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Insurance coverage for the SR
Views: 308
Replies to This Discussion
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Permalink Reply by Kat (MM Nuke) on
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As far as I know, it kicks in right away. When my son was in bootcamp he had to have a lot of tests done: ultra sounds, CT scan, and and MRI. All of them were covered with no out of pocket expense. They get dental exams, a good many of them get wisdom teeth removed, and lots of shots during bootcamp too. Maybe ask the recruiter about it to be sure.
Oh, and I know for sure there are kids who get injured during bootcamp and end up in the hospital for months of recovery (don't worry, it's not a lot of them, but it does happen with cracked bones, hips, etc.) and they are covered. So I'm pretty sure their insurance kicks in right away.
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Permalink Reply by salpetty on
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It does. but I would make sure they graduate (just in case) before canceling any civilian insurance.
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Permalink Reply by Diana(PO3/IT3) on
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I had this question also. However, since my daughter is still covered under my family plan with my school district, I planned on leaving her on there until after graduation and she was well into A School and committed. Thanks, Kat, for sharing your experience with it.
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You are welcome. My son has been in almost a year now. Wow how the time has flown. He left for bootcamp last Sept. 13. He's been in Goose Creek, SC since bootcamp at the Nuke school there.
He is still on our family plan because it doesn't cost us anymore or any less to have him on it or off it. I think he can stay on until he's 23, so 2 more years. We figured hey, might as well just keep it. You never know what could happen. He's got the dental too.
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I believe our children can stay on now until they are 26. It won't cost me any more or less to keep her so I think I will do the same. The Navy coverage might not cover some things my plan does. For now, I'm leaving it as is....
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Permalink Reply by Angie on
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ummm the Navy covers everything from routine check ups to ER visits, even major surgery. NO medical insurance is as in depth as the militarys for the cost out of pocket (which is nothing).
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Actually, they are not allowed to get any medical procedure or medications that weren't approve by or prescribed by the military doctors. does make it hard. When my son was home over Christmas he got real sick, probably bronchitis. He called his SLPO and was told to contact medical and they would forward a referral to the VA hospital here in Phoenix, then he would have to go to their emergency room to be seen. That is crazy. He ended up not going and started getting better a couple days later. But man did he get me sick from that, for the whole month of January.
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Kat...that is how all insurance company's work though...you can't just go to any medical place you want with an HMO...which is reality is what Tricare is. Now if it was a real emergency he could have just gone to an emergency room.
That is correct if there is a VA hospital near where the Sailor is that Sailor must go there.
But if that Sailor is in a car accident or something major and needs emergancy treatment....they just go to an ER.
Keep in mind that Sailors must go to work when they are sick, and the miltiary doc's will tell them if they are sick enough to go home.
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I wish there was a "like" button on here because I like everything Angie says. She knows what she's talking about because she's a command career counselor...meaning she's Navy and she's experienced.... Her word is gold. You can definitely trust her info!!!
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Permalink Reply by jacketfan24 (corpsman mom) on
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I am not completely sure, but I think after they are done with boot camp, since some of the recruits don't make it through due to illness or injury. I do think they take care of them while they are in BC, though, so you are mostly holding onto the insurance for a worst case scenario. I could be wrong, but I think that's how it works.
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Permalink Reply by shamar1992 on
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Does anyone here have advice on medic alert badges? Our recruit is allergic to pencillian. I have asked this question on other groups & have yet to get a response.
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Usually, one wouldn't get a medic alert bracelet for an allergy to penicillin. Many people are allergic to penicilin. This is always noted in their medical charts/records. Also, your SR will know what he or she is allergic to and will alert doctors accordingly. I've actually had a medic alert bracelet in the past because I was taking a blood thinner. It stated what I was taking and my blood type. That way if I was found unconcious and bleeding, emergency personnel could act accordingly.
I'm also allergic to a certain medication...however would not wear one for this. Just not worth the money.
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