Health insurance/COBRA - After Active Duty

Trey · 10-16-2009, 11:23 AM

What are our options for health insurance? Ryan's Reserve recruiter said he gets benefits for 45 days after his EAOS? But honestly, (and no offense to anyone) I have a hard time believing anything unless I see an official document....

Also, does anyone know much about COBRA? We can sign up for this temporarily, is that correct? I know the govt pays a good chunk of it right now for unemployed people... but this won't affect our chances of getting health care in the future will it? It's better to have continued coverage, yes?

I am so confused with all this junk and Ryan is worthless as far as repeating anything he learned in TAPS, so I figured I would come to the best sources. TIA!

Trey · 10-16-2009, 11:43 AM

gunsgirl · 10-16-2009, 12:38 PM

the miltary offers cobra- it is for up to 6 months of coverage.

also if your Dh is a reservist he can get tricare reserve select for 180 a month for a family.

the best thing to to is call tricare to get the best information.

leftover · 10-16-2009, 12:42 PM

Any opportunity I've had to keep COBRA, it's been around $800-$900 a month.

Lindsey · 10-16-2009, 12:48 PM

From what I have heard it's not good to let health insurance lapse bc it is harder in the future to get it bc they take into account "preexisting" conditions....good luck with your decision

*skittles* · 10-16-2009, 12:55 PM

The military offers COBRA insurance..its for 180 days only. Rules for reservists differ than rules for active duty and elgibility requirements apply. I'd go to your nearest Tricare office to talk to them, or even just give someone in tricare a phone call. They are your best source of information.

Trey · 10-16-2009, 01:11 PM

Ohhh okay, I thought COBRA was through the state, that explains why I couldn't find a form or anything. I will give Tricare a shout... we are just wanting to utilize it until his Reserve paperwork is finalized (we are being told November/December) and then we plan on using TSR. Thanks for the help ladies and Lefty!

leftover · 10-16-2009, 01:13 PM

Originally Posted by Trey

O Thanks for the help ladies and Lefty!

Oh, so I'm not a

LADY

Eat my butt.

Britt · 10-16-2009, 02:31 PM

The Cobra was really expensive ... and we didn't get anything after his EAOS date.

On March 5, 2008, the Navy dropped us like a hot rock.

*skittles* · 10-16-2009, 02:41 PM

http://www.psapac.navy.mil/psdguam/seps.htm

This isn't dated but let me know if its helpful.

I don't know what situations make you ineligible for health care for 90-180 days after you leave the service...but I do know you need to follow the rules closely. For instance, our soldiers leaving active duty need to enroll themselves and their families BEFORE leaving active duty. Sometimes its unfortunately something they wait on and then its gone.

10-16-2009, 11:23 AM	#1 (permalink)
Trey Jamie's favorite. Be jealous. Join Date: Sep 2005 Location: Where the surf meets the sand... Posts: 23,298 Classifieds: (3) Activity: 70% Longevity: 71%	Health insurance/COBRA What are our options for health insurance? Ryan's Reserve recruiter said he gets benefits for 45 days after his EAOS? But honestly, (and no offense to anyone) I have a hard time believing anything unless I see an official document.... Also, does anyone know much about COBRA? We can sign up for this temporarily, is that correct? I know the govt pays a good chunk of it right now for unemployed people... but this won't affect our chances of getting health care in the future will it? It's better to have continued coverage, yes? I am so confused with all this junk and Ryan is worthless as far as repeating anything he learned in TAPS, so I figured I would come to the best sources. TIA! __________________

10-16-2009, 11:43 AM	#2 (permalink)
Trey Jamie's favorite. Be jealous. Join Date: Sep 2005 Location: Where the surf meets the sand... Posts: 23,298 Classifieds: (3) Activity: 70% Longevity: 71%	__________________

10-16-2009, 12:38 PM	#3 (permalink)
gunsgirl I love cats Join Date: Jul 2007 Location: kingsland GA/ HITRON JAX Posts: 4,378 Classifieds: (3) Activity: 62% Longevity: 39%	the miltary offers cobra- it is for up to 6 months of coverage. also if your Dh is a reservist he can get tricare reserve select for 180 a month for a family. the best thing to to is call tricare to get the best information. __________________ GA licensed Realtor Dawn

10-16-2009, 12:48 PM	#5 (permalink)
Lindsey I Can See Clearly Now....The S**T Is Gone Join Date: Dec 2005 Location: Pittsburgh, PA Posts: 7,342 Classifieds: (0) Activity: 51% Longevity: 67%	From what I have heard it's not good to let health insurance lapse bc it is harder in the future to get it bc they take into account "preexisting" conditions....good luck with your decision __________________

10-16-2009, 01:11 PM	#7 (permalink)
Trey Jamie's favorite. Be jealous. Join Date: Sep 2005 Location: Where the surf meets the sand... Posts: 23,298 Classifieds: (3) Activity: 70% Longevity: 71%	Ohhh okay, I thought COBRA was through the state, that explains why I couldn't find a form or anything. I will give Tricare a shout... we are just wanting to utilize it until his Reserve paperwork is finalized (we are being told November/December) and then we plan on using TSR. Thanks for the help ladies and Lefty! __________________

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10-16-2009, 12:55 PM	#6 (permalink)
skittles MilitarySOS Jewel Join Date: Mar 2009 Location: Savannah, GA Posts: 2,509 Classifieds: (0) Activity: 92% Longevity: 11%	The military offers COBRA insurance..its for 180 days only. Rules for reservists differ than rules for active duty and elgibility requirements apply. I'd go to your nearest Tricare office to talk to them, or even just give someone in tricare a phone call. They are your best source of information.

10-16-2009, 02:31 PM	#9 (permalink)
Britt The Cat Whisperer Join Date: Dec 2005 Location: DeKalb, Illinois Posts: 12,574 Classifieds: (0) Activity: 12% Longevity: 67%	The Cobra was really expensive ... and we didn't get anything after his EAOS date. On March 5, 2008, the Navy dropped us like a hot rock. __________________

10-16-2009, 02:41 PM	#10 (permalink)
skittles MilitarySOS Jewel Join Date: Mar 2009 Location: Savannah, GA Posts: 2,509 Classifieds: (0) Activity: 92% Longevity: 11%	http://www.psapac.navy.mil/psdguam/seps.htm This isn't dated but let me know if its helpful. I don't know what situations make you ineligible for health care for 90-180 days after you leave the service...but I do know you need to follow the rules closely. For instance, our soldiers leaving active duty need to enroll themselves and their families BEFORE leaving active duty. Sometimes its unfortunately something they wait on and then its gone.