NAVY WIVES ON N4M

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DEERS Tri care prime vs standard?

by April

Apr 17, 2011

Hi Everyone.  My husband is currently in boot camp and has PIR on May 6th.  I went this past tues and submitted my DEERS paper work and got my military ID.  I went to an air guard base.  She said that I have insurance right away when I get my ID.  However I was looking at the tri care page and it states that you have to enroll in Prime.  What is the difference between Prime and Standard? 
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    angie79

    You are automatically enrolled in Standard when enrolled in DEERS.  You do pay a percentage of your health care costs, but you have freedom to chose your doctor.  Prime you have to enroll on your own through the website.  With Prime your health care provider is done on base through a military treatment facility.  It is less out of pocket, but you don't have the same freedom.  I only have experience with the reserves version of standard and that was only for a pregnancy and delivery.  I didn't pay too much out of pocket.
    1

    Apr 17, 2011

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      Brittany proud Navy Wife :)

      they dont take money out of your check for PRIME if your Active Duty

      Apr 19, 2011

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        priscilla; FC wife

        I have standard and only paid about a total of $50 at my obgyn when I was pregnant. A one time $20 upfront co-pay & approx $30 bill after delivering (I had a private room & everything). With my primary doctor, I pay a $12 co-pay each visit.
        Prior to having standard, I had prime for over 18 years. It sucked being stuck w/a doctor you weren't comfortable with. Also, having to wait (in all my cases) forever for a referral or available appointments was not pleasant.
        Personally, I'll never go back to prime unless I absolutely have to.
        1

        Apr 21, 2011