Transitionnews: Military/Veteran Jobs and Benefits news of the day for for 3/26/14

Good news story of the day

Purple Heart Recipient is Honored by Veterans  (Embry-Riddle Aeronautical University News)  A small crowd gathered in the DLC to honor a student veteran of Embry-Riddle Aeronautical University who is a Purple Heart recipient.

Military Transition and Jobs News

Wednesday is last chance to apply for early retirement  (Air Force Times)  The window for most airmen to apply for early retirement closes on Wednesday.

Transition GPS curriculum expands, implemented throughout DOD  (  The Department of Defense is making sure its service members are more ready than ever to transition from military to civilian life with a revamped version of its current transition program, the Transition Readiness Seminar.

Job fair targets transitioning military  (Jacksonville Daily News)  On Wednesday from 10 a.m. until 2 p.m. at Goettge Memorial Field House, military affiliated personnel as well as students from Coastal Carolina Community College will have an opportunity to market themselves to potential employers as they present their unique skills and qualities to more than 70 employers,

Veteran-Owned Wall Street Firm Employs Disabled Vets  (ABC News)  When Lawrence Doll returned to the U.S. from Vietnam in 1969 he never forgot the help he received during his transition into civilian life.

Job Fair Helps Veterans Find Work  (NBC Connecticut)  Even after five deployments overseas, Sgt. Woodrow Valle is still a member of the U.S. Army, but he was making contacts at the Heroes 4 Hire job fair for the day he gets out, shaking hands and handing out resumes.

Job fair connects veterans with employers  (WEAU)  They’ve served our country and now, they’re looking for jobs.

Owen School is popular transitional stop for veterans  (Vanderbilt News)  Military veterans and current soldiers alike are a familiar sight in the halls of Owen Graduate School of Management at Vanderbilt University.

Veterans News

New Jersey Has Highest Percentage of Unemployed Veterans in America  (Breitbart)  New Jersey’s veterans are having a harder time finding a job than veterans in any other state, according to an extensive survey of veteran employment rates nationwide by the United States Department of Labor.

Veterans’ Unemployment Edges Down but Remains High  ( The unemployment rate for veterans who served since 2001 dipped slightly in 2013 to 9 percent, the Labor Department reported Thursday.

Relatives of Pearl Harbor victims want military to identify remains  (Los Angeles Times)  Bethany Glenn never met her grandfather, John C. England, a 20-year-old Navy ensign from Alhambra who perished in the Japanese attack on Pearl Harbor.

Casey says VA insults families, taxpayers by not releasing probe results  (TribLive)  U.S. Sen. Bob Casey Jr. contends it’s “an insult” that the Department of Veterans Affairs has not released the results of two internal probes into a deadly Legionnaires’ disease outbreak at Pittsburgh VA hospitals.

Legislative report on vets housing makes startlingly bold suggestions  (The Star Tribune)  A little-seen legislative report on veterans housing makes some startlingly bold suggestions.

Benefits News

Veteran’s job bill passes Senate  (Legislative Gazette)  After nearly a decade-long fight, Sen. Greg Ball announced the passage of legislation through the Senate that would facilitate the awarding of state contracts to disabled veterans.

Military retirement: Change ahead?  (Union-Tribune)  A retired Marine Corps officer said he thinks young enlisted fighters deserve something even if they don’t stay for 20 years.

Half of GI Bill Veterans Completed Educational Program  (AllGov)  Military veterans are making good use of the GI Bill of 2008 and its support for those seeking college education, a new report says.

VA: Adaptive housing grant eligibility automatic for ALS  (Today in OT)  Veterans and active-duty military personnel with service-connected amyotrophic lateral sclerosis, or Lou Gehrig’s disease, now are presumed medically eligible for grants of up to almost $68,000 to adapt their homes, the Department of Veterans Affairs announced March 19.

Some vets won’t have to report income for VA care  (Military Times)  Starting this month, veterans who qualify for care from the Veterans Health Administration under income thresholds will no longer need to report their income information to Veterans Affairs annually.

Bill would remove cap on traumatic injury payments  (Air Force Times)  Two lawmakers have introduced a bill that would eliminate the $100,000 cap on payments to wounded warriors for multiple, severe injuries under the Traumatic Servicemembers’ Group Life Insurance program.

House lawmakers cool to DoD pay, benefits proposals  (Military Times)  The Pentagon’s pay and benefits proposals for fiscal 2015 would be crippling for troops and their families, and potentially a disincentive for many to continue serving, according to House lawmakers who oversee personnel programs in the annual defense budget.

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Have a great day!



Great information about military health care benefits at transition

This is a repost from Jim Carman’s great synopsis of military health care availability for those going through transition (originally posted on the MOAA Linkedin group page):

 Career and Talent Management Team Leader: 703-968-6383

This week’s LinkedIn career building essay comes from Katherine Tracy, MOAA’s Deputy Director for Healthcare Programs. You’ve made the decision to transition from the military and may be wondering how this impacts your healthcare benefits. Let’s take a quick look through two lenses: military retirement eligible or not.
If you’ve not fulfilled the 20 year requirement for a military retirement, your healthcare ends on your last day of regular active duty service or in the case of an activated National Guard or reserve member and serving a period of more than 30 consecutive days of active duty in support of a contingency operation, on the last day of your transition period known as Transitional Assistance Management Program (TAMP) which is 180-days following your separation date. The TAMP benefit also applies to active duty service members serving in support of a contingency operation separating due to:
• stop-loss,
• sole survivorship discharge, or
• agreement to become a member of the Selected Reserve of a Reserve Component the day immediately following release from regular active duty service.
Military retiree’s under age 65 can choose between a managed care option (HMO), known as Tricare Prime, or a fee for service option called Tricare Standard. The main difference between the two is cost verses choice. Tricare Prime is least costly; whereas, Tricare Standard offers the greatest choice in selecting providers. Furthermore, the Tricare Prime option is limited to those who reside within the catchment area of a Military Treatment Facility (MTF).
Tricare also comes with a pharmacy benefit delivered through three points of service listed below in the order of least to greatest out-of-pocket cost to you.
• Military Treatment Facility,
• Tricare Home Delivery Pharmacy, or
• Tricare Retail Pharmacy.
Next, the Tricare Retiree Dental Plan (TRDP) provides a dental option for retiree’s as well as gray-area National Guard or reserve members and their dependents. Timely enrollment, within 120-days of eligibility, ensures the full range of benefits is available immediately. Otherwise, there’s a 12-month wait-period for crowns, bridges, orthodontics and dentures.
Lastly, once retired, your Tricare catastrophic cap rises to $3,000.00/family per fiscal year. The catastrophic cap is your maximum out-of-pocket expense for Tricare covered benefits. Here, the key is Tricare covered benefits. If in doubt – ask!
This has been a whirl-wind through the healthcare benefit structure. If you need further guidance or would like to schedule a one-on-one consultation to discuss your particular situation in more detail, call a MOAA Benefits Counselor at 1.800.234.6622.
Finally, for those readers in career transition who have served as officers in any branch of the armed forces and are located in the greater Washington, D.C. area, The West Point Society of DC’s annual Military Officer Job Fair will be held on December 6 from 9:00 am to 12:30 pm at the Waterford Reception Center in Springfield, Virginia. For the second consecutive year, MOAA is assisting in the promotion of this job fair, which will be open to all military officers regardless of commissioning source or branch of service. There is no charge to attend and no pre-registration is required. For more details, please see and follow the links to career networking night. Thanks for reading and happy holidays, Jim Carman, MOAA Transition Center Director.

TRICARE service centers to close soon

During my transition from active duty to the civilian world I found myself in the position of deciding just how I would procure health insurance for my family and I.  As a uniform wearing Marine my healthcare was covered by the local aid station, clinic, or hospital, but once I hung it all up that option vanished when my ID card switched from “Active” to “Retired”.

I have never had to make such a decision before; after all, medical care was part of the benefits package for those in uniform.  Fortunately, at my local Naval Hospital there was a TRICARE service center.  In the TRICARE service center was a real live human being who was both cheerful and helpful, and after spending a half hour or so with her I was able to make the right decisions and sign up for TRICARE Prime so that both my family and I would be covered once my HMMWV chariot turned into a pumpkin.

Unfortunately, that service center and the 188 others that are spread across the continental United States will be closing next year.  They will be replaced by a call center.  Although TRICARE states that customers will receive better service by calling a 1-800 number I somehow doubt it.  There is nothing like sitting down with a real person to get your questions fully answered.

Sadly the cheerful and helpful lady who helped me out will likely be out of a job next year.  Although TRICARE administrators project a $250 million savings by cutting the centers, the cost in terms of jobs and true customer satisfaction are going to be high.

At least in my humble opinion.

It’s here! Orders to Nowhere is now a book!

It’s finally here!  The first edition of Orders to Nowhere is available in print.  It will be six to eight weeks before it shows up in bookstores, and a week or so before it hits  If you want to avoid the wait, you can order it straight from the printer by clicking the cover:

Orders to Nowhere

Since you are a loyal reader and follower of the blog that got it all started, you can use the discount code ZVGYFQ28 and save 10% off the cover price.

Thank each and every one of you for reading and following my journey through transition!

Another “plan” to reduce retired veteran benefits

I wrote about not long ago about the government’s strong desire to reduce the health insurance benefit for military retirees.  The subject has reared its ugly head again with a renewed attack on retirees who are enrolled in TRICARE, the health care system for military members, their families, and retirees.

As reported in the Marine Corps Times yesterday (you can read the whole article here), Chuck Hagel, the Secretary of Defense, proposed that “working age” retirees should not be able to utilize TRICARE as their primary health care system but instead should be required to use their employer’s plan instead.  TRICARE would only be used as a secondary or backup plan.

Although the proposal is a long way from being written into legislation, it is a strong indicator that veterans are choice targets in the DOD’s battle of the budget.  Should it become law, though, it will be a significant blow to the 1.6 million veteran retirees who are currently enrolled in TRICARE but have not yet reached age 65.

Interestingly, the issue is one that impacts the Department of Defense and not the Department of Veterans Affairs, which is why the SecDef is pushing for the change.  Most benefits for veterans are covered by the VA, but in the case of retirees it is the DOD that pays the bills.  A retiree’s pension comes from the same place that it did when he or she was still in uniform: the Defense Finance and Accounting Service.  TRICARE, the military and retiree health plan, is also covered by the DOD’s budget.

And Chuck Hagel doesn’t like that very much.

The DOD continues to bang the drum of readiness, and as happens at the end of every war the organization focuses inwards to guard as much of the fiscal pie as possible from those who demand that the post-war military machine shrink in response to the wars no longer being fought.

I find that to be as normal as dawn follows darkness, but I also find the scapegoating of retirees to be a bit insulting.  It is OK for the military to squander $34 million on a useless headquarters in Afghanistan that the military commanders on the ground didn’t even want, but it is not OK for the Department of Defense to honor its commitment to those who dedicate decades of their lives to the defense of the nation.  Instead of conducting a thorough and critical review of the hundreds of billions of dollars spent (and often squandered) on defense equipment and service contracts Hagel finds it easier to go after those who actually went into harm’s way than the connected and powerful  who never left the comfort of their own living rooms.

It is an example of the oddly twisted thinking that pervades governmental agencies, and in my opinion it is just as hypocritical as the administration pushing to subsidize healthcare costs for members of congress and their staffs while ignoring small business’s pleas for relief from the costly requirements.

Anyhow, if having my promised access to health care is cut as an expedient to allow the DOD to keep squandering the taxpayer’s dollar, then so be it.

All I ask is for every military recruiter from every branch of service to explain to every prospective recruit and officer candidate that the benefits that they are being promised in exchange for the opportunity to risk their lives are not really promises.

They’re just part of the honorless practice of bait and switch.  I had always thought that we, as a nation, were better than that.

Sadly, I guess not.

Back to the Veterans Administration

Several months ago I received a rather large package from the Veterans Administration.  Inside was the copy of my medical record that I had submitted with my claim some nine months earlier as well as a sheaf of rather official looking documents.

Hooray, thought I!  My claim was settled.

Well, kind of.  Actually about half of my claim was settled, and the other half was not.

You see, as I departed active duty I was thoroughly examined by both military and veterans administration physicians as a part of the final physical process.  The Navy doctors and corpsmen checked me out and documented everything that was relevant into my records, and the VA then followed up with an examination of their own to determine what conditions, if any, that I had developed during my service would be considered disabling.  Having the conditions rated as disabling is important because the VA treats those conditions free of charge.

In my case, about half of the conditions that had been identified during my physicals were rated as disability-related conditions and would be addressed by the VA in the future.  The other half were marked as “deferred” because they needed additional information.  The letter went on to say that they had requested a medical examination, and that I would be “notified of the date, time, and place to report.”  It sounded reasonable, so all I had to do was be patient and wait.

One month went by.

Then two.  Then three.  Four.  Finally at month five I decided that my phone wasn’t going to ring any time soon and I needed to do something about it.  But what?

Thinking back to my experience at the Transition Assistance Course I remembered that a representative from the Disabled American Veterans had talked me through the VA medical evaluation process as he evaluated my medical record.  I had signed a limited power of attorney that appointed the DAV as the Veterans Service Organization that would represent me in my VA proceedings, and now it was time to give them a ring and ask for some help.

After rummaging through the rather tall pile of transition related documents that occupies a significant portion of my desk I found his business card.  “Aha!”  thought I.  “A call and it will all be fixed!”

Wrong again.

I did call the number, only to find that I was calling the wrong number.  It turns out that the gentleman that I had worked with during the TAP seminar was not the same gentleman that I would be working with in my dealings with the VA.  The guy at TAPS was fully engaged in meeting new veterans and helping get their claims processes started.  Once the veterans were in the DAV system they (including me!) would be working with representatives at their regional office located in San Diego.

So I called that number.  Unfortunately their offices were closed for the holidays, so I called back once the holidays were over.  I finally linked up with a live person and after speaking to a very nice lady who took down some basic information were instructed to wait for a representative to call me back.

After a day or two of swapping voicemails because of missed calls the DAV representative and I finally linked up on the phone.  I explained my dilemma to him, and he patiently explained what needed to happen next.

“What you have,” he said,” is a partially completed claim.  At this point there really isn’t anything the DAV can do for you because our process begins when the initial VA claim is settled.”

Sensing my frustration, he continued.

“What you need to do is to contact the VA and set up an appointment to get the ball rolling yourself.  You need to do this quickly because if you don’t follow up on the listed conditions they may be disallowed because you are not showing that they are still a problem.”  He then gave me the appropriate phone number for the closest VA office and we said our goodbyes.

Hmm… So I need to get my sore knees and bad back looked at again?  I had signed up for TRICARE Prime, so I could go to the doctor, but my decades of “sucking it up” had precluded me from making an appointment for something that did not involve broken bones or arterial bleeding.

So I called the VA the next day.  After a similar game of telephone and voicemail tag I spoke with a very helpful gentleman who understood exactly what my dilemma was.  He checked his calendar and squeezed me into an appointment this coming Wednesday, where he promised to get my ship sailing in the right direction.

And I promise to tell you how it goes…


Lessons Learned:

1.  Contact your VSO immediately after you receive your VA claim settlement letter.  I lost about five months as I waited for the VA to contact me before I finally got on the ball and started engaging the system.

2.  The VA is buried in claims and the best thing to do is to take charge of your case.  Waiting just means that others who are being proactive are jumping in line ahead of you.

3.  Your VSO can explain the intricacies of the settlement letter in a phone call, but you have to contact them to initiate the conversation.

4.  The next call you make after the VSO should be your local VA office in order to initiate the next steps in the evaluation process.  If your claim is settled, then you need to contact them to be registered in their computer system so that you can access healthcare providers.  If your claim is not fully settled, then you need to get registered and schedule appointments with the appropriate professionals in order to finish up your claim.

The little things, part 3: Dental insurance. Who knew?

A few posts ago I addressed the need to sign up for health coverage now that I have crossed over into the land of the transitioned.  It also left you, the constant reader, hanging on the edge of your seat to find out just what I would do for dental insurance.  The suspense must be killing you, so I’ll get straight to it.

TRICARE offers dental coverage, but it is under the moniker Delta Dental.  I don’t know why they call it that, but they do.  At any rate, the Delta Dental program is pretty much the same on active duty and when retired, with the principle difference being that now the retiree has to pay for it.  Before transitioning, dental care was the same as medical care – all you needed to do was go to the dental clinic and you were taken care of.  Your family, on the other hand, needed to be covered by Delta Dental in a similar manner to how they were covered by TRICARE, so it isn’t that much of a change for them if they were using the plan already.  It is a bit of a change, however, if they weren’t.  In case your family has not been using the dental plan or in case you are moving to a new home, you will have to follow the same protocol as TRICARE enrollment and find an in-plan dentist.

The decision to enroll is time sensitive, because if you wait too long there are some significant ramifications to your coverage in the form of limited coverage.  If you enroll within four months (120 days) of your retirement date then the entire range of treatments are covered (with varying deductibles and whatnot) immediately.  If not, you have to wait a year (365 days) for some expensive little things like crowns and bridges and implants and orthodontic work.  Hmmm….you say.  I don’t need braces, so maybe I’ll just roll the bones and wait to enroll until I really need dental care.  Maybe that works for you, but what about the kids?  Your decision to delay enrollment may seriously impact their ability to get orthodontic work, or more likely it will seriously impact your wallet when you find that they won’t be covered for a year because you chose not to enroll.  Probably a good idea to go ahead and sign up!

The cost is pretty reasonable, and the coverage is competitive with other dental plans.  For an individual the cost is around $45.oo per month, and for a family of four it is around $150.00 or so.  The actual rates vary by location, but these are good ballpark figures to work with.

Here is what your hard earned money gets for you:

Exams and cleanings are fully covered.

Fillings are 80/20 (meaning that Delta Dental covers 80% and you pay 20%)

Endodontics, Periodontics & Oral Surgery (root canals, gum treatment & extractions) are 60/40

Dental Accident Coverage is 100/0

Cast Crowns & Onlays, Bridges, Dentures, Implants, Orthodontics are 50/50

Deductible: $50 per person, $150 cap per family, per benefit year (Oct 1 – Sep 3o)

Maximum: $1,200 per person, per benefit year

Dental Accident Maximum: $1,000 per person, per benefit year

Orthodontic Maximum: $1,500 per person, per lifetime (good for kids with crooked teeth!)

You can check out all of the ins and outs of Delta Dental at their website.  Here is a link to a very informative pamphlet that explains the plan in much greater detail:

To get started, you must pay the first two months’ premiums up front, and you can enroll by mail, online, or by telephone.  Very convenient!  It helps if you ask the dentist that you would like to use if he or she is in the network, before enrolling.  It will make things a lot simpler because then you don’t have to play “find the dentist”.  Ask around – everyone has a dentist they like, and if your friends are former military then the odds are that they are using an in-plan provider.

So get out and find a dentist – and get moving quickly if you want to ensure immediate full coverage for you and your family.  Don’t wait for a filling to fall out or for a tooth to start aching- if you do then you will be out a lot of money that you could have saved with a phonecall and a few minutes of your time!


Lessons Learned:

1.  You are not automatically covered with a dental plan when you transition.  It is not lumped in with the TRICARE medical plan, but instead is a separate and distinct insurance product.  You need to sign up for Delta Dental just like you did for TRICARE.

2.  Time matters.  If you miss the 120 day window you are assuming some risk that can end up being very expensive should you need emergency care or braces for the kids.  Preventive care is free, so don’t wait for your teeth to start falling out!

3.  Ask around.  People generally like their dentists and are happy to share who they are.  A quick call to their office will let you know if they participate in Delta Dental (and in my experience most of them do). Once you enroll, a stop by the office with your documentation will get you into the dentist’s system and set you up for your first post-service appointment.

The little things, part 2: Health insurance. Who knew?

As a uniformed member of the U. S. Armed Forces I have been very fortunate when it comes to health care.  No matter what malady I came down with or injury I suffered medical services were always there, and they were always free.  Everything is covered, from bullet wounds to brain surgery to chipped teeth.  Pretty nice benefit to have, particularly considering the occupational hazards that come with fighting our nation’s wars.

I have never had to really think of healthcare as something outside the purview of my job, but with my transition from active duty to retirement it rose in prominence from “interesting” to “important”.  The need to obtain health coverage was discussed at the various transition briefs, but I didn’t really pay close attention because the actual date of my reintroduction to the civilian world seemed so distant.  Time passed, though, and before I knew it my EAS was just around the corner.  So, after spending some time rooting through the enormous pile of transition related pamphlets, booklets, and notes that I had amassed over the last few months I found what I was looking for: a handout from the TAP/TAMP class that had “TRICARE: Transitioning from Active Duty to Retirement” emblazoned across the top.


I read the handout, and it had just enough information to point me in the right direction so that I could find a real person to explain it all to me.  In my case, that person is a very nice lady who works on the 6th floor of the Camp Pendleton Naval Hospital, and she took pity on my when I showed up in front of her counter in my quest to ensure that I didn’t enter civilian life unprepared and uninsured.

She also educated me on the ins and outs of health insurance.  It turns out that there are several different insurance products that I could choose, and each had advantages and disadvantages when compared to the others.  Although I am eligible for healthcare through the Veterans Administration, my family isn’t.  Needless to say taking care of myself and not my family is a non-starter, so I had some decisions to make.

The first decision was which level of TRICARE did I want?  There are three basic levels.  As a retiree my family and I are automatically enrolled and covered in two plans:  TRICARE Standard and TRICARE Extra.  These plans don’t have monthly or annual fees, but instead are pay as you go, or “cost for use” plans, so although they are free if you never use them, it can get expensive if you need medical care.  The difference between the two plans is based on providers; for Standard you can be seen my doctors outside the network, but you pay higher cost shares than Extra, in which you select providers within the network and receive a discount.  Here is a link to a TRICARE flyer that gives much more information on the programs:

The other available product is TRICARE Prime.  For Prime you have to enroll and pay an annual fee of $520 a year, which seems like a lot when compared to the free healthcare options is incredibly inexpensive when compared to what people in the private sector have to pay for similar coverage.  That said, it is a benefit that military types have earned it the hard way through at least twenty years of service, a lot of which is hard on the body.  As a result, many retirees have conditions (such as combat wounds, partial deafness, and early onset osteoarthritis for example) that could be classified as “pre-existing conditions” and limit accessibility to a new healthcare provider.  So it all works out.  Here is a link to another flyer that has information on all of the available TRICARE options (of which there are a lot more than I cover in this post):

I made my decision.  Prime it would be.  As with all things governmental, though, there are a few wickets to hit in order to enroll.  The first and most important is that you must enroll before your last day in the service in order to avoid any gaps in coverage.  If you don’t seek out the TRICARE office, fill out the paperwork, and give them a check before your retirement date your level of coverage defaults to Standard or Prime.  It can be quite a risk because the potential costs associated with care of you and your family can be staggering should something happen when you are not covered by Prime.  If you don’t get around to enrolling, however, don’t despair.  You can still sign up, but you will have to wait until the next month for coverage to start.  TRICARE follows what is known as the “20th of the month” rule, which means that as long as you enroll by the 20th of the current month your coverage will begin on the 1st day of the next month.  Wait until the 21st, however, and your coverage begins on the 1st of the following month.  Needless to say, it behooves you to sign up before you get out.

There are several factors to consider when you sign up for TRICARE Prime.  As a Marine I never had to select a doctor; all I had to do was go to the Aid Station or hospital and I would be taken care of.  As a retiree, however, the option of wandering into a Regimental Aid Station to be seen evaporated.  I needed to determine who my doctor would be.

Noting my puzzled expression, the very nice TRICARE administrator talked me through the process of selecting a provider: first, she checked to see if there was a clinic within 30 minutes of my home.  If there was a clinic, then that is where I would go for care.  It turns out there was a clinic, but she quickly determined that its patient load was full, so I would have to find another provider.  She printed out a list of possibilities (including pediatricians), and after a quick telephone conversation with my spouse we picked providers.  This step is particularly important for retirees who are moving to a new home because they may or may not have access to a clinic or even a TRICARE provider.  For those moving back to the country or out of the country (because TRICARE is administered differently overseas) make sure to surf through the TRICARE website to see what options pertain to your situation:

So, after about a half hour with the most helpful and cheerful TRICARE administrator I had completed the application process.  She typed my information into her computer and presented me with a filled-in application which I reviewed and signed.  I handed it back along with a check for $130.00 to cover the first quarterly premium.  She gave me some advice, too.  “Call the TRICARE toll free telephone number in about a month,” she said, “to confirm that you are enrolled and that they received your payment.  If you don’t double check and something doesn’t go through you are not covered.  So do yourself a favor and double check!”

Sound advice.  She had obviously been around government agencies for a while.

So off I went, happy as a clam.  And then I remembered that there didn’t seem to be anything about teeth in the flyer.  Hmmm…

Sure enough, another lesson!  Medical care is different than dental care, so if I wanted my family and I to have dental coverage, I would have to apply for that, too.  And pay for it.  Retirement is getting expensive!


Lessons Learned:

1.  Do some research.  There is always a table piled high with flyers and pamphlets at transition courses and seminars, so do yourself a favor and grab one of eveything that is available.  Then, over a cup of coffee or a cocktail, sort it all out and file it away because you never know when one of those bits of paper will prove worth its weight in gold.  For me, it was the TRICARE transition flyer because it was like the Rosetta Stone of post-service healthcare.  It gave me the basic information I needed to find the right people and ensure that my family and I were covered.  The internet is great, having a sheet of paper with all the info you need precludes frantic Google searches.

2.  Don’t let your retirement date pass without enrolling in TRICARE Prime or you are taking a serious risk.  Even if you don’t want Prime, find out where your base TRICARE office is and sit down with one of the helpful administrators – they are pros who will make sure you fully understand what you are entitled to as well as what the various programs offer.

3.  If you are moving then it behooves you to closely examine which option pertains to you.  This is particularly important for those going overseas because it gets complicated very quickly.  So, if you are headed back to the family homestead on the great plains or the mountains of Tibet make sure to get all of your questions answered before you pull chocks and hit the road – TRICARE administrators are difficult to find at the base of Mount Everest.

4.  Talk it over with your family.  They get a vote.  Healthcare is a big deal; indeed a much bigger deal than I had thought.  Make sure you make the best decision for you and your family that you can.