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Thread: Tricare Standard as secondary insurance for having a baby??

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    #1

    Tricare Standard as secondary insurance for having a baby??

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    Does anyone have any experience with Tricare Standard as secondary insurance?

    I have a private OB and plan to deliver at a non-military hospital. I have private insurance (United Healthcare) through my job and it looks like having a baby is going to end up costing close to $3,000 out of pocket when all is said and done. Does anyone know if Tricare Standard will cover any of that $3,000? Any experience with what it will and will not cover and any special hoops I need to jump through?

    You would think that I would know something about health insurance but all of this stuff is confusing as hell!
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    I'm not sure if Tricare Standard would cover any of the $3000. I think it depends on if Tricare is accepted by the OB and hospital you are delivering at. You might technically need a referral to that OB and hospital in order for Triacre to cover anything. Contact Tricare customer service, they should be able to answer your question with specifics.
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    #3
    Quote Originally Posted by emtuck90 View Post
    I'm not sure if Tricare Standard would cover any of the $3000. I think it depends on if Tricare is accepted by the OB and hospital you are delivering at. You might technically need a referral to that OB and hospital in order for Triacre to cover anything. Contact Tricare customer service, they should be able to answer your question with specifics.
    Yeah I am going to try and call them tomorrow to see if I can talk to someone about it. This whole insurance thing is such a headache to figure out. I have heard with Prime you need a referral but I thought Standard allows you to go anywhere off post?
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    #4
    In my experience, yes. I had tricare prime as secondary and they covered the balance of the birth that was left from my primary
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    Yes, I believe they do. If they are in-network or a registered out-of-network the physician and hospital should bill both your insurances. If it is out-of-network provider that isn't registered I believe you will have to submit the bill yourself for reimbursement. When I called to switch from prime to standard they were super helpful about coverage. They've been uber on the ball with billing too.
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    #6
    Quote Originally Posted by RetepDoc View Post
    Does anyone have any experience with Tricare Standard as secondary insurance?

    I have a private OB and plan to deliver at a non-military hospital. I have private insurance (United Healthcare) through my job and it looks like having a baby is going to end up costing close to $3,000 out of pocket when all is said and done. Does anyone know if Tricare Standard will cover any of that $3,000? Any experience with what it will and will not cover and any special hoops I need to jump through?

    You would think that I would know something about health insurance but all of this stuff is confusing as hell!
    Ummmm, did I miss a post?
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    #7
    Quote Originally Posted by Southern-queen View Post
    Ummmm, did I miss a post?
    we are going to start trying in September. So in like 2 months!!!
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    #8
    Quote Originally Posted by Southern-queen View Post
    Ummmm, did I miss a post?
    Thats what I was thinking!
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    #9
    for standard you do not need a referral you can use either in-network or out of network- without issue. depending on which will depend on what they will cover-

    call Tricare to compare what it will cost as secondary and what it would cost as primary- you may find out that Tricare is the better/cheaper way to go.
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    #10
    Quote Originally Posted by RetepDoc View Post
    we are going to start trying in September. So in like 2 months!!!
    Ok. I even looked through your posts and was....she is talking having a baby but (while I didn't search in depth) I found no other posts. I was lost.

    I would say good luck but not sure what is the proper etiquette for wishing good luck to the baby making process.
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