well, i have open enrollment for health insurance at my work right now and my husband also just joined the marines and will be shipped off on Nov. 5th. i was wondering how good military insurance is for dependents. dont they pay less for dependents then they do for inlisties? i just wanted to know which insurance i should go with, and if i will be covered under military insurance as soon as he leaves for boot camp? and also if anyone knows the percentage they cover for depents on certain things such as dental, etc? thanks in advance.
--------------------
First, you won't be covered by military insurance until such time as he has graduated boot (because they can terminate his enlistment at any time prior to that). So until then you're not going to be covered by his insurance benefits. Secondly, if you have a military treatment facility nearby, then it is FAR better to go with military insurance, as you will be covered 100% for all treatment at no cost (providing the MTF treats civilians -- which most do). If you don't have an MTF, then you'll have to pay co-pays, and those can be comparable to public health policies, so you'd have to do your homework and find out which is the better bargain. Dental is a pain (and again, you'll have to wait till he graduates to get coverage). While I can't speak for the Marines, the Navy coverage through Concordia is dismal. You get $1200 a year, and heaven help you if you've got SEVERE dental issues...that $1200 goes fast, after that, it's all out of pocket, not to mention that most major procedures are only covered 50%. As an example, a root canal & crown will cost about $1000....but Concordia only covers 50% of that, so $500 is out of YOUR pocket. So be prepared for that.
Source
No comments:
Post a Comment