Hello Wise Ladies!!!
My son is a DC in Bahrain for many months already. I am a teacher and have excellent health insurance. He's always been on my insurance. I know that he's now covered under the NAVY and VA. Can I keep him on my policy til 26 years old? Do I have to take him off? Is my insurance now secondary? When he comes home on leave, can he go to our doctor?
Please advise and TIA!
You need to remove him from your insurance as his Navy insurance is his primary. Even when he's home he on leave he will use his insurance. It can cause issues if he were to use your insurance.
Do I keep it as secondary?
There is really no reason to keep it as a secondary since he has to use his Tricare.
And he shouldn't have an issue using his Tricare insurance when he is home visiting.
TY for replying!
He is covered under TriCare Prime or Prime Remote, which is excellent. Your insurance is useless overseas.
This might be helpful:
Getting Care While on Active Duty
He should plan on getting his routine checkups and such on-base, or as recommended by his command. At the very least everything will be documented correctly. Mostly, let him be responsible for his own health and dental care, and be thankful that you can.
It isn't worth having him on your plan if it costs extra and, as B noted, having secondary insurance can complicate things. Your insurance no doubt requires that you notify them if anyone on your plan may be covered by other insurance. Most private plans won't pay as secondary, or only under very limited circumstances. I have to go through some occasional rigmarole because my spouse technically has secondary Medicare Part A, and it really gums up the works if one of the providers tries to file a claim that way.