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Thread: what happens to insurance when hubby gets discharged?

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    #1

    what happens to insurance when hubby gets discharged?

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    So, tonight hubby came home telling me his discharge papers have gone through much quicker than expected and we can expect for him to be discharged and for us to have to move again in about 6 weeks. Circumstances have changed... and I don't need anymore stress. What happens with Tricare... does it stop the day he is discharged or is it 90 days after he's discharged? He's beijng discharged with 20% disability. There is no way he will have a job anytime soon unless we just happen to get lucky. I'm pregnant with an extremely high risk pregnancy and on bedrest/minimal activity. Our baby will need to be delivered in a level III NICU because of all the suspected complications. Will Tricare cover my delivery or will we have to find someway to pay on our own? This is jujst one more thing on top of a thousand others that I really don't need right now. If Tricare doesn't cover the delivery and the pregnancy, there is no way I'm going to be able to get the care I need for myself and the baby. I have looked into Medicaid and it can take up to 90 days from application date to gain approval from them. I have to be seen by a high risk doctor every 3 weeks and be several other specialists often as well. I have to have a high tech ultrasound done at every single visit and a fetal echo this month and then 2 more times befor delivery. The doctors are planning to see me every week from 32 weeks until 36 weeks, and if I'm still pregnant at 36 weeks, they are planning to hospitalize me until delivery. If we lose our Tricare the day my husband is discharged, we will be risking my life and our baby's life.
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    #2
    I'm sorry that they actually did paperwork without losing it a billion times for once! They could have at least had the decency to screw up on HIS discharge as much as they do on everyone else's! That really is a stressful situation.

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    Tricare has a transition healthcare program...not cheap, but available depending on circumstances of discharge.
    hope this helps.

    Try this website:
    http://www.humana-military.com/south...rams/chcbp.asp

    TRICARE provides temporary health benefits through the Continued Health Care Benefit Program, CHCBP. CHCBP eligibility depends upon prior eligibility under a military health plan. The benefits are similar to TRICARE Standard. Benefits similar to TRICARE Extra are also available. All premiums, annual deductibles and cost-shares have to be met. Under CHCBP, enrollment within 60 days after discharge or loss of eligibility is required and coverage is available for 18 months. Also, unmarried dependent children may be eligible for coverage for up to 36 months. To find out more information about CHCBP, contact Humana Military Healthcare Services, Inc by mail (P.O. Box 740072, Louisville, KY 40201) or by phone (1-800-444-5445).
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    Can you talk to a social worker at the hospital where you plan to deliver? if you know where you are going to deliver, you can call the main operator and ask for the social work dept. Many times the social work dept can get you in contact with people who can help, and possibly expedite the Medicaid process for you. Since your child could be in NICU for an extended amount of time Medicaid will be important. I know when my dd was in NICU they could also get the NICU babies on SSI in a very short amount of time.
    Maybe also talk to the insurance person at the ob/gyn's office, and find out if they can help you get on Medicaid quickly?
    I don't know about Tricare, I'm sorry. I hope that things work out for you, I'm sure this is very, very stressful.
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    #5
    You can look into state medicaid!
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    Yes you should qualify for state Medicaid. I totally forgot about that. It'll be ok Katie, God will provide.
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    #7
    Tricare ceases the day he is discharged. You can get COBRA, but it will be costly. You should be able to qualify pretty quickly for medicare/cade seeing as you are preggo.


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    You need to call tricare. I know when DH was discharged I was told that if I was so far along in a preg, that tricare would continue to cover me for preg realted visits till my 6 weeks post partum checkup. Now I dont know if they still do this or not, this was back in 98.
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    #9
    Just wanted to give you some and let you know that I am looking at this thread to because I want to know this also
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    Quote Originally Posted by Donna View Post
    You need to call tricare. I know when DH was discharged I was told that if I was so far along in a preg, that tricare would continue to cover me for preg realted visits till my 6 weeks post partum checkup. Now I dont know if they still do this or not, this was back in 98.
    That would be great if they did that! Definitely look into that Katie!
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