Family Health Care Benefits
Family Health Care Benefits
The military provides an affordable option for military families through TRICARE the military’s health insurance. My husband and I have TRICARE Prime, and we love it because we don’t pay any premiums and there’s no deductibles since my husband is active duty. This really came in handy when my husband broke his leg during a deployment, and he was seen by providers on base at no cost to us. If we had civilian health insurance, it might’ve cost quite a bit. I have also had to visit the emergency room in the middle of the night when no doctor’s offices were open, and that was completely covered. I enjoy seeing providers on base who are very understanding when I have any health issues.
Having the option to get my prescriptions on base at no cost to me is also a great perk. The health insurance moves with you no matter where you are in the world. The military wants to ensure all members and their families have affordable health care and not have to worry about surprise health care expenses.
MilSpouse Money
Mission Response:
The world of health insurance can seem difficult to navigate and sometimes expensive. Moving around frequently can add to the uncertainty. A great benefit that military families can count on is health care coverage through TRICARE. As Hoai and her family experienced, unexpected medical issues can pop up anytime, like on deployment or in the middle of the night. TRICARE is there to help cover you and your family’s health care needs. Check out this handout for a high-level explanation of TRICARE and its features.
There are different types of TRICARE coverage and options and eligibility depends on several factors including your Service member’s status, location, age, and preference for care. The two primary plan categories are TRICARE Prime and TRICARE Select. Learn more at tricare.mil and discover what options may be available to you. Make sure you understand the coverage and features of your plan. Ask questions and do your research. Health care is not a “one-size-fits-all” solution so consider your family’s needs as you decide on the best options available for your situation.
Chances are, you probably do not plan to work forever. Start saving today to build the life you want in retirement. Hoai says it best, “Your future self will thank you!”
