Q: Are there any special rules for medical retirees?
A: Yes. Retirees who received disability (Chapter 61) retirements from their parent service will be exempt from the proposed increases. But those who received service-based retirements from the military and then were awarded disability ratings by the VA would be subject to the new fee hikes.
Q: Do the changes apply to TRICARE Reserve Select (TRS) and TRICARE Retired Reserve (TRR)?
A: TRS and TRR premiums, deductibles and copays would not be affected. Premiums for those plans already are based on actual program costs and the new proposals wouldn’t change that. Beneficiaries in TRS or TRR are subject to the new pharmacy copayments.
Q: Will the proposed enrollment fee and deductible increases apply to active duty family members who use TRICARE Standard?
A: No. Pentagon officials say the Standard changes will only apply to retired beneficiaries, survivors, and their families. However, active duty family members will be subject to the new pharmacy copayments for any medications obtained outside military pharmacies. The proposed TRICARE Standard fee will only apply to retired beneficiaries under 65 and their families.
Q: Your alert said that survivors of servicemembers who died on active duty would be exempt from the proposed fee increases, but what about survivors of other members? How would they be treated under TRICARE Prime and TRICARE For Life, for which the Pentagon proposes to base fees on military retired pay?
A: Pentagon leaders told us that survivors of servicemembers who died after leaving active duty would be subject to the new fee increases. We have asked how they would be treated under the income-tiering plans (e.g., whether they would be placed in the lowest income tier, or whether Survivor Benefit Plan annuities would be counted like retired pay), but have not yet received a final answer.
Q: Does the proposal envision any change to the $3,000 annual catastrophic cap on out-of-pocket expenses?
A: The proposal would increase the $3,000 cap each year by an index of health care inflation (previously estimated by DoD at about 6.5% per year). Enrollment fees would not count toward the catastrophic cap.
Q: How would retirees who are dividing retired pay with a former spouse be treated under the retired-pay-based fee tiers? Would they only count the portion of retired pay the retiree actually receives?
A: We have asked that question, but haven’t yet received an answer. MOAA opposes the whole concept of basing health care fees on retired pay or any other means-testing method. See this month’s As I See It column<http://echo4.bluehornet.com/ct/14876248:17821906893:m:1:233182234:FA3060B87D7082D4AF175D3C4D9614DF:r>.
Q: How can we stop these proposed fees?
A: Act now by sending your legislators a MOAA-suggested message<http://echo4.bluehornet.com/ct/14876249:17821906893:m:1:233182234:FA3060B87D7082D4AF175D3C4D9614DF:r> asking them to oppose disproportionate TRICARE fee increases, and then ask your friends to do the same. We’ll need the grassroots advocacy of all MOAA-members if we’re going to successfully challenge these drastic proposals.
Q: What is MOAA doing to oppose these unfair fee hikes?
A: MOAA is mobilizing its membership and has already generated nearly 75,000 messages to Capitol Hill so far this week. MOAA leaders also have started rounds of visits to Hill leaders to highlight our opposition. This coming spring, MOAA and The Military Coalition have opportunities to present our views to the House and Armed Services Committees that have purview over TRICARE. In April, we’ll bring our state Council and Chapter leaders to Washington to “Storm the Hill” on this issue
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~Patricia Campbell: Attorney practicing exclusively in divorce, child support, child custody, family law, military divorce & marriage dissolution. Practice includes Beavercreek, Fairborn, Kettering, Centerville, Dayton and surrounding areas. - Follow @OhioDivorce
