I mentioned above? Don't miss this one. Standard plans come with lower monthly premiums but provide a lower maximum annual benefit and require you to pay more agreed-upon costs.

For example, in my area the FEP BlueDental High plan is $37 per month more than the standard for a couple. However, the standard plan caps out individuals at $1,500 in benefits for the year, while the high plan has no cap. Furthermore, while both plans cover 100 percent of in-network preventive care (check-ups, cleanings, etc.), if you need a filling or something more serious like a root canal, you'll pay 15 percent less of the negotiated costs if you've got the high plan.

Health Maintenance Organization Versus Preferred Provider Organization

Like health care, the FEDVIP dental plans comes in what is typically a less expensive HMO package. These options usually have lower monthly premiums and fewer ongoing, out-of-pocket expenses. However, if you don't use doctors that are part of the plan, barring an emergency, you aren't covered.

In-Network Versus Out-Of-Network

In a PPO-type plan, you pay less if you use doctors in the provider network. You can typically choose any licensed doctor, but go out of network, and you'll likely have to dig a little deeper into your wallet. For example, if you visited a non-network provider, you are responsible for a larger percentage of the allowed charge and any amount the non-network provider charged over the plan's allowed amount. This highlights the need to carefully select your dentist. Out-of-network annual benefit caps might also be lower.

Pre-Certification

Some plans require you to get approval prior to care. Procedures expected to surpass a certain cost threshold may need to be reviewed in advance of care. Certain services, such as crowns and bridges, may also need to be approved in advance.

 

You can learn more about open season and the new FEDVIP dental options at tricare.benfeds.com. Dig into details of all the available plans using the tools and info there. If you're not eligible for the FEDVIP plans or would just like explore other options, check out USAA's dental offerings at usaa.com/dental.



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Charleston Chapter – MOAA
Charleston Chapter – MOAA

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