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Typically your corporate insurance must be primary, you cannot have a high deductible plan, and you cannot take advantage of an HSA (though you can have an FSA). My employer funds my HSA so Tricare is a terrible deal. It’s better to pay out of pocket for your high deductible plan, max out your HSA, and save your medical receipts to cash out in the future. Your HSA is your single best retirement asset.
OP I always take corporate dental and do vision every other year with Tricare.
As mentioned above, Tricare is always secondary unless you’re on Medicare. Depending on my company’s plans, sometimes I’ll use theirs (then have Tricare secondary), sometimes I’ll keep just Tricare.
For me, I don’t use an HSA due to medical conditions which would increase my out of pocket but they’re a good option for people
I’ve found that Tricare Reserve Select can’t be beat in most cases for medical insurance as a young family . I paid under $65 out of pocket for both my daughters to be born - that’s a $5000 hit for even “good” insurance.
However, Tricare dental isn’t as competitive so I use my firm’s dental through MetLife.
I still contribute 6% to my Roth TSP and my main employer’s 401k so I double my money off the match.
It’s actually 60.
I kept traditional. From my calculations, doing the bare minimum and not picking up orders/extra days, my retirement will be $2200 at my current rank or $2550 if I promote.
I did this. My company offered free healthcare via Cigna. I took it because they offered certain things (tons of physical therapy a year, 25 chiropractor sessions, easy to schedule mental health stuff). I was going to cancel TriCare but decided to keep it and learned the following:
- TriCare becomes secondary - ties means you might not have to pay as much out of pocket, but also means that if your primary denies something, then so will TriCare even if they would have covered it if they were primary
- most doctors don’t know how to bill 2 insurance
- commercial pharmacy coverage can be frustrating, ex- TriCare used to cover a brand name inhaler and it was amazing. However Cigna would not cover it, but they also wouldn’t cover any generic, only a specific brand of generic. Also, getting Cigna to cover a medicine was extremely painful and in regretted walking away from TriCare as primary
I had both TRS and corporate HC for 5+ years. It was great as we very seldom had to pay anything above 15-20$ and only reason stopped was because I retired.
As mentioned above, you may have to walk your provider (or whoever is doing the billing) that Tricare is secondary, and sometimes call them back to ensure they submit to both, but the slight hassle is usually worth it.
We had a daughter and I had two surgeries,my wife one surgery and don't think I paid $100 for any of them. If you have a family, I think it's almost a no-brainer.