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AlCherry

Tricare for Life and Medicare

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Please note the change of enrollment dates in the "full article here" hot link. Open enrollment is now between Nov. 12 to Dec. 10 2018. That was a surprise to me, as the original enrollment date ended Oct. 31.

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AlCherry

If you have figured it out please fill us in.  My DW spent 2 hours going over all different planes on the Dental and came away with more questions than answers.

Dennis

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What we have figured out is that we have to get part A&B, $130 for each of us per month, we have to get it before we turn 65. We haven't begun looking at dental and visual. I guess we'll be spending a large portion of our retirement pay on health care.

 

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37 minutes ago, AlCherry said:

What we have figured out is that we have to get part A&B, $130 for each of us per month, we have to get it before we turn 65. We haven't begun looking at dental and visual. I guess we'll be spending a large portion of our retirement pay on health care.

 

Just so nobody misunderstands, the premiums are for Part B (outpatient care). Part A (inpatient care) is premium-free. Tricare For Life will cover your prescriptions (I advise using the Express Scripts home delivery service to avoid copays). It's bargain basement compared to what non-military folks have to pay for part D and out-of-pocket expenses (Tricare For Life picks up whatever Medicare doesn't pay). If I can get it to work, here's a link to the Tricare For Life handbook:

TCFL Handbook

Rob

Edited by Second Chance

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2 hours ago, Second Chance said:

 It's bargain basement compared to what non-military folks have to pay for part D and out-of-pocket expenses (Tricare For Life picks up whatever Medicare doesn't pay).

Oh man, you aren't kidding!!  I'm more than 10 yrs from TFL eligibility, but have several non-mil friends who are over 65.  When they talk about their health insurance costs, I just bite my tongue and feel bad for them.  Their insurance, plus co-pays, plus supplements to cover them is, in some cases, $500 a month.

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18 hours ago, remoandiris said:

Oh man, you aren't kidding!!  I'm more than 10 yrs from TFL eligibility, but have several non-mil friends who are over 65.  When they talk about their health insurance costs, I just bite my tongue and feel bad for them.  Their insurance, plus co-pays, plus supplements to cover them is, in some cases, $500 a month.

You are correct, sir. I see what my co-workers are paying and cringe. My little sniveling about cost is nothing compared to non military.

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I just received Medicare part A and B. I'm retired from the military so I have Tricare for life. However I am also retired from DOD and have Blue Cross Blue Shield standard. I don't pay anything for my prescription drugs. If anybody out there can help me with this next part I'd appreciate it. IF I canceled my BlueCross BlueShield I would be saving allot of money every month. The problem is Tricare for life has co-pays for meds. MY QUESTION IS DOES ANYBODY KNOW OF A GOOD MEDICARE PART D DRUG INSURANCE THAT WORKS WELL WITH TRICARE FOR LIFE. I am asking hoping that an additional drug program that has Tricare paying last will mitigate some crazy amounts of co-pays that I will have with a couple of my meds. Any information will be greatly appreciated.

 

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1 hour ago, Rocky A said:

I just received Medicare part A and B. I'm retired from the military so I have Tricare for life. However I am also retired from DOD and have Blue Cross Blue Shield standard. I don't pay anything for my prescription drugs. If anybody out there can help me with this next part I'd appreciate it. IF I canceled my BlueCross BlueShield I would be saving allot of money every month. The problem is Tricare for life has co-pays for meds. MY QUESTION IS DOES ANYBODY KNOW OF A GOOD MEDICARE PART D DRUG INSURANCE THAT WORKS WELL WITH TRICARE FOR LIFE. I am asking hoping that an additional drug program that has Tricare paying last will mitigate some crazy amounts of co-pays that I will have with a couple of my meds. Any information will be greatly appreciated.

 

The new "copays" for Tricare For Life for prescriptions through Express Scripts are $7 for a 90-day supply delivered to your home or Escapees mail basket. That's $28/year per medication. How much would you expect to spend on premiums for a part D plan?...

Rob

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Everything you want to know about Express-Scripts pharmacy for the DoD Tricare drug program

Express-scripts just announced thier flat-rate for the diabetic drug insulin,  $25/month. I've been covered by TFL and Express-Scripts for 12 years and counting, that is the most I've ever seen on their website for a drug price. Two of my COPD meds do cost me $56 per quarter.

Edited by Ray,IN

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Express scripts sends me my chemo pills every month. Cost is $20,000. My copay for them is $28. No complaints from me. 

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On 8/3/2019 at 12:01 PM, Second Chance said:

The new "copays" for Tricare For Life for prescriptions through Express Scripts are $7 for a 90-day supply delivered to your home or Escapees mail basket. That's $28/year per medication. How much would you expect to spend on premiums for a part D plan?...

Rob

That is for a generic drug. I pay $24 for 60 days worth of Humira and my wife pays the same for her diabetes test strips and these are in the formulary. Non-forumulary items (if you can get approval) will be $53.

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On 8/4/2019 at 5:43 PM, Chalkie said:

That is for a generic drug. I pay $24 for 60 days worth of Humira and my wife pays the same for her diabetes test strips and these are in the formulary. Non-forumulary items (if you can get approval) will be $53.

If a generic drug is available, that is what Express-Scripts sends, unless the Dr. specifically designates the name brand on the script as "no substitution"; then only if the name brand is on their list of approved drugs from Tricare. DW takes a drug that is no longer available from them, so ES sent her to WalMart to buy the drug there, and ES pays. :rolleyes:

 

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Guys,

I stay near a base and get my prescriptions from the base co-pay free. On the road I did the same seeing the local doc for the prescription. I just picked up refills for the last time at Barksdale and will rejoin my wife in Colorado Springs as soon as my house here sells. There we choose between the Air Force Academy where I taught 78-81, Peterson AFB, or Fort Carson Pharmacies.for retirees, the base pharmacy is free if you use their formulary with your doc, or not.

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