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Thread: Tricare Prime vs. Standard

  1. Jo
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    #1
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    Last edited by Jo; 06-14-2011 at 06:22 PM.
  2. Jo
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    Last edited by Jo; 06-14-2011 at 06:03 PM.
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    #3
    I have only ever had Tri-care Prime. Good luck.
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  4. Cat
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    #4
    lol well as much as prime can be a hassle i still like having it. no co pays and i have been to the drs several times so its nice not having to pay co pays. but if you dont go to the drs to much and with standard cant you make your own appointments without referrals? thats the good part. i hate waiting for referrals but down here getting referrals only takes 2 days at the most so thats not bad.


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    #5
    If I could afford stabdard I would most definitely use it! With the 3 boys always going to the doc and my health issues I can't afford the copays. I hate how hard it is to get an appointment here though. BUT the boys have a civilian pedi since they had no room for them before
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    #6
    We are Tricare Prime & really like it
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    #7
    I'm on Prime as well! I was going to switch to Standard when I was preggo with Ethan due to wanting to give birth at some place other than the MTF here.
    Couldn't you get a referral to a place out in town if the OB/GYN is that booked? The person I am would call/e-mail the head the Tricare office immediately...LOL!!! That's what I had to do when the midwife program at Tripler was "supposedly" booked until October and I was due in Sept.
  8. Kristin
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    The 2 oldest kiddos are on prime (xh is still in the Navy) and since he wouldn't get his butt in gear to get the base stuff taken care of as far as paperwork for the kids ID's and me an "agent ID" I was unable to get on base(Scott AF base) so I called the tricare office and told them what was going on and so they get to see a doc of my choice out in town and we got to keep prime, so still no co-pays and only 3 or 9.00 for prescriptions.
    Maybe you can talk to someone and see if you can get a doc out in town and keep prime.
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    #9
    The biggest con is the co-pay. That and the fact that there is a deductible.here is off the site

    Costs: Standard requires that you satisfy a yearly deductible before TRICARE cost sharing begins, and you will be required to pay co-payments or cost shares for outpatient care, medications, and inpatient care.

    here is a good table of the differences on their site
    http://www.tricare.osd.mil/tricarecost.cfm

    I have always had Prime but looked into switching to standard when I was getting the care I wanted. At the time the cost was just too high for me...

    G'luck
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    #10
    Honestly I don't know much about standard. We've only ever had Prime and I've never had a problem with it. When I call for an appt. I get right in. In FL. we actually got to see civilian drs. the whole 4 years we were there. They won't let me here unless we lived so many miles away. I forget how many but with John's hours it isn't worth it. I just got referred to Gyno. here and all I did after my appt. was walk upstairs and they already had my referral so I could schedule my appt. With them it is taking longer to get in but I can understand how they are busier than my family practice dr. I do know with my 2 little ones I wouldn't want the co-pays. But since your youngest is the same age as my oldest you could probably get away with not many appts. a year so the co-pay part my not be that bad. And if you want to have more control over you referrals then again maybe standard would be better for you. For me, in 5 years, I've only been reffered out of my family practice dr's. office twice. And one of them was for my pregnancy. Neither of my kids have been reffered out. I guess just examine what your family's habit of going to the dr's. is and then see what each Prime and Standard do and don't cover so that you can see which would be better for your family. Good Luck with whichever one you decide is best.

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