Archive for the 'dependents' Tag

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Man to Man with Jeremy Hilton

vid_manjeremyB.jpgThe 2012 Military Spouse of the Year, Jeremy Hilton is an Air Force male military spouse and advocate for military families and dependents impacted by illness or disability. In this Man-to-Man video, Jeremy shares some great advice and life lessons.  Male military spouses of all age ranges and experience will find some useful information in this interview.  (Length: :07:12)

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Rune of the Apprentice - A Novel Written by a Male Military Spouse

Jamison Stone and wife 2.pngHello male military spouse community! 

My name is Jamison Stone and I am the spouse of Staff Sergeant Rebecca Bainbridge of the United States Army Field Band at Fort Meade, Maryland. Because of her assignment, my wife, and the rest of her company, are on tour and away from their families for over 100 days out of the year.



As you very well know, Military service is hard on families. While I speak more about this topic on my blog, the ongoing struggle is very taxing to both the heart and the mind. Most difficult for me is the sadness and depression of separation during my partner's deployment and training.



Sadly, many Military Families have it far worse off than we do, particularly those with service members actually in harm's way, and especially of course those who make the ultimate sacrifice defending our country. All these women and men who proudly wear the cloth of our nation, and their families, are true heroes.



Female Mil Spouses are very lucky to have a wide network of other military wives to lean on during these difficult times. Sadly, we men, are not as fortunate. Personally, I find it extremely challenging as an Army husband to find a real sense of community. This is particularly emphasized when my wife is away on training or tour.

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How Do I Shop for New Health Insurance Coverage?

OK, here is an important topic USAA wrote about a few months ago and we obtained permission to re-post on Macho Money.  For those of you who are new to the military, you will receive your health insurance from Tricare.  Tricare is offered to all active duty members and their dependents.  Once your active duty spouse retires, your family is eligible for Tricare For Life.  However, if you guys decide to separate from the military before retirement qualifications are met, you aren't eligible for Tricare.  At this point the VA may be an option, but there are specific eligibility requirements so not everyone will qualify...plus the VA doesn't cover dependents.  So, for many of us, the pain of shopping for health insurance is inevitable.

 

Health insurance coverage is available to more Americans than ever under the Patient Protection and Affordable Care Act (ACA), which created a marketplace of plans with a range of costs and benefits.

But before you start shopping around, it's wise to think about your needs and budget to find the best plan for you and your family.

Here's how to weigh your health insurance coverage options:

  • Figure out your budget. Your first move should be determining whether you're eligible for a health care subsidy under the ACA, says Bob Lord, product management director of health solutions for USAA. If your income is less than 400% of the federal poverty level, you may qualify. The subsidies are based on the second-lowest cost silver ACA plan in your area and can be applied toward more or less costly plans. "Understanding what you can afford outside of whatever the ACA is going to provide for you is powerful knowledge," Lord says.

  • Estimate your household health care expenses. If you are young, single and healthy, you likely won't be using services that often, and preventive visits are one of a range of essential health benefits covered under all plan levels. But families with young children can find themselves on a first-name basis with the staff at their pediatrician's office, so they should consider a plan that offers co-pays for office visits.

  • Peruse prescription benefits. If someone in your family is on maintenance prescription drugs, see what they'll cost. Health plans have a formulary — a list of prescription drugs they cover. Lord suggests choosing a plan where the formulary includes any brand-name drugs you use, as they are covered at a higher level.

  • Decide if you'll see Dr. Who. If keeping your current health care provider is important to you, find a plan with your provider in its network. Out-of-network providers are covered at a lower rate, if at all, than those in network. Conversely, if you find a plan that saves you a lot of money but makes your doctor or specialist out of network, weigh the savings versus having to switch providers.

Members with questions about health insurance coverage should contact USAA.

"We can help point them in the right direction if we have policies available or to the appropriate state-regulated or federal exchange," Lord says.

To get started, visit the USAA Health Insurance Marketplace.

(Note: USAA did not pay for this post, we re-posted because it is good information.  If you, or your company/organization, would like to offer more insight on this subject please feel free to contact us.)

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Posted in Macho Money