1 00:00:01,767 --> 00:00:03,200 HOST: Welcome to today's webinar titled, 2 00:00:03,200 --> 00:00:07,233 "TRICARE Open Season and Your Options." 3 00:00:07,233 --> 00:00:09,734 The appearance of hyperlinks does not constitute endorsement 4 00:00:09,734 --> 00:00:12,700 by the Department of Defense of this website, 5 00:00:12,700 --> 00:00:14,233 or the information, products, 6 00:00:14,233 --> 00:00:16,734 or services contained therein. 7 00:00:16,734 --> 00:00:18,133 For other than authorized activities 8 00:00:18,133 --> 00:00:19,800 such as military exchanges 9 00:00:19,800 --> 00:00:22,700 and Morale, Welfare, and Recreation sites, 10 00:00:22,700 --> 00:00:25,967 the Defense Department does not exercise any editorial control 11 00:00:25,967 --> 00:00:29,667 over the information you may find at these locations. 12 00:00:29,667 --> 00:00:31,500 Such links are provided consistent with the 13 00:00:31,500 --> 00:00:34,934 stated purpose of this Defense Department-sponsored webinar. 14 00:00:37,700 --> 00:00:42,200 Do you need to do anything during TRICARE Open Season? 15 00:00:42,200 --> 00:00:46,233 Open Season for TRICARE beneficiaries starts November 14 16 00:00:46,233 --> 00:00:48,767 and ends December 13. 17 00:00:48,767 --> 00:00:51,734 This is the time when most families who are enrolled in or 18 00:00:51,734 --> 00:00:55,233 eligible for TRICARE Prime or TRICARE Select 19 00:00:55,233 --> 00:00:56,967 can make changes to their TRICARE 20 00:00:56,967 --> 00:01:00,433 health care coverage for next year. 21 00:01:00,433 --> 00:01:03,500 Join us to learn about your health plan options 22 00:01:03,500 --> 00:01:06,800 and key factors to help you choose the right coverage 23 00:01:06,800 --> 00:01:10,500 for you and your family. 24 00:01:10,500 --> 00:01:13,500 We are thrilled to have with us today Zelly Zim, 25 00:01:13,500 --> 00:01:16,834 program analyst, TRICARE Health Plan Division, 26 00:01:16,834 --> 00:01:19,266 Policy and Program Section, 27 00:01:19,266 --> 00:01:21,667 Defense Health Agency. 28 00:01:21,667 --> 00:01:24,734 Without further delay, I'll turn things over to Zelly. 29 00:01:25,900 --> 00:01:27,266 ZELLY ZIM: Hey, Tina! Good afternoon 30 00:01:27,266 --> 00:01:29,000 or good morning, ladies and gentlemen. 31 00:01:29,000 --> 00:01:31,367 It's great to see that there are so many people joining us today 32 00:01:31,367 --> 00:01:33,767 to talk through this year's open season. 33 00:01:33,767 --> 00:01:35,667 Thanks for taking the time to join us. 34 00:01:35,667 --> 00:01:38,033 As was mentioned, my name is Zelly Zim and I'm a program 35 00:01:38,033 --> 00:01:40,567 and policy analyst with the TRICARE Health Plan. 36 00:01:40,567 --> 00:01:43,200 My primary role is the management of TRICARE Select 37 00:01:43,200 --> 00:01:45,967 policy, as well as requirements related to enrollment policy 38 00:01:45,967 --> 00:01:47,200 as a whole. 39 00:01:47,200 --> 00:01:49,433 Joining me for this afternoon's webinar 40 00:01:49,433 --> 00:01:51,233 are two of my wonderful colleagues— 41 00:01:51,233 --> 00:01:54,033 Ms. Shane Pham and Ms. Ali Palmer are also subject 42 00:01:54,033 --> 00:01:55,734 matter experts regarding the 43 00:01:55,734 --> 00:01:58,367 TRICARE Health Plan enrollment policy. 44 00:01:58,367 --> 00:01:59,700 We'll be walking through each of the topics 45 00:01:59,700 --> 00:02:02,533 that you see on your agenda, in front of you, 46 00:02:02,533 --> 00:02:03,800 with the goal of equipping you 47 00:02:03,800 --> 00:02:07,066 to make informed decisions about your TRICARE health plan. 48 00:02:07,066 --> 00:02:09,900 Before I begin, I'd like to just mention that TRICARE For Life 49 00:02:09,900 --> 00:02:13,133 and Medicare will not be covered during this webinar. 50 00:02:13,133 --> 00:02:15,834 TRICARE For Life is tied to Medicare enrollment, 51 00:02:15,834 --> 00:02:17,233 and TRICARE For Life coverage 52 00:02:17,233 --> 00:02:19,867 is automatic when you have Medicare Part A 53 00:02:19,867 --> 00:02:22,467 and you're paying for Medicare Part B fees. 54 00:02:22,467 --> 00:02:24,200 This means that TRICARE's open season 55 00:02:24,200 --> 00:02:28,033 does not apply to Medicare and TRICARE For Life. 56 00:02:28,033 --> 00:02:30,066 If you have more questions about TRICARE For Life, 57 00:02:30,066 --> 00:02:31,600 there was a webinar in March titled, 58 00:02:31,600 --> 00:02:33,800 "How To Get Started with Medicare and TRICARE," 59 00:02:33,800 --> 00:02:35,767 and that was recorded and is accessible 60 00:02:35,767 --> 00:02:38,433 via the Military OneSource website. 61 00:02:38,433 --> 00:02:42,033 The audio and transcript is also available from that webinar 62 00:02:42,033 --> 00:02:45,133 on the webinar section of the website, and there's also 63 00:02:45,133 --> 00:02:48,800 a series of TRICARE For Life–related podcast episodes, 64 00:02:48,800 --> 00:02:56,233 and those can be accessed at newsroom.tricare.mil/podcast. 65 00:02:56,233 --> 00:02:59,233 Additionally, to TRICARE For Life and Medicare, 66 00:02:59,233 --> 00:03:00,867 one other thing we won't be covering 67 00:03:00,867 --> 00:03:04,467 in this presentation are what we call the TRICARE Premium Plan. 68 00:03:04,467 --> 00:03:07,433 That's TRICARE Retired Reserve, TRICARE Reserve Select, 69 00:03:07,433 --> 00:03:09,200 and TRICARE Young Adult. 70 00:03:09,200 --> 00:03:12,000 Those three plans have continuous open enrollment 71 00:03:12,000 --> 00:03:14,800 to the open season window that we're discussing today— 72 00:03:14,800 --> 00:03:17,033 the one that's concurrent, is happening right now, 73 00:03:17,033 --> 00:03:19,100 and that ends December 13— 74 00:03:19,100 --> 00:03:21,700 that does not apply to those plans either. 75 00:03:21,700 --> 00:03:25,567 You can visit tricare.mil/plans/HealthPlans 76 00:03:25,567 --> 00:03:28,867 to learn more about those specific premium plans. 77 00:03:31,266 --> 00:03:32,900 So, open season is here. 78 00:03:32,900 --> 00:03:36,400 Open season occurs annually, and it begins on a Monday 79 00:03:36,400 --> 00:03:37,934 in the second full week of November 80 00:03:37,934 --> 00:03:39,800 and lasts at least 30 days. 81 00:03:39,800 --> 00:03:42,233 So for this year, we have open season up again, 82 00:03:42,233 --> 00:03:44,100 this past Monday, November 14th, 83 00:03:44,100 --> 00:03:48,367 and will be lasting until December 13th, 2022. 84 00:03:48,367 --> 00:03:50,867 Enrollment changes that you make during open season 85 00:03:50,867 --> 00:03:54,800 are all effective on January 1, 2023. 86 00:03:54,800 --> 00:03:57,500 So, the decisions you're making during open season are effective 87 00:03:57,500 --> 00:04:01,166 for the following plan year— the following calendar year. 88 00:04:01,166 --> 00:04:04,700 If you do not enroll or make changes during open season, 89 00:04:04,700 --> 00:04:07,767 your only option is to make those changes 90 00:04:07,767 --> 00:04:11,266 concurrent with a QLE—or Qualifying Life Event. 91 00:04:11,266 --> 00:04:13,433 QLEs are 90-day windows 92 00:04:13,433 --> 00:04:15,567 that you are given to make enrollment changes, 93 00:04:15,567 --> 00:04:19,533 and one important exception to the 90 days is retirement. 94 00:04:19,533 --> 00:04:21,533 The window for making changes following retirement 95 00:04:21,533 --> 00:04:24,300 can extend up to 12 months. 96 00:04:24,300 --> 00:04:27,400 If you go to tricare.mil/LifeEvents, 97 00:04:27,400 --> 00:04:30,100 you'll have more information about each of those QLEs, 98 00:04:30,100 --> 00:04:31,600 and those are the only way 99 00:04:31,600 --> 00:04:33,066 that you can make changes again 100 00:04:33,066 --> 00:04:38,066 if you're waiting outside of this open season period. 101 00:04:39,967 --> 00:04:42,900 So, these are the plans that open season applies to. 102 00:04:42,900 --> 00:04:45,834 As I mentioned, we won't be talking about the premium plans, 103 00:04:45,834 --> 00:04:48,300 and we won't be talking about TRICARE For Life. 104 00:04:48,300 --> 00:04:51,533 You can learn the specifics of each of these plans at 105 00:04:51,533 --> 00:04:54,800 tricare.mil/plans/HealthPlans, again, 106 00:04:54,800 --> 00:04:56,367 and we'll be going over the differences 107 00:04:56,367 --> 00:04:59,033 between these plans throughout this webinar. 108 00:04:59,033 --> 00:05:01,567 As you can see, the main delineation between this list 109 00:05:01,567 --> 00:05:04,266 in front of you is between Prime and Select. 110 00:05:04,266 --> 00:05:05,700 We have a lot of Prime options 111 00:05:05,700 --> 00:05:07,900 and then we have a couple of Select options. 112 00:05:07,900 --> 00:05:11,200 The different types of TRICARE Prime that you may be eligible 113 00:05:11,200 --> 00:05:14,166 for are based on your sponsor's eligibility. 114 00:05:16,500 --> 00:05:18,700 So just to reiterate, these are the plans 115 00:05:18,700 --> 00:05:21,433 where TRICARE Open Season does not apply. 116 00:05:21,433 --> 00:05:24,867 So, those are listed, and then the other group that TRICARE 117 00:05:24,867 --> 00:05:28,333 Open Season does not apply to is active duty service members. 118 00:05:28,333 --> 00:05:32,000 Active duty service members must be enrolled in TRICARE Prime, 119 00:05:32,000 --> 00:05:33,900 and they do not need to do anything 120 00:05:33,900 --> 00:05:36,000 during open season for themselves. 121 00:05:36,000 --> 00:05:37,834 They may have actions that they'd like to take 122 00:05:37,834 --> 00:05:39,600 during open season for their family members, 123 00:05:39,600 --> 00:05:44,300 of course—their beneficiaries. 124 00:05:44,300 --> 00:05:47,433 Before the webinar, we did receive another question 125 00:05:47,433 --> 00:05:50,767 about the TRICARE Young Adult and how that factors in. 126 00:05:50,767 --> 00:05:53,500 TRICARE Young Adult—again, continuous open enrollment. 127 00:05:53,500 --> 00:05:54,934 So, whenever there is a change 128 00:05:54,934 --> 00:05:57,400 for that young adult member in your family, 129 00:05:57,400 --> 00:05:58,867 you could make those changes, 130 00:05:58,867 --> 00:06:00,567 and there's more information on that at 131 00:06:00,567 --> 00:06:06,700 tricare.mil/TYA for TRICARE Young Adult. 132 00:06:07,667 --> 00:06:10,567 So, if TRICARE Open Season applies to you, 133 00:06:10,567 --> 00:06:12,433 hopefully you're still with me. 134 00:06:12,433 --> 00:06:14,734 And so, you have three options. 135 00:06:14,734 --> 00:06:17,000 So, you can stay in your current health plan. 136 00:06:17,000 --> 00:06:19,266 If you want to stay with what you have the past year, 137 00:06:19,266 --> 00:06:21,100 you don't need to take any actions, 138 00:06:21,100 --> 00:06:22,734 as long as you're still eligible 139 00:06:22,734 --> 00:06:25,300 for the same thing going forward. 140 00:06:25,300 --> 00:06:30,133 Your other option is to enroll in a health plan. 141 00:06:30,133 --> 00:06:32,467 So, if you didn't have a health plan last year, 142 00:06:32,467 --> 00:06:35,300 you can choose to begin an enrollment, 143 00:06:35,300 --> 00:06:38,600 and that would start January 1st of 2023. 144 00:06:38,600 --> 00:06:40,700 Your last option would be to change health plans, 145 00:06:40,700 --> 00:06:42,233 for whatever reason, 146 00:06:42,233 --> 00:06:44,066 either because you changed eligibility 147 00:06:44,066 --> 00:06:47,800 or because the makeup of your family changed 148 00:06:47,800 --> 00:06:49,533 or there's some reason 149 00:06:49,533 --> 00:06:52,400 why another plan is more beneficial to your family, 150 00:06:52,400 --> 00:06:54,600 you can also use this open season time period 151 00:06:54,600 --> 00:06:56,066 to change plans. 152 00:06:56,066 --> 00:06:58,500 But again, if the changes that you would like to make 153 00:06:58,500 --> 00:07:00,900 fall under the category of QLEs, 154 00:07:00,900 --> 00:07:03,567 you can do those based on the date of those changes, 155 00:07:03,567 --> 00:07:08,266 and you don't have to do those just during open season. 156 00:07:08,266 --> 00:07:10,500 Beyond sponsor status, 157 00:07:10,500 --> 00:07:13,734 DEERS also is the record of your eligibility, 158 00:07:13,734 --> 00:07:15,100 and that may factor into 159 00:07:15,100 --> 00:07:16,900 which plans are available to you. 160 00:07:16,900 --> 00:07:19,867 It's important that you keep information about your family 161 00:07:19,867 --> 00:07:22,000 and about you current in DEERS, 162 00:07:22,000 --> 00:07:23,834 and you can learn more about DEERS 163 00:07:23,834 --> 00:07:31,033 and how to make updates in DEERS at tricare.mil/deers. 164 00:07:31,033 --> 00:07:33,266 DEERS is just exceptionally important because 165 00:07:33,266 --> 00:07:36,433 the eligibility that's there is going to drive 166 00:07:36,433 --> 00:07:39,500 your understanding of which plans 167 00:07:39,500 --> 00:07:41,667 are applicable for your family. 168 00:07:43,400 --> 00:07:45,700 There's some questions that are important to consider 169 00:07:45,700 --> 00:07:47,867 before you choose your health plan. 170 00:07:47,867 --> 00:07:50,834 On the right is a list of websites that can offer more 171 00:07:50,834 --> 00:07:53,767 information as you answer these questions for your family. 172 00:07:53,767 --> 00:07:55,200 So, if we look at the first one here, 173 00:07:55,200 --> 00:07:56,667 it says, "Which plan may be eligible 174 00:07:56,667 --> 00:07:59,033 for based on your sponsor's status?" 175 00:07:59,033 --> 00:08:00,333 When you go to the plan finder, 176 00:08:00,333 --> 00:08:02,900 you'll be able to enter your sponsor status. 177 00:08:02,900 --> 00:08:06,066 You're to enter whether they're in Group A or Group B. 178 00:08:06,066 --> 00:08:09,567 You'll be able to put in where you live—all of those things— 179 00:08:09,567 --> 00:08:13,533 and look at which plans may be applicable to you. 180 00:08:13,533 --> 00:08:16,567 The second question is, "What type of Health Plan is it?" 181 00:08:16,567 --> 00:08:18,567 We'll talk a little bit more about what's the difference 182 00:08:18,567 --> 00:08:20,533 between those Prime and Select health plans, 183 00:08:20,533 --> 00:08:22,166 and then from there, 184 00:08:22,166 --> 00:08:24,700 you might need to think about what best serves 185 00:08:24,700 --> 00:08:26,433 each of your family members. 186 00:08:26,433 --> 00:08:29,433 Your whole family does not have to be in the same plan. 187 00:08:29,433 --> 00:08:33,734 So, you can make decisions based on what makes the most sense. 188 00:08:33,734 --> 00:08:35,166 The next question on there is, 189 00:08:35,166 --> 00:08:36,800 "How much will we have to pay for care?" 190 00:08:36,800 --> 00:08:39,066 So you can compare costs on the website, 191 00:08:39,066 --> 00:08:40,800 and you can also look at the costs 192 00:08:40,800 --> 00:08:43,867 that will be for the following year— 193 00:08:43,867 --> 00:08:46,300 so you can look up the calendar year '23 costs 194 00:08:46,300 --> 00:08:47,700 to see how much those are. 195 00:08:47,700 --> 00:08:51,033 You can also look at the calendar year '22 costs 196 00:08:51,033 --> 00:08:54,867 and see what the differences are as you plan ahead. 197 00:08:54,867 --> 00:08:57,033 Another question on here is whether you prefer 198 00:08:57,033 --> 00:09:00,266 getting care at a military hospital or clinic. 199 00:09:00,266 --> 00:09:02,200 That'll factor into whether you're more interested 200 00:09:02,200 --> 00:09:03,300 in Prime and Select, 201 00:09:03,300 --> 00:09:06,934 and we'll talk about that a little further. 202 00:09:06,934 --> 00:09:08,900 The second to the last question on this list is, 203 00:09:08,900 --> 00:09:11,600 "Do you want to pick your own health care provider, 204 00:09:11,600 --> 00:09:13,100 and how do referrals work?" 205 00:09:13,100 --> 00:09:15,800 So, we'll talk about PCMs— primary care managers— 206 00:09:15,800 --> 00:09:17,100 and how those can factor 207 00:09:17,100 --> 00:09:18,734 into the different health plans. 208 00:09:18,734 --> 00:09:20,133 And you might have a preference on 209 00:09:20,133 --> 00:09:22,633 how you would like your care managed. 210 00:09:22,633 --> 00:09:25,066 Do you want to be the primary care manager, in a sense, 211 00:09:25,066 --> 00:09:28,233 or do you want that to be assigned to you? 212 00:09:28,233 --> 00:09:30,667 And the last one is, "Do you expect any big life changes 213 00:09:30,667 --> 00:09:32,066 in the next year." 214 00:09:32,066 --> 00:09:34,767 If you're going to have life changes that may affect what 215 00:09:34,767 --> 00:09:39,066 type of care you might need, that may factor into your plan choice 216 00:09:39,066 --> 00:09:42,567 and then also how much you might want to spend on a health plan. 217 00:09:44,500 --> 00:09:46,133 So, as I mentioned previously, 218 00:09:46,133 --> 00:09:49,867 TRICARE Prime is mandatory for active-duty service members, 219 00:09:49,867 --> 00:09:51,767 but again, they don't need to take action 220 00:09:51,767 --> 00:09:53,333 during open season. 221 00:09:53,333 --> 00:09:57,500 Otherwise, TRICARE Prime eligibility is mostly 222 00:09:57,500 --> 00:10:00,834 for those service members and their families. 223 00:10:00,834 --> 00:10:04,033 It can also apply for retirees and their family members 224 00:10:04,033 --> 00:10:05,700 and then a few others. 225 00:10:05,700 --> 00:10:07,600 But the main thing about TRICARE Prime is that 226 00:10:07,600 --> 00:10:11,066 you must live in a Prime Service Area. 227 00:10:11,066 --> 00:10:13,500 To find out if you live in a Prime Service Area, 228 00:10:13,500 --> 00:10:17,300 you can go to tricare.mil/PSA, 229 00:10:17,300 --> 00:10:20,166 and the plan finder tool there will include 230 00:10:20,166 --> 00:10:21,300 entering your ZIP code, 231 00:10:21,300 --> 00:10:24,400 which lets you know what is available in your area. 232 00:10:24,400 --> 00:10:29,367 There are a few other options for TRICARE Prime, 233 00:10:29,367 --> 00:10:30,934 and they're listed here. 234 00:10:30,934 --> 00:10:32,700 You have TRICARE Prime Remote, 235 00:10:32,700 --> 00:10:35,000 you have the US Family Health Plan 236 00:10:35,000 --> 00:10:36,934 and you have TRICARE Prime Overseas 237 00:10:36,934 --> 00:10:39,200 and TRICARE Prime Remote Overseas. 238 00:10:39,200 --> 00:10:42,767 Those options are generally not available for retirees, 239 00:10:42,767 --> 00:10:44,900 but for active duty family members, 240 00:10:44,900 --> 00:10:47,367 those maybe options for you. 241 00:10:47,367 --> 00:10:50,967 TRICARE Prime Remote and US Family Health Plan, 242 00:10:50,967 --> 00:10:52,633 TRICARE Prime Overseas— 243 00:10:52,633 --> 00:10:55,233 all of those are based off of where you live. 244 00:10:55,233 --> 00:10:58,667 So they function similar to the PSAs that we're talking about— 245 00:10:58,667 --> 00:11:01,233 the Prime Service Areas within the United States— 246 00:11:01,233 --> 00:11:03,900 but their requirements are more narrow than that. 247 00:11:03,900 --> 00:11:06,233 So, for example, for the US Family Health Plan, 248 00:11:06,233 --> 00:11:09,533 that's only offered in six areas of the United States, 249 00:11:09,533 --> 00:11:10,967 and most of the areas— 250 00:11:10,967 --> 00:11:14,467 it's upper New England, Southern Texas, and Louisiana, 251 00:11:14,467 --> 00:11:16,667 and then up in Washington State. 252 00:11:16,667 --> 00:11:20,033 So, the specific plan that you're eligible for 253 00:11:20,033 --> 00:11:22,934 if you want TRICARE Prime could be further narrowed 254 00:11:22,934 --> 00:11:25,834 if you live in one of those specific areas. 255 00:11:28,233 --> 00:11:30,400 In regards to getting care with TRICARE Prime, 256 00:11:30,400 --> 00:11:32,767 I'd like to explain a little bit about how it works, 257 00:11:32,767 --> 00:11:35,967 and this is where we'll start really looking 258 00:11:35,967 --> 00:11:38,633 at the differences between Prime and Select. 259 00:11:38,633 --> 00:11:42,367 So, TRICARE Prime is similar to an HMO 260 00:11:42,367 --> 00:11:43,834 on the private sector side. 261 00:11:43,834 --> 00:11:45,967 They'll require that you have a primary care manager 262 00:11:45,967 --> 00:11:49,066 and that you get referrals for your specialty care. 263 00:11:49,066 --> 00:11:51,367 So, you'll get the most out of— 264 00:11:51,367 --> 00:11:54,800 most of your routine care from your primary care manager, 265 00:11:54,800 --> 00:11:57,100 and your primary care manager can be 266 00:11:57,100 --> 00:11:59,967 a civilian network provider, it could be at an MTF. 267 00:11:59,967 --> 00:12:03,300 You could also be underneath the US Family Health Plan. 268 00:12:03,300 --> 00:12:05,900 Your PCM would then refer you out for care 269 00:12:05,900 --> 00:12:07,934 that they don't provide at their facility, 270 00:12:07,934 --> 00:12:09,700 and then they'll work with the TRICARE 271 00:12:09,700 --> 00:12:12,133 regional contractors for your referrals 272 00:12:12,133 --> 00:12:14,400 and your authorization. 273 00:12:14,400 --> 00:12:16,700 So, for TRICARE Prime, it's important to remember that 274 00:12:16,700 --> 00:12:18,400 that requires referrals 275 00:12:18,400 --> 00:12:21,000 and that you're living within a Prime Service Area 276 00:12:21,000 --> 00:12:23,700 and you have a primary care manager. 277 00:12:23,700 --> 00:12:28,400 You need to also remember that TRICARE Prime generally features 278 00:12:28,400 --> 00:12:32,300 the use of military treatment hospitals as facilities 279 00:12:32,300 --> 00:12:35,967 and clinics, and there are four special cases of TRICARE Prime 280 00:12:35,967 --> 00:12:38,700 that we looked at on the previous slide. 281 00:12:38,700 --> 00:12:41,800 So, you have TRICARE Prime Remote, TRICARE Prime Overseas, 282 00:12:41,800 --> 00:12:45,233 TRICARE Prime Remote Overseas, and the US Family Health Plans. 283 00:12:45,233 --> 00:12:48,100 Those special cases do not apply to retirees. 284 00:12:48,100 --> 00:12:50,500 So, for retirees, if the TRICARE Prime option is 285 00:12:50,500 --> 00:12:51,734 what you're interested in, 286 00:12:51,734 --> 00:12:55,667 then it would just be the TRICARE Prime Plan. 287 00:12:55,667 --> 00:12:57,967 It's not one of these special cases. 288 00:12:57,967 --> 00:13:00,767 You can look up covered services at the link 289 00:13:00,767 --> 00:13:04,600 at the bottom of this slide— tricare.mil/coverageservices. 290 00:13:04,600 --> 00:13:05,900 And this could be very important 291 00:13:05,900 --> 00:13:08,700 when you look at what your family, 292 00:13:08,700 --> 00:13:11,400 what your needs specifically are, to see if those 293 00:13:11,400 --> 00:13:15,166 would be covered within the specific plan 294 00:13:15,166 --> 00:13:19,400 and where your PCM might be based off of the plan 295 00:13:19,400 --> 00:13:21,700 that you're in if you choose TRICARE Prime. 296 00:13:23,767 --> 00:13:25,233 So, talking about costs, 297 00:13:25,233 --> 00:13:27,967 we have out-of-pocket costs with TRICARE Prime 298 00:13:27,967 --> 00:13:29,533 and in comparison to Select, 299 00:13:29,533 --> 00:13:34,300 Prime is generally has lower out-of-pocket costs. 300 00:13:34,300 --> 00:13:37,100 When you follow the rules of the TRICARE Prime plan— 301 00:13:37,100 --> 00:13:38,467 and by that one of the things 302 00:13:38,467 --> 00:13:40,300 I'm talking about is you're living within 303 00:13:40,300 --> 00:13:42,700 the PSA specifically— 304 00:13:42,700 --> 00:13:44,166 those out-of-pocket costs that you'll have 305 00:13:44,166 --> 00:13:46,967 will be limited to your catastrophic cap. 306 00:13:46,967 --> 00:13:50,000 The cost that you pay under the point-of-service option 307 00:13:50,000 --> 00:13:52,400 don't apply towards your catastrophic cap. 308 00:13:52,400 --> 00:13:56,467 "Point of service" refers to the non-emergent health care services 309 00:13:56,467 --> 00:13:59,500 that you get from any TRICARE- authorized civilian provider in 310 00:13:59,500 --> 00:14:02,300 or out of network without requesting 311 00:14:02,300 --> 00:14:03,900 a referral for your PCM. 312 00:14:03,900 --> 00:14:07,133 Just to rephrase, any costs that you pay point of service 313 00:14:07,133 --> 00:14:10,200 or without referrals don't count towards your "cat cap," 314 00:14:10,200 --> 00:14:11,433 and that's really important. 315 00:14:11,433 --> 00:14:13,066 So, you only contribute to your "cat cap" 316 00:14:13,066 --> 00:14:15,166 with your copayments themselves. 317 00:14:15,166 --> 00:14:18,133 There's also no deductible with TRICARE Prime. 318 00:14:18,133 --> 00:14:22,333 You can look up the 2023 costs and fees, 319 00:14:22,333 --> 00:14:25,467 and you can compare costs between the different plans 320 00:14:25,467 --> 00:14:29,000 and look at how these out-of-pocket costs factor 321 00:14:29,000 --> 00:14:30,600 between Select and Prime, 322 00:14:30,600 --> 00:14:33,066 and you can do that at the compare cost. 323 00:14:33,066 --> 00:14:34,734 The link is at the bottom of the page 324 00:14:34,734 --> 00:14:37,300 and you can also go to tricare.mil/cost— 325 00:14:37,300 --> 00:14:39,400 that's another place that you can find 326 00:14:39,400 --> 00:14:43,500 more information about this one. 327 00:14:43,500 --> 00:14:45,000 So here we have TRICARE Select. 328 00:14:45,000 --> 00:14:49,133 So, TRICARE Select is most similar to a PPO plan, 329 00:14:49,133 --> 00:14:50,567 if you're familiar with that, 330 00:14:50,567 --> 00:14:53,633 and this is for beneficiaries that are not enrolled 331 00:14:53,633 --> 00:14:56,700 in TRICARE Prime and they're not entitled to Medicare. 332 00:14:56,700 --> 00:15:00,200 So, if you are in TRICARE Select, 333 00:15:00,200 --> 00:15:03,467 you do not have to live within a Prime Service Area. 334 00:15:03,467 --> 00:15:06,433 So, you have choice in that aspect 335 00:15:06,433 --> 00:15:10,166 and you also cannot be entitled to Medicare 336 00:15:10,166 --> 00:15:12,567 if you would like to have TRICARE Select. 337 00:15:12,567 --> 00:15:14,567 So, those who are eligible for TRICARE Select, 338 00:15:14,567 --> 00:15:16,767 we're looking at active duty family members, 339 00:15:16,767 --> 00:15:19,000 retirees, and retired family members. 340 00:15:19,000 --> 00:15:21,433 So, for retirees and their family members, 341 00:15:21,433 --> 00:15:24,834 that would mean that this is before the age of 65 342 00:15:24,834 --> 00:15:26,600 or before the time that they 343 00:15:26,600 --> 00:15:29,300 are otherwise eligible for Medicare. 344 00:15:29,300 --> 00:15:31,033 TRICARE Select Overseas, 345 00:15:31,033 --> 00:15:34,700 is also available if you do live overseas. 346 00:15:34,700 --> 00:15:38,633 TRICARE Select Overseas is the same as here in the sense that 347 00:15:38,633 --> 00:15:42,133 you can manage your own care and you can go to TRICARE 348 00:15:42,133 --> 00:15:44,867 providers of your choice while you're overseas. 349 00:15:44,867 --> 00:15:47,433 And then just again, as a reminder, 350 00:15:47,433 --> 00:15:48,734 active duty service members 351 00:15:48,734 --> 00:15:51,000 may not use TRICARE Select, but their family members 352 00:15:51,000 --> 00:15:54,633 can be enrolled into TRICARE Select. 353 00:15:57,233 --> 00:15:59,467 So as I mentioned, TRICARE Select allows you to choose your 354 00:15:59,467 --> 00:16:03,066 own TRICARE-authorized provider rather than having a PCM, 355 00:16:03,066 --> 00:16:06,934 and that means that you don't necessarily need to live 356 00:16:06,934 --> 00:16:08,934 within the PSA. You can live wherever, 357 00:16:08,934 --> 00:16:12,433 and you also may have lower out-of-pocket costs 358 00:16:12,433 --> 00:16:15,767 if you choose TRICARE- authorized network providers. 359 00:16:15,767 --> 00:16:17,867 If you choose a provider who isn't a 360 00:16:17,867 --> 00:16:20,266 TRICARE-authorized provider, you won't be reimbursed. 361 00:16:20,266 --> 00:16:21,734 So, you're going to do have the 362 00:16:21,734 --> 00:16:24,767 full cost of that as your responsibility. 363 00:16:24,767 --> 00:16:27,433 If you want to look to see if a current provider 364 00:16:27,433 --> 00:16:29,734 that you have is a TRICARE network provider, 365 00:16:29,734 --> 00:16:32,066 you can go to the Find a Doctor Tool, 366 00:16:32,066 --> 00:16:34,033 or you can call you regional contractor 367 00:16:34,033 --> 00:16:35,633 specifically to find out. 368 00:16:35,633 --> 00:16:38,700 And then that might be something that factors into your decision 369 00:16:38,700 --> 00:16:41,066 and your choice for whether you pick Select. 370 00:16:41,066 --> 00:16:44,100 You might find that if you stay with Select, you can keep a PCM 371 00:16:44,100 --> 00:16:45,700 that you really work well with, 372 00:16:45,700 --> 00:16:49,000 and that might be the best option for you. 373 00:16:49,000 --> 00:16:50,900 Another piece here is that you don't need a referral 374 00:16:50,900 --> 00:16:53,400 or pre-authorization in most situations 375 00:16:53,400 --> 00:16:54,800 when you have TRICARE Select, 376 00:16:54,800 --> 00:16:57,667 so that's taking out one step, 377 00:16:57,667 --> 00:17:00,900 when you would like to go to seek additional care 378 00:17:00,900 --> 00:17:03,967 and TRICARE Select does have a deductible, 379 00:17:03,967 --> 00:17:06,300 unlike TRICARE Prime, 380 00:17:06,300 --> 00:17:08,767 and we'll go into that on the next slide. 381 00:17:09,934 --> 00:17:12,266 So the out-of-pocket costs with the TRICARE Select 382 00:17:12,266 --> 00:17:15,033 tend to be higher than for TRICARE Prime, 383 00:17:15,033 --> 00:17:17,000 and this is because of the choice aspect. 384 00:17:17,000 --> 00:17:19,667 With TRICARE Select, there's the annual deductible 385 00:17:19,667 --> 00:17:21,533 for your TRICARE-covered services. 386 00:17:21,533 --> 00:17:23,700 Deductibles are just those allowable costs 387 00:17:23,700 --> 00:17:27,867 or charges for covered outpatient services or supplies, 388 00:17:27,867 --> 00:17:30,700 and the deductibles— just like the "cat caps" 389 00:17:30,700 --> 00:17:32,800 and all the other fees that we've mentioned— 390 00:17:32,800 --> 00:17:35,000 those are determined calendar year basis. 391 00:17:35,000 --> 00:17:37,900 With TRICARE Select, after your deductible is met, 392 00:17:37,900 --> 00:17:41,133 you pay a per-visit copayment. 393 00:17:41,133 --> 00:17:42,700 Your out-of-pocket costs are then 394 00:17:42,700 --> 00:17:44,967 limited to your catastrophic cap, 395 00:17:44,967 --> 00:17:47,233 and you'll want to pay attention to the in-network 396 00:17:47,233 --> 00:17:49,967 and non-network costs because as I said, 397 00:17:49,967 --> 00:17:52,066 if you go out of network, 398 00:17:52,066 --> 00:17:56,967 you're going to have the brunt of those costs on you as well. 399 00:17:56,967 --> 00:17:59,900 So then at the end again—just reminding you of these 400 00:17:59,900 --> 00:18:02,033 great tools that you have at your disposal at 401 00:18:02,033 --> 00:18:04,100 tricare.mil/CompareCosts. 402 00:18:04,100 --> 00:18:07,300 You can look at the 2023 health plan costs 403 00:18:07,300 --> 00:18:10,500 and see if it might be an option that makes sense for you. 404 00:18:12,467 --> 00:18:16,767 So, the two big cost differences between Prime and Select 405 00:18:16,767 --> 00:18:18,266 are the fact that Select ends up 406 00:18:18,266 --> 00:18:20,100 with higher out-of-pocket costs, 407 00:18:20,100 --> 00:18:22,934 and this is primarily because Select has a deductible, 408 00:18:22,934 --> 00:18:24,266 and you're paying for the ability 409 00:18:24,266 --> 00:18:25,867 to choose where to get your care. 410 00:18:25,867 --> 00:18:28,867 Select is most similar to private sector PPO option, 411 00:18:28,867 --> 00:18:33,266 while Prime is most similar to the HMO option. 412 00:18:33,266 --> 00:18:35,767 Another big differentiation between Prime and Select 413 00:18:35,767 --> 00:18:37,600 are location requirements, right? 414 00:18:37,600 --> 00:18:41,767 So, for Prime, you must live in a PSA. For USFHP, 415 00:18:41,767 --> 00:18:44,433 which is one way to get TRICARE Prime, 416 00:18:44,433 --> 00:18:47,700 you have to live in specifically one of their coverage areas. 417 00:18:47,700 --> 00:18:51,800 And then for TRICARE Select, you can live wherever. 418 00:18:51,800 --> 00:18:54,066 At the start of the webinar, before we started, 419 00:18:54,066 --> 00:18:56,133 we received a question about the difference between 420 00:18:56,133 --> 00:18:59,500 Prime and Select as it relates to care at the MTF. 421 00:18:59,500 --> 00:19:03,800 If you have TRICARE Prime, and your PCM is at the MTF, 422 00:19:03,800 --> 00:19:05,834 you'll have priority at that MTF. 423 00:19:05,834 --> 00:19:07,300 However, if you have Select, 424 00:19:07,300 --> 00:19:09,300 you can still go to the MTF for care, 425 00:19:09,300 --> 00:19:11,467 but you do not have priority. 426 00:19:11,467 --> 00:19:14,667 If you have Prime through USFHP though, you do not have 427 00:19:14,667 --> 00:19:17,467 the option to be seen at the MTF at all. 428 00:19:17,467 --> 00:19:21,667 So that's just one point that we wanted to make on this slide. 429 00:19:21,667 --> 00:19:23,100 And this side of this chart, 430 00:19:23,100 --> 00:19:25,433 there are a few other notes in here about the deductibles. 431 00:19:25,433 --> 00:19:28,033 We talked about that—about where you can receive care, 432 00:19:28,033 --> 00:19:30,166 about pre-authorization, 433 00:19:30,166 --> 00:19:33,133 referrals being required for TRICARE Prime 434 00:19:33,133 --> 00:19:35,567 and often not required for TRICARE Select 435 00:19:35,567 --> 00:19:38,467 and then just lastly, the concept of 436 00:19:38,467 --> 00:19:41,033 whether you're really the one managing your care 437 00:19:41,033 --> 00:19:43,266 and choosing your TRICARE authorized providers 438 00:19:43,266 --> 00:19:46,300 or if you leave that responsibility to 439 00:19:46,300 --> 00:19:48,300 your trusted primary care manager. 440 00:19:50,767 --> 00:19:52,867 So now that you kind of have an idea of 441 00:19:52,867 --> 00:19:55,133 what the different plans look like, 442 00:19:55,133 --> 00:19:57,667 you may be wondering how to actually make the changes 443 00:19:57,667 --> 00:19:59,100 that you need to make. 444 00:19:59,100 --> 00:20:01,200 So, you have some options. 445 00:20:01,200 --> 00:20:02,700 You can make those changes online 446 00:20:02,700 --> 00:20:04,400 by logging into milConnect, 447 00:20:04,400 --> 00:20:06,033 and you can log in with your CAC, 448 00:20:06,033 --> 00:20:08,100 or you can log in with a DS logon. 449 00:20:08,100 --> 00:20:11,567 You can call your contractor—and there's contact information 450 00:20:11,567 --> 00:20:15,967 for all the contractors at tricare.mil/partners. 451 00:20:15,967 --> 00:20:19,600 You can also mail in your enrollment form. 452 00:20:19,600 --> 00:20:22,400 You can find the forms themselves for download 453 00:20:22,400 --> 00:20:24,700 and then the addresses for the contractors 454 00:20:24,700 --> 00:20:26,834 at tricare.mil/forms. 455 00:20:26,834 --> 00:20:30,166 And then in-person—if you like to do enrollment that way— 456 00:20:30,166 --> 00:20:32,834 that's only an option if you are overseas. 457 00:20:32,834 --> 00:20:34,233 And so to do that, 458 00:20:34,233 --> 00:20:37,066 you need to visit an overseas TRICARE Service Center. 459 00:20:37,066 --> 00:20:40,033 Otherwise, the other three options are 460 00:20:40,033 --> 00:20:42,133 what you would have CONUS. 461 00:20:42,133 --> 00:20:43,834 And lastly, there's one more website on there 462 00:20:43,834 --> 00:20:47,266 for your reference— trictricare.mil/enroll— 463 00:20:47,266 --> 00:20:48,967 and that will give you some more information 464 00:20:48,967 --> 00:20:50,934 about enrollment in general. 465 00:20:50,934 --> 00:20:53,233 But if you need to make any changes outside of open season, 466 00:20:53,233 --> 00:20:56,367 which is this period that we're in through December 13th, 467 00:20:56,367 --> 00:20:59,200 you have to have a QLE. 468 00:20:59,200 --> 00:21:01,100 And again, I just like to reiterate 469 00:21:01,100 --> 00:21:03,433 that retirement itself is a QLE. 470 00:21:03,433 --> 00:21:06,900 We had a couple questions about that before the webinar as well. 471 00:21:06,900 --> 00:21:09,800 A change in status to retiree means that you can make changes 472 00:21:09,800 --> 00:21:12,900 to your health plan or enroll in a new plan. 473 00:21:12,900 --> 00:21:14,400 We received a specific question about 474 00:21:14,400 --> 00:21:17,800 what to do during open season if your retirement date is, 475 00:21:17,800 --> 00:21:21,533 for example, December 1st of this year, 2022. 476 00:21:21,533 --> 00:21:24,400 If you have that as your retirement date, 477 00:21:24,400 --> 00:21:26,633 you would have a QLE at that point, 478 00:21:26,633 --> 00:21:28,233 which means that you could enroll 479 00:21:28,233 --> 00:21:29,500 and care for yourself 480 00:21:29,500 --> 00:21:31,367 and your family effective December 1st. 481 00:21:31,367 --> 00:21:34,033 It would be in your interest to use the QLE 482 00:21:34,033 --> 00:21:36,467 to choose a plan for your family and for yourself 483 00:21:36,467 --> 00:21:39,266 as opposed to doing it through open season, 484 00:21:39,266 --> 00:21:41,033 because the changes you're making open season 485 00:21:41,033 --> 00:21:44,700 will not be effective until January 1st of 2023. 486 00:21:44,700 --> 00:21:46,900 So, it makes most sense if your retirement date 487 00:21:46,900 --> 00:21:48,367 is somewhere between 488 00:21:48,367 --> 00:21:52,166 now and the end of the year to use the QLE 489 00:21:52,166 --> 00:21:54,400 so that you have care immediately— 490 00:21:54,400 --> 00:21:57,900 effective your retirement date— rather than in January. 491 00:21:57,900 --> 00:22:00,600 Lastly, for this slide, you just need to make sure that 492 00:22:00,600 --> 00:22:03,433 you remember that these are active choices. 493 00:22:03,433 --> 00:22:05,967 So, you need to enroll in a plan if you desire coverage 494 00:22:05,967 --> 00:22:07,900 for civilian or private sector care. 495 00:22:07,900 --> 00:22:10,500 If you do not take action during open season, 496 00:22:10,500 --> 00:22:12,433 you'll lose TRICARE coverage 497 00:22:12,433 --> 00:22:14,900 and may only be eligible for care at military hospitals 498 00:22:14,900 --> 00:22:16,734 or clinics if space is available 499 00:22:16,734 --> 00:22:18,967 or until the next open season. 500 00:22:18,967 --> 00:22:20,200 The only exception here is if 501 00:22:20,200 --> 00:22:21,734 you're currently enrolled in a plan 502 00:22:21,734 --> 00:22:24,266 and you choose to make no changes, and in that case, 503 00:22:24,266 --> 00:22:26,767 your plan for calendar year 2023 504 00:22:26,767 --> 00:22:28,800 will be the exact same as what you have 505 00:22:28,800 --> 00:22:31,767 for calendar year 2022, as long as there are no changes 506 00:22:31,767 --> 00:22:33,367 to your eligibility. 507 00:22:34,700 --> 00:22:36,867 When it comes to making those enrollment changes, 508 00:22:36,867 --> 00:22:39,100 one of the things that's very important is DEERS. 509 00:22:39,100 --> 00:22:42,734 I did mention how DEERS is our repository for eligibility, 510 00:22:42,734 --> 00:22:44,767 and that means that TRICARE looks 511 00:22:44,767 --> 00:22:47,567 to DEERS to find out whether or not you're eligible. 512 00:22:47,567 --> 00:22:50,800 TRICARE cannot do anything to change your eligibility, 513 00:22:50,800 --> 00:22:52,800 and if there's an issue with your eligibility, 514 00:22:52,800 --> 00:22:57,867 that needs to be reviewed with your uniformed service. 515 00:22:57,867 --> 00:23:00,333 So, the TRICARE Health Plan and our private sector care 516 00:23:00,333 --> 00:23:03,100 contractors that support the health plan look directly 517 00:23:03,100 --> 00:23:06,867 to the services for those eligibility determinations. 518 00:23:06,867 --> 00:23:09,100 The TRICARE Health Plan Division cannot affect 519 00:23:09,100 --> 00:23:11,900 or change or edit that eligibility on your behalf. 520 00:23:11,900 --> 00:23:13,467 And so, the information we have 521 00:23:13,467 --> 00:23:16,000 and that we use to provide you information 522 00:23:16,000 --> 00:23:20,166 on your option is what we pull directly from DEERS. 523 00:23:20,166 --> 00:23:22,900 Any issues that you have with eligibility dates, timelines, 524 00:23:22,900 --> 00:23:25,166 or beneficiaries under your account must be addressed 525 00:23:25,166 --> 00:23:27,033 through your service personnel office 526 00:23:27,033 --> 00:23:28,700 and reflected in DEERS. 527 00:23:28,700 --> 00:23:30,533 And once that's reflected in DEERS, 528 00:23:30,533 --> 00:23:32,133 then the TRICARE Health Plan 529 00:23:32,133 --> 00:23:34,400 or the private sector care contractors 530 00:23:34,400 --> 00:23:37,600 can make changes based on that eligibility. 531 00:23:37,600 --> 00:23:41,100 That's why maintaining DEERS is of utmost importance. 532 00:23:41,100 --> 00:23:42,967 So, we want to make sure that your information 533 00:23:42,967 --> 00:23:45,033 in there is correct to include your address, 534 00:23:45,033 --> 00:23:47,900 to include your beneficiaries— everything like that. 535 00:23:47,900 --> 00:23:51,367 And then you have, on the slide, your options for updating DEERS— 536 00:23:51,367 --> 00:23:52,734 so you have online, phone, 537 00:23:52,734 --> 00:23:55,233 and in-person options for updating DEERS, 538 00:23:55,233 --> 00:23:57,967 and you can learn more about DEERS, again, at 539 00:23:57,967 --> 00:24:01,800 www.tricare.mil/deers. 540 00:24:01,800 --> 00:24:04,700 If you're concerns are specific to just enrollment 541 00:24:04,700 --> 00:24:06,300 and not the eligibility, 542 00:24:06,300 --> 00:24:09,633 you can definitely then call your TRICARE contractor. 543 00:24:11,900 --> 00:24:16,133 So, we're focused on the TRICARE Health Plan Open Season, 544 00:24:16,133 --> 00:24:19,300 but this is also the Federal Benefits Open Season 545 00:24:19,300 --> 00:24:20,800 And this is important 546 00:24:20,800 --> 00:24:23,233 because that's where you may be looking 547 00:24:23,233 --> 00:24:26,166 to get your dental and vision coverage. 548 00:24:26,166 --> 00:24:30,500 The FEDVIP program is administered by OPM— 549 00:24:30,500 --> 00:24:32,400 the Office of Personnel Management— 550 00:24:32,400 --> 00:24:34,734 and their open season is almost the same as ours. 551 00:24:34,734 --> 00:24:36,633 So, we started the same day on November 14th, 552 00:24:36,633 --> 00:24:38,266 and they end one day sooner than us— 553 00:24:38,266 --> 00:24:40,300 they end on December 12th. 554 00:24:40,300 --> 00:24:43,934 And the enrollment changes that you make during open season 555 00:24:43,934 --> 00:24:48,934 with FEDVIP are also effective January 1st, 2023, 556 00:24:48,934 --> 00:24:50,233 just like the open season changes 557 00:24:50,233 --> 00:24:54,133 that you make here with the TRICARE health plan. 558 00:24:54,133 --> 00:24:55,834 Just like with the health plan, 559 00:24:55,834 --> 00:24:57,200 if you don't want to change anything 560 00:24:57,200 --> 00:24:58,867 that you currently have with FEDVIP, 561 00:24:58,867 --> 00:25:02,500 you'll automatically be enrolled in your 2023 plan, 562 00:25:02,500 --> 00:25:04,266 and you don't need to do anything. 563 00:25:04,266 --> 00:25:08,133 And another thing to mention about FEDVIP is that you need to 564 00:25:08,133 --> 00:25:10,633 be enrolled in a TRICARE health plan to be eligible 565 00:25:10,633 --> 00:25:13,633 for FEDVIP Vision specifically. 566 00:25:13,633 --> 00:25:15,500 There are a couple of websites on here that are helpful. 567 00:25:15,500 --> 00:25:17,266 The BENEFEDS website— 568 00:25:17,266 --> 00:25:21,166 you can go there to check eligibility and also to enroll. 569 00:25:21,166 --> 00:25:24,567 That's their enrollment platform, and you can learn more about 570 00:25:24,567 --> 00:25:28,100 FEDVIP. And they actually have a webinar as well, 571 00:25:28,100 --> 00:25:32,266 and the link for that is at the bottom here of the slide. 572 00:25:34,266 --> 00:25:36,734 So, this goes through your FEDVIP eligibility 573 00:25:36,734 --> 00:25:38,667 as it compares to TRICARE. 574 00:25:38,667 --> 00:25:40,467 So, over on the left side of this chart, 575 00:25:40,467 --> 00:25:43,400 you have the different types of TRICARE beneficiaries 576 00:25:43,400 --> 00:25:44,600 that we have and then 577 00:25:44,600 --> 00:25:47,533 whether or not they qualify for FEDVIP Dental. 578 00:25:47,533 --> 00:25:49,166 So, our active duty service members— 579 00:25:49,166 --> 00:25:50,467 they're the "no's" across the board— 580 00:25:50,467 --> 00:25:52,266 and that's because they're covered through 581 00:25:52,266 --> 00:25:54,600 the TRICARE Dental Program. 582 00:25:54,600 --> 00:25:57,600 And then for family members— again, family members 583 00:25:57,600 --> 00:25:59,900 can also qualify to the TRICARE Dental Program. 584 00:25:59,900 --> 00:26:03,567 But for their vision, that can be covered via FEDVIP. 585 00:26:03,567 --> 00:26:05,300 And we have reserve component members 586 00:26:05,300 --> 00:26:06,867 and their family members— 587 00:26:06,867 --> 00:26:08,900 they're also eligible for dental. 588 00:26:08,900 --> 00:26:11,433 And then we have retired service members 589 00:26:11,433 --> 00:26:13,066 and their family members who are in Prime, 590 00:26:13,066 --> 00:26:15,066 Select, or TRICARE For Life. 591 00:26:15,066 --> 00:26:17,867 They're all eligible for FEDVIP— 592 00:26:17,867 --> 00:26:21,467 and then for both dental and for vision. 593 00:26:21,467 --> 00:26:23,433 So, again, you have to be enrolled in a TRICARE plan 594 00:26:23,433 --> 00:26:24,900 to have FEDVIP Vision. 595 00:26:24,900 --> 00:26:28,834 So, as an example—if we look at the last row on this chart— 596 00:26:28,834 --> 00:26:31,066 a retired service member, 597 00:26:31,066 --> 00:26:34,033 if they are ineligible for TRICARE For Life 598 00:26:34,033 --> 00:26:38,000 because they don't have Medicare Part B, then of course, 599 00:26:38,000 --> 00:26:41,633 they would not have eligibility for FEDVIP Vision. 600 00:26:41,633 --> 00:26:46,400 But a retired service member who is eligible for Prime or Select, 601 00:26:46,400 --> 00:26:48,767 if they enroll in Prime or Select, 602 00:26:48,767 --> 00:26:53,367 they can have FEDVIP for vision. 603 00:26:55,600 --> 00:26:57,700 So, there is a wealth of information available online 604 00:26:57,700 --> 00:26:59,767 regarding the different plan options, 605 00:26:59,767 --> 00:27:03,133 and I'd encourage you to look up the TRICARE publications. 606 00:27:03,133 --> 00:27:04,734 There's a few of them that are here. 607 00:27:04,734 --> 00:27:07,934 This is a snapshot of what's available for download at 608 00:27:07,934 --> 00:27:10,233 tricare.mil/publications. 609 00:27:10,233 --> 00:27:12,834 Each brochure goes through the information we've covered today 610 00:27:12,834 --> 00:27:15,767 and also incorporates it with information 611 00:27:15,767 --> 00:27:17,233 from many of the websites 612 00:27:17,233 --> 00:27:19,100 that I've mentioned throughout the webinar. 613 00:27:19,100 --> 00:27:21,500 Each locations are a great place to start as you learn 614 00:27:21,500 --> 00:27:23,667 more about your coverage options. 615 00:27:23,667 --> 00:27:25,433 Tricare.mil is the perfect hub 616 00:27:25,433 --> 00:27:27,633 where you can also look up past webinars 617 00:27:27,633 --> 00:27:29,467 and articles with more information 618 00:27:29,467 --> 00:27:30,800 about each of the plan options 619 00:27:30,800 --> 00:27:32,467 and open season, to include the costs 620 00:27:32,467 --> 00:27:35,734 and fees for calendar year 2023. 621 00:27:37,900 --> 00:27:41,100 Here's contact information for your TRICARE contractors. 622 00:27:41,100 --> 00:27:43,000 They can help you understand enrollment. 623 00:27:43,000 --> 00:27:44,433 Remember, however, that 624 00:27:44,433 --> 00:27:47,166 if your question is specifically about your eligibility, 625 00:27:47,166 --> 00:27:48,500 please direct those to your uniformed 626 00:27:48,500 --> 00:27:50,133 service personnel office. 627 00:27:50,133 --> 00:27:51,700 You have a few different options for 628 00:27:51,700 --> 00:27:53,767 how to contact your contractors here, 629 00:27:53,767 --> 00:27:56,066 and they'll be able to answer most of the questions 630 00:27:56,066 --> 00:27:59,300 that you have about any differentiations between 631 00:27:59,300 --> 00:28:02,633 Prime and Select and what's offered in your area after you— 632 00:28:02,633 --> 00:28:06,934 of course—use the Compare Plans Tool and the Plan Finder Tool on 633 00:28:06,934 --> 00:28:09,633 the tricare.mil website. 634 00:28:11,500 --> 00:28:13,767 Throughout this discussion, I've mentioned tools 635 00:28:13,767 --> 00:28:15,166 where you can enter information 636 00:28:15,166 --> 00:28:16,867 and get more tailored responses. 637 00:28:16,867 --> 00:28:20,000 In addition to the pages listed on this slide, 638 00:28:20,000 --> 00:28:21,767 you can of course use the Plan Finder, 639 00:28:21,767 --> 00:28:24,266 which will allow you to enter your sponsor status, 640 00:28:24,266 --> 00:28:27,433 Medicare eligibility, location—things like that— 641 00:28:27,433 --> 00:28:28,900 and you can compare plans or cost, 642 00:28:28,900 --> 00:28:30,667 you can research covered services, 643 00:28:30,667 --> 00:28:33,834 and you can also use the Formulary Search Tool 644 00:28:33,834 --> 00:28:35,767 for pharmacy needs. 645 00:28:35,767 --> 00:28:38,567 When you're using those tools and researching online, 646 00:28:38,567 --> 00:28:40,567 you may actually also notice 647 00:28:40,567 --> 00:28:42,133 reference to "Group A" and "Group B," 648 00:28:42,133 --> 00:28:44,133 and I think I mentioned it in passing. 649 00:28:44,133 --> 00:28:45,700 But for the purpose of enrollment fees, 650 00:28:45,700 --> 00:28:47,133 cost-sharing, deductible, 651 00:28:47,133 --> 00:28:49,867 "cat caps," TRICARE Prime and TRICARE Select 652 00:28:49,867 --> 00:28:53,133 enrollees are classified in one of those two groups. 653 00:28:53,133 --> 00:28:54,967 They're generally based on the sponsor's date of 654 00:28:54,967 --> 00:28:56,633 initial service. 655 00:28:56,633 --> 00:29:00,133 So, before January 1st, 2018, that's Group A, 656 00:29:00,133 --> 00:29:03,033 and after January 1st, 2018 is Group B. 657 00:29:03,033 --> 00:29:04,266 You just need to take note of that 658 00:29:04,266 --> 00:29:06,934 and use that information when you navigate these tools 659 00:29:06,934 --> 00:29:09,100 and you read through these websites. 660 00:29:09,100 --> 00:29:10,667 If you're a surviving family member 661 00:29:10,667 --> 00:29:12,533 or you are medically retired, 662 00:29:12,533 --> 00:29:14,900 there're cost considerations that are specific to you, 663 00:29:14,900 --> 00:29:17,133 that you'll discover as you use these tools— 664 00:29:17,133 --> 00:29:18,867 there's a place to enter those. 665 00:29:18,867 --> 00:29:21,433 For example, if your sponsor was Group A, 666 00:29:21,433 --> 00:29:24,767 which means an initial service date before January 1st, 2018, 667 00:29:24,767 --> 00:29:29,100 you don't actually pay TRICARE Select enrollment fees. 668 00:29:29,100 --> 00:29:31,266 You can also sign up for email updates— 669 00:29:31,266 --> 00:29:33,467 that's at the bottom here— 670 00:29:33,467 --> 00:29:36,433 or follow TRICARE on social media for 671 00:29:36,433 --> 00:29:39,467 additional updates and tips. 672 00:29:39,467 --> 00:29:42,233 And the email updates are in that red box over on the side, 673 00:29:42,233 --> 00:29:44,800 and the social media ones are at the bottom of this slide. 674 00:29:47,433 --> 00:29:49,600 So, with that, we've reached the portion of our presentation 675 00:29:49,600 --> 00:29:51,166 where we'd love to hear from you. 676 00:29:51,166 --> 00:29:53,233 I've several colleagues that have joined me, as I mentioned, 677 00:29:53,233 --> 00:29:55,133 and we look forward to answering 678 00:29:55,133 --> 00:29:57,133 as many of your questions as possible. 679 00:29:57,133 --> 00:29:59,767 As a reminder, we won't be addressing TRICARE For Life 680 00:29:59,767 --> 00:30:03,467 or the premium plans as open season does not apply to them. 681 00:30:03,467 --> 00:30:05,467 But we look forward to all the other questions 682 00:30:05,467 --> 00:30:08,000 that you have related to open season as a whole, 683 00:30:08,000 --> 00:30:10,266 TRICARE Prime, and TRICARE Select. 684 00:30:10,266 --> 00:30:12,200 And I'll turn it back over to the moderator to kick us off 685 00:30:12,200 --> 00:30:13,767 with the first question. 686 00:30:14,900 --> 00:30:16,500 HOST: Thanks so much, Zelly. 687 00:30:16,500 --> 00:30:21,400 Open season has started, and I've tried to make changes online. 688 00:30:21,400 --> 00:30:23,834 The DS Logon has been down. 689 00:30:23,834 --> 00:30:25,433 How do I make changes? 690 00:30:27,266 --> 00:30:29,633 ZIM: I think that's an unfortunate technical difficulty. 691 00:30:29,633 --> 00:30:32,233 I'd encourage you to try again. 692 00:30:32,233 --> 00:30:35,033 The DS Logon might have periods where it's down, 693 00:30:35,033 --> 00:30:36,500 but it should come back up quickly. 694 00:30:36,500 --> 00:30:40,367 We haven't been aware of any ongoing outages so you should be 695 00:30:40,367 --> 00:30:43,934 able to log back in so that you can access BWE. 696 00:30:43,934 --> 00:30:45,700 You can also log in with a CAC 697 00:30:45,700 --> 00:30:48,467 if you have one of those available to you, 698 00:30:48,467 --> 00:30:50,400 either through yourself or through your sponsor. 699 00:30:52,600 --> 00:30:54,533 HOST: I will be eligible for TRICARE Select 700 00:30:54,533 --> 00:30:56,200 after TRICARE Open Season ends. 701 00:30:56,200 --> 00:30:57,700 How should I enroll? 702 00:31:00,200 --> 00:31:01,734 ZIM: So if you will be eligible for Select, 703 00:31:01,734 --> 00:31:04,533 that means that you're having a change in eligibility 704 00:31:04,533 --> 00:31:06,734 and that would be a Qualifying Life Event. 705 00:31:06,734 --> 00:31:10,867 So, you can enroll at that time, still using BWE— 706 00:31:10,867 --> 00:31:12,734 so you would still use your DS logon 707 00:31:12,734 --> 00:31:15,400 or your CAC on the milConnect website— 708 00:31:15,400 --> 00:31:16,867 or you can call in 709 00:31:16,867 --> 00:31:19,266 and you can have your enrollment effective 710 00:31:19,266 --> 00:31:20,967 the date of your eligibility. 711 00:31:20,967 --> 00:31:24,200 So it's fine if that eligibility date is outside of open season 712 00:31:24,200 --> 00:31:26,200 because that would be a QLE. 713 00:31:28,100 --> 00:31:31,967 HOST: I've been direct care-only since the end of 2021. 714 00:31:31,967 --> 00:31:36,500 Since I didn't enroll during open season, can I enroll now? 715 00:31:36,500 --> 00:31:37,734 ZIM: Yes, please do. 716 00:31:37,734 --> 00:31:39,133 Please open during— 717 00:31:39,133 --> 00:31:40,767 please enroll during Open Season this year. 718 00:31:40,767 --> 00:31:43,400 You have until December 13th to do so. 719 00:31:46,467 --> 00:31:48,767 HOST: My doctors aren't TRICARE providers. 720 00:31:48,767 --> 00:31:51,734 Can I still use them and be covered by TRICARE Select? 721 00:31:54,100 --> 00:31:57,633 ZIM: Yes, you can, but it will cost you more because 722 00:31:57,633 --> 00:32:01,266 those would be non-network providers as we discussed, 723 00:32:01,266 --> 00:32:03,500 so those fees might be very high. 724 00:32:03,500 --> 00:32:06,800 We would highly recommend that you look up 725 00:32:06,800 --> 00:32:09,300 a TRICARE-authorized provider 726 00:32:09,300 --> 00:32:10,900 and make sure that you're using those 727 00:32:10,900 --> 00:32:12,867 so that you can get the most out of your 728 00:32:12,867 --> 00:32:15,533 TRICARE Select enrollment fees and cost-share. 729 00:32:17,700 --> 00:32:20,066 HOST: This is the first time I'm enrolling, 730 00:32:20,066 --> 00:32:21,734 and I got married in October 731 00:32:21,734 --> 00:32:24,166 and want to add my new spouse but can't get 732 00:32:24,166 --> 00:32:27,600 an appointment to update DEERS at an ID facility 733 00:32:27,600 --> 00:32:30,066 until after open season. 734 00:32:30,066 --> 00:32:32,000 Will I be able to enroll her now 735 00:32:32,000 --> 00:32:34,767 or after she is input into DEERS? 736 00:32:36,600 --> 00:32:39,367 ZIM: Your new spouse will need to be in DEERS 737 00:32:39,367 --> 00:32:41,533 before you're able to enroll her. 738 00:32:41,533 --> 00:32:44,033 However, when that information gets in DEERS, 739 00:32:44,033 --> 00:32:47,066 it should have a date that is retroactive, 740 00:32:47,066 --> 00:32:48,600 and if it does have a retroactive date, 741 00:32:48,600 --> 00:32:52,667 then the retroactive date can be used for her eligibility 742 00:32:52,667 --> 00:32:54,834 even if that's outside open season. 743 00:32:54,834 --> 00:32:57,200 Because marriage is a Qualifying Life Event— 744 00:32:57,200 --> 00:32:59,667 and so we can go based off of the date 745 00:32:59,667 --> 00:33:01,433 for that Qualifying Life Event— 746 00:33:01,433 --> 00:33:02,734 we don't have to do that 747 00:33:02,734 --> 00:33:05,333 just based off of this open season time period. 748 00:33:08,433 --> 00:33:10,600 HOST: I'll turn 60 years old in December. 749 00:33:10,600 --> 00:33:13,233 How soon can I sign up for TRICARE? 750 00:33:14,934 --> 00:33:16,900 ZIM: I could be missing a couple pieces of information. 751 00:33:16,900 --> 00:33:20,066 So if they are 60 and they do not currently have TRICARE, 752 00:33:20,066 --> 00:33:24,600 my guess is that this is a retired Reservist perhaps. 753 00:33:24,600 --> 00:33:30,266 So, they can sign up for TRICARE at their 60th birthday 754 00:33:30,266 --> 00:33:33,834 and the eligibility would also be based off of 755 00:33:33,834 --> 00:33:36,266 whether or not they have Medicare. 756 00:33:36,266 --> 00:33:41,033 So they can sign up for either Prime or Select— 757 00:33:41,033 --> 00:33:42,467 and they do need to make sure 758 00:33:42,467 --> 00:33:43,934 that their personnel office has the 759 00:33:43,934 --> 00:33:49,834 information of their retirement and when that date was on file 760 00:33:49,834 --> 00:33:53,100 so that their eligibility is reflected in DEERS. 761 00:33:55,266 --> 00:34:00,400 HOST: What if we have Prime but then move outside of the PSA? 762 00:34:02,233 --> 00:34:04,934 ZIM: You need to make sure that you update your address 763 00:34:04,934 --> 00:34:06,667 when you move outside the PSA. 764 00:34:06,667 --> 00:34:11,066 If your new address means that you are in a new PSA, 765 00:34:11,066 --> 00:34:13,233 then you could enroll in Prime there. 766 00:34:13,233 --> 00:34:16,500 Change of address—or moving or PCSing— 767 00:34:16,500 --> 00:34:18,300 that's a Qualifying Life Event. 768 00:34:18,300 --> 00:34:23,266 But if you move outside the PSA and you no longer— 769 00:34:23,266 --> 00:34:25,500 you would have to have TRICARE Select 770 00:34:25,500 --> 00:34:28,166 if you're no longer in a new PSA. 771 00:34:28,166 --> 00:34:29,400 So it's important to make sure that 772 00:34:29,400 --> 00:34:31,533 those addresses are up to date in DEERS 773 00:34:31,533 --> 00:34:33,867 so that you don't end up with costs 774 00:34:33,867 --> 00:34:36,400 and fees that do not match the plan 775 00:34:36,400 --> 00:34:40,867 that you think you are entitled to or eligible for. 776 00:34:42,767 --> 00:34:45,400 HOST: I am currently not enrolled. 777 00:34:45,400 --> 00:34:48,867 I am undecided on Prime or Select. 778 00:34:48,867 --> 00:34:53,367 I do not see my current doctor on the Prime list for PCM, 779 00:34:53,367 --> 00:34:55,367 so I guess I have to enroll in Select 780 00:34:55,367 --> 00:34:57,567 to keep my current doctor. 781 00:34:59,533 --> 00:35:02,700 ZIM: If you would like to keep that specific doctor, yes, 782 00:35:02,700 --> 00:35:04,900 enrolling in Select would be the best option, 783 00:35:04,900 --> 00:35:07,967 but you can also double-check with your provider. 784 00:35:07,967 --> 00:35:10,000 If you don't see them online, 785 00:35:10,000 --> 00:35:12,500 you can double-check with them to verify whether or not 786 00:35:12,500 --> 00:35:14,133 they take TRICARE Select 787 00:35:14,133 --> 00:35:15,567 and I would also suggest 788 00:35:15,567 --> 00:35:19,600 that you talk to your TRICARE contractor so that 789 00:35:19,600 --> 00:35:22,266 they can verify that before you make any changes 790 00:35:22,266 --> 00:35:24,233 or final decisions about your health plan. 791 00:35:26,500 --> 00:35:29,400 HOST: My wife retires mid-year. 792 00:35:29,400 --> 00:35:31,734 She is already in TRICARE Select. 793 00:35:31,734 --> 00:35:34,233 To continue that, do I have to do anything? 794 00:35:35,967 --> 00:35:38,400 ZIM: She needs to do something when she retires. 795 00:35:38,400 --> 00:35:41,300 So when she retires, she will have to make sure that 796 00:35:41,300 --> 00:35:43,667 she enrolls in TRICARE Select, 797 00:35:43,667 --> 00:35:45,200 if that's what she would like to keep, 798 00:35:45,200 --> 00:35:47,266 because retirement is a Qualifying Life Event, 799 00:35:47,266 --> 00:35:49,100 and you have to actually take action 800 00:35:49,100 --> 00:35:51,567 to keep what you are eligible at that time. 801 00:35:51,567 --> 00:35:55,467 And then for you, if you are her dependent, 802 00:35:55,467 --> 00:36:01,200 then you can also make the change based off of her QLE. 803 00:36:01,200 --> 00:36:03,567 So at her retirement date, you can also make a change about 804 00:36:03,567 --> 00:36:06,967 what plan you are eligible for. 805 00:36:08,300 --> 00:36:10,300 HOST: As a retiree who will lose 806 00:36:10,300 --> 00:36:12,500 private health insurance in March, 807 00:36:12,500 --> 00:36:16,834 is that a QLE, or should I sign up during open enrollment? 808 00:36:18,633 --> 00:36:21,567 ZIM: Loss of eligibility is a Qualifying Life Event, 809 00:36:21,567 --> 00:36:24,233 so that can be taken care of in March. 810 00:36:26,533 --> 00:36:30,500 HOST: What happens if you're enrolled in TRICARE Prime for 2023 811 00:36:30,500 --> 00:36:35,200 but you will become Medicare eligible in July of 2023? 812 00:36:37,400 --> 00:36:39,433 ZIM: The point where you become Medicare eligible 813 00:36:39,433 --> 00:36:41,100 would be your Qualifying Life Event, 814 00:36:41,100 --> 00:36:42,767 so that's when things would change. 815 00:36:42,767 --> 00:36:44,467 Once you become Medicare eligible, 816 00:36:44,467 --> 00:36:46,266 if you sign up for Medicate Part B, 817 00:36:46,266 --> 00:36:48,400 then you'd have the option to—well, 818 00:36:48,400 --> 00:36:51,400 then you would be eligible for TRICARE For Life. 819 00:36:51,400 --> 00:36:53,200 You don't have to do anything to have TRICARE For Life, 820 00:36:53,200 --> 00:36:54,500 but you do need to make sure 821 00:36:54,500 --> 00:36:56,266 that as soon as you're eligible for Medicare, 822 00:36:56,266 --> 00:36:59,200 you go ahead and sign up for Medicare 823 00:36:59,200 --> 00:37:01,133 and pay your Part B premium. 824 00:37:01,133 --> 00:37:03,533 And just as an extra thing on that, for Medicare, 825 00:37:03,533 --> 00:37:06,433 you can make sure to do your enrollment 826 00:37:06,433 --> 00:37:08,467 up to three months before your birthday 827 00:37:08,467 --> 00:37:10,834 just so that you're sure that you don't have a gap 828 00:37:10,834 --> 00:37:14,500 in coverage between your transition from whatever plan 829 00:37:14,500 --> 00:37:17,133 you have now and then into TRICARE For Life. 830 00:37:19,300 --> 00:37:23,066 HOST: Does moving to another state equal a life change event in 831 00:37:23,066 --> 00:37:26,734 order to make any changes to our health and dental benefits? 832 00:37:28,500 --> 00:37:30,533 ZIM: Yes, moving to another state qualifies 833 00:37:30,533 --> 00:37:32,066 as a Qualifying Life Event, 834 00:37:32,066 --> 00:37:34,767 so you can make changes based off of that. 835 00:37:34,767 --> 00:37:38,700 For TRICARE, you have a 90-day window in order to do that, 836 00:37:38,700 --> 00:37:40,767 and you can also check the BENEFEDS website 837 00:37:40,767 --> 00:37:42,633 for their Qualifying Life Events 838 00:37:42,633 --> 00:37:45,800 related to FEDVIP for vision and dental. 839 00:37:47,533 --> 00:37:50,967 HOST: I'm a retiree and enrolled in TRICARE Prime. 840 00:37:50,967 --> 00:37:55,400 My wife will be 65 in January 2023. 841 00:37:55,400 --> 00:37:57,200 I understand she'll automatically 842 00:37:57,200 --> 00:37:59,567 be enrolled in TRICARE For Life. 843 00:37:59,567 --> 00:38:02,767 My question is, do I have to do anything through DEERS 844 00:38:02,767 --> 00:38:04,200 or will everything be done 845 00:38:04,200 --> 00:38:06,333 automatically through the system? 846 00:38:06,333 --> 00:38:08,600 For example, what happens with billing? 847 00:38:08,600 --> 00:38:12,333 Do I go down from a family plan to a single plan? 848 00:38:12,333 --> 00:38:14,533 Thank you. 849 00:38:14,533 --> 00:38:17,367 ZIM: When your spouse becomes eligible for Medicare 850 00:38:17,367 --> 00:38:19,567 when they turn 65, 851 00:38:19,567 --> 00:38:22,800 as long as they pay for Part B premiums 852 00:38:22,800 --> 00:38:25,233 then they're eligible for TRICARE For Life. 853 00:38:25,233 --> 00:38:28,133 And then when that change is made, 854 00:38:28,133 --> 00:38:29,633 it needs to be made in DEERS, 855 00:38:29,633 --> 00:38:31,533 and that's how TRICARE will know that 856 00:38:31,533 --> 00:38:33,433 your spouse is eligible for TRICARE For Life. 857 00:38:33,433 --> 00:38:34,967 Once that change is made in DEERS, 858 00:38:34,967 --> 00:38:36,767 because that is a Qualifying Life Event, 859 00:38:36,767 --> 00:38:39,266 you can make any changes to your plan— 860 00:38:39,266 --> 00:38:42,066 your health plan—as you would desire at that point. 861 00:38:42,066 --> 00:38:46,900 So if you do need to make any edits, you can do that then. 862 00:38:49,133 --> 00:38:52,934 HOST: My birthday is May of 2023. 863 00:38:52,934 --> 00:38:56,000 I have TRICARE and FEDVIP. 864 00:38:56,000 --> 00:38:58,066 What action should I take now? 865 00:39:00,633 --> 00:39:05,100 ZIM: You don't have to take any action now unless you want to. 866 00:39:05,100 --> 00:39:09,834 If you take action now, it will be effective January of 2023, 867 00:39:09,834 --> 00:39:11,300 but you would also find yourself 868 00:39:11,300 --> 00:39:13,667 with another period of being able to take action 869 00:39:13,667 --> 00:39:17,467 around your birthday in May for another 90-day period. 870 00:39:17,467 --> 00:39:20,467 So if you like what you have now in terms of your health, 871 00:39:20,467 --> 00:39:22,300 vision, and dental care, 872 00:39:22,300 --> 00:39:25,467 you don't need to do anything during open season. 873 00:39:27,934 --> 00:39:32,000 HOST: If your sponsor is eligible for TRICARE Select but spouse 874 00:39:32,000 --> 00:39:35,800 and family members aren't, how do you calculate fees? 875 00:39:38,633 --> 00:39:42,700 ZIM: You only need to be paying for what you're receiving. 876 00:39:42,700 --> 00:39:45,500 I can't think of a situation where the sponsor 877 00:39:45,500 --> 00:39:48,300 would be eligible and the spouse 878 00:39:48,300 --> 00:39:51,834 and dependent children would not be. 879 00:39:51,834 --> 00:39:55,700 So if that person has more specifics on their question 880 00:39:55,700 --> 00:39:57,533 and they'd like to send that in, 881 00:39:57,533 --> 00:40:00,300 we can try to answer that offline. 882 00:40:00,300 --> 00:40:03,467 But you would only be paying for what you have. 883 00:40:03,467 --> 00:40:05,400 So if only the sponsor has TRICARE, 884 00:40:05,400 --> 00:40:07,700 then you're going to pay the individual TRICARE fee. 885 00:40:07,700 --> 00:40:09,800 And then maybe if the spouse 886 00:40:09,800 --> 00:40:12,400 and kids are on an employer-sponsored plan 887 00:40:12,400 --> 00:40:13,467 or something like that, 888 00:40:13,467 --> 00:40:15,000 you're not paying a family fee for that, 889 00:40:15,000 --> 00:40:17,400 because they're not being covered by TRICARE. 890 00:40:17,400 --> 00:40:19,066 HOST: Thank you. 891 00:40:19,066 --> 00:40:22,934 Is there a deductible for Prime? 892 00:40:22,934 --> 00:40:24,734 ZIM: No, there's not a deductible for Prime. 893 00:40:24,734 --> 00:40:27,200 There's only a deductible for TRICARE Select. 894 00:40:30,066 --> 00:40:34,900 HOST: Do surviving spouses pay enrollment fees? 895 00:40:34,900 --> 00:40:38,100 No, surviving spouses do not pay enrollment fees. 896 00:40:40,367 --> 00:40:42,667 HOST: Okay. And then also on the enrollment fees— 897 00:40:42,667 --> 00:40:44,133 ZIM: At one point— 898 00:40:44,133 --> 00:40:45,934 HOST: Go ahead. ZIM: Sorry, surviving spouses— 899 00:40:45,934 --> 00:40:48,500 Shane is going to add one other thing for that. 900 00:40:48,500 --> 00:40:49,967 So Shane is another one of my colleagues 901 00:40:49,967 --> 00:40:53,000 here in TRICARE Policy and Programs. 902 00:40:53,000 --> 00:40:55,667 SHANE PHAM: Forgive me for not having the time periods memorized, 903 00:40:55,667 --> 00:40:59,800 but there are time periods set, 904 00:40:59,800 --> 00:41:03,567 so they may have to pay after— 905 00:41:03,567 --> 00:41:05,233 I think it's three years— 906 00:41:05,233 --> 00:41:08,266 and if there's any other co-workers on here 907 00:41:08,266 --> 00:41:11,900 that remember the time frame, please speak up now. 908 00:41:11,900 --> 00:41:14,467 CALVIN KELLER: This is Calvin Keller at DHA Communications, 909 00:41:14,467 --> 00:41:16,000 and Shane is correct, 910 00:41:16,000 --> 00:41:19,567 after three years the spouse pays a retiree rate 911 00:41:19,567 --> 00:41:22,166 for the TRICARE Prime benefit. 912 00:41:23,533 --> 00:41:25,133 PHAM: Thank you for clarifying that one, Calvin. 913 00:41:25,133 --> 00:41:27,400 ZIM: Thank you, Calvin. 914 00:41:27,400 --> 00:41:30,567 HOST: Is the enrollment fee an annual fee that is separate 915 00:41:30,567 --> 00:41:34,934 from the monthly payments we pay for our health plan then? 916 00:41:34,934 --> 00:41:36,600 ZIM: No. Currently you have the option 917 00:41:36,600 --> 00:41:39,867 to pay either annually or monthly. 918 00:41:39,867 --> 00:41:42,934 So you're paying either once a year 919 00:41:42,934 --> 00:41:44,834 and you're paying your whole enrollment fee 920 00:41:44,834 --> 00:41:48,000 or you're paying it monthly throughout the year. 921 00:41:48,000 --> 00:41:51,266 and then your other fees are based off of which plan you pick, 922 00:41:51,266 --> 00:41:56,433 and so you can see that on the Costs and Fees Sheet. 923 00:41:56,433 --> 00:41:58,533 HOST: I'm currently still getting health insurance 924 00:41:58,533 --> 00:42:00,834 through my current employer. 925 00:42:00,834 --> 00:42:03,533 I want to supplement that with TRICARE. 926 00:42:03,533 --> 00:42:06,633 Can I do that? 927 00:42:06,633 --> 00:42:08,867 ZIM: Yes, you can do that if you would like to pay 928 00:42:08,867 --> 00:42:11,567 an enrollment fee for a TRICARE plan. 929 00:42:11,567 --> 00:42:13,633 just remember that the TRICARE plan 930 00:42:13,633 --> 00:42:15,133 would be the secondary payer 931 00:42:15,133 --> 00:42:18,300 if you have another employer-sponsored health plan. 932 00:42:20,500 --> 00:42:25,000 HOST: OK. Are we able to ask for a specific PCM 933 00:42:25,000 --> 00:42:26,800 if we are TRICARE Prime, 934 00:42:26,800 --> 00:42:31,734 or do we have to stick with the one we're assigned to? 935 00:42:31,734 --> 00:42:35,433 ZIM: You can request to change your PCM if you're TRICARE Prime. 936 00:42:35,433 --> 00:42:39,033 You just need to call your contractor in order to do that. 937 00:42:42,300 --> 00:42:45,533 HOST: How do I get connected to a regional contractor? 938 00:42:47,500 --> 00:42:50,667 ZIM: There was a previous slide that had the contact information 939 00:42:50,667 --> 00:42:52,633 for the different regional contractors, 940 00:42:52,633 --> 00:42:54,000 and so you can look up 941 00:42:54,000 --> 00:42:57,166 their phone number and also their websites. 942 00:42:57,166 --> 00:42:59,800 And if you go on the tricare.mil website 943 00:42:59,800 --> 00:43:01,333 and you look at the different plans— 944 00:43:01,333 --> 00:43:02,633 look at the Plan Finder— 945 00:43:02,633 --> 00:43:06,233 you'll be able to tell which plans are available to you 946 00:43:06,233 --> 00:43:07,900 in the area that you're in, 947 00:43:07,900 --> 00:43:11,700 and by doing so, you'll know which contractor to contact. 948 00:43:13,967 --> 00:43:16,600 HOST: OK. If you live in two different areas of the U.S.— 949 00:43:16,600 --> 00:43:18,667 summer and winter residents— 950 00:43:18,667 --> 00:43:22,467 how do you get primary care providers in both locations? 951 00:43:24,834 --> 00:43:27,400 ZIM: The best way to do that would be to have TRICARE Select, 952 00:43:27,400 --> 00:43:30,734 because then you can get health care in both locations, 953 00:43:30,734 --> 00:43:34,266 and you could have the equivalent of a 954 00:43:34,266 --> 00:43:36,867 primary care manager in both of those locations. 955 00:43:36,867 --> 00:43:38,133 If you have TRICARE Prime, 956 00:43:38,133 --> 00:43:40,433 you will not have the option to do so. 957 00:43:40,433 --> 00:43:42,600 You would have to go travel back to the location of your 958 00:43:42,600 --> 00:43:45,734 TRICARE Prime PCM whenever you wanted care 959 00:43:45,734 --> 00:43:48,967 or you needed a referral from them— 960 00:43:48,967 --> 00:43:51,900 of course, unless they had telehealth capabilities to 961 00:43:51,900 --> 00:43:56,867 support the fact that you were not there for part of the year. 962 00:43:56,867 --> 00:43:58,433 HOST: Thank you. 963 00:43:58,433 --> 00:44:03,567 I'm retired and now live in a remote area and not in a PSA. 964 00:44:03,567 --> 00:44:05,467 Can I still select Prime if I don't mind 965 00:44:05,467 --> 00:44:08,867 driving to a PSA for care? 966 00:44:08,867 --> 00:44:11,600 ZIM: No, because TRICARE Prime is based on your address where 967 00:44:11,600 --> 00:44:16,333 you're actually living and it's made to maximize the readiness 968 00:44:16,333 --> 00:44:18,433 of those military treatment facilities. 969 00:44:18,433 --> 00:44:21,834 So for you, the best option would be TRICARE Select. 970 00:44:23,700 --> 00:44:29,433 HOST: OK. Can you explain the "cat cap"? How does it work? 971 00:44:29,433 --> 00:44:32,433 ZIM: So the catastrophic cap is the maximum amount 972 00:44:32,433 --> 00:44:35,400 that you could have to pay during a plan year, 973 00:44:35,400 --> 00:44:37,600 so those are posted for each of the different plans 974 00:44:37,600 --> 00:44:39,133 on the Costs and Fees Sheet. 975 00:44:39,133 --> 00:44:42,133 And so everything that you pay— when you pay your copays, 976 00:44:42,133 --> 00:44:43,700 every time you go to the doctor— 977 00:44:43,700 --> 00:44:45,767 that counts towards your "cat cap," 978 00:44:45,767 --> 00:44:47,233 as long as it's in network. 979 00:44:47,233 --> 00:44:50,500 So for TRICARE Prime, for example, you have a $30 copay. 980 00:44:50,500 --> 00:44:52,400 every time you pay that $30 copay, 981 00:44:52,400 --> 00:44:54,367 it's adding up to your catastrophic cap. 982 00:44:54,367 --> 00:44:56,734 Once you get to a point where you've exceeded 983 00:44:56,734 --> 00:45:00,467 your catastrophic cap, those fees are covered. 984 00:45:00,467 --> 00:45:05,100 If you go to receive care out of network however, 985 00:45:05,100 --> 00:45:08,066 then that amount that you pay out of network 986 00:45:08,066 --> 00:45:10,433 doesn't count towards your catastrophic cap, 987 00:45:10,433 --> 00:45:12,834 so that's the mechanism to encourage you 988 00:45:12,834 --> 00:45:16,133 to seek care within the network. 989 00:45:16,133 --> 00:45:18,300 And it's protecting you by limiting the amount of 990 00:45:18,300 --> 00:45:21,166 out-of-pocket expenses you could pay for TRICARE-covered 991 00:45:21,166 --> 00:45:24,133 medical services within a single plan year. 992 00:45:26,100 --> 00:45:32,433 HOST: Did you say that retirees are not eligible for the USFHP? 993 00:45:32,433 --> 00:45:36,266 We live in an area with a Johns Hopkins program. 994 00:45:36,266 --> 00:45:39,400 ZIM: Retirees are eligible for USFHP. 995 00:45:39,400 --> 00:45:43,667 Active duty members are not eligible for USFHP. 996 00:45:45,500 --> 00:45:47,033 HOST: Thank you. 997 00:45:47,033 --> 00:45:50,400 HOST: If I'm in TRICARE Prime and the only urgent care facility 998 00:45:50,400 --> 00:45:53,033 near me is not a TRICARE provider, 999 00:45:53,033 --> 00:45:56,800 do I incur all of the costs if I use that facility? 1000 00:45:58,934 --> 00:46:01,100 PHAM: Hi, This is Shane Pham again. 1001 00:46:01,100 --> 00:46:06,600 If it is a TRICARE-authorized urgent care center, 1002 00:46:06,600 --> 00:46:09,567 then you can go to it still. 1003 00:46:09,567 --> 00:46:13,433 HOST: I applied late last year for TRICARE Select 1004 00:46:13,433 --> 00:46:17,467 and did not join in time to get vision and dental services. 1005 00:46:17,467 --> 00:46:20,000 Do I reapply for TRICARE Select again 1006 00:46:20,000 --> 00:46:24,233 and then add vision and dental? 1007 00:46:24,233 --> 00:46:27,000 ZIM: No, the enrollment processes for the two are separate. 1008 00:46:27,000 --> 00:46:28,600 So if you did apply for TRICARE Select 1009 00:46:28,600 --> 00:46:30,734 and you're in TRICARE Select currently, 1010 00:46:30,734 --> 00:46:32,133 you've nothing that you need to do 1011 00:46:32,133 --> 00:46:34,600 for the TRICARE Open Season. 1012 00:46:34,600 --> 00:46:36,133 In order to get your dental and vision coverage, 1013 00:46:36,133 --> 00:46:40,400 you need to go over to the BENEFEDS website via FEDVIP 1014 00:46:40,400 --> 00:46:42,633 and apply for your vision 1015 00:46:42,633 --> 00:46:44,800 and your dental within their open season, 1016 00:46:44,800 --> 00:46:46,033 which is running right now, 1017 00:46:46,033 --> 00:46:49,367 and that ends on December 12. 1018 00:46:51,467 --> 00:46:53,467 HOST: If I lose my civilian health insurance 1019 00:46:53,467 --> 00:46:59,100 at some point during the year, is that considered a QLE? 1020 00:46:59,100 --> 00:47:01,266 ZIM: Yes, that would be a QLE because it's a loss of 1021 00:47:01,266 --> 00:47:02,467 healthcare coverage. 1022 00:47:04,767 --> 00:47:09,100 Thank you. We have Select now. the sponsor, 1023 00:47:09,100 --> 00:47:12,500 a retired veteran, is in a different state 1024 00:47:12,500 --> 00:47:15,233 and will be changing his address in DEERS. 1025 00:47:15,233 --> 00:47:16,667 Does that impact the spouse 1026 00:47:16,667 --> 00:47:20,266 and dependents on the Select benefit? 1027 00:47:20,266 --> 00:47:21,500 ZIM: Not for Select, 1028 00:47:21,500 --> 00:47:23,633 because your address isn't relevant for Select. 1029 00:47:23,633 --> 00:47:26,000 But if he is changing his address, 1030 00:47:26,000 --> 00:47:28,133 that would be a Qualifying Life Event for them 1031 00:47:28,133 --> 00:47:31,233 and so you can also make changes for the rest of your family 1032 00:47:31,233 --> 00:47:34,700 based off of that, even if that Qualifying Life Event 1033 00:47:34,700 --> 00:47:39,500 happened outside of the bounds of our open season dates. 1034 00:47:40,934 --> 00:47:44,033 HOST: What happens if we're in TRICARE Select 1035 00:47:44,033 --> 00:47:48,300 and cannot find a specialist within our ZIP code? 1036 00:47:48,300 --> 00:47:51,266 ZIM: I would go ahead and call your regional contractor 1037 00:47:51,266 --> 00:47:54,533 to see if you can get some help finding a specialist 1038 00:47:54,533 --> 00:47:57,100 that would be amenable, 1039 00:47:57,100 --> 00:47:58,767 that wouldn't be too far away— 1040 00:47:58,767 --> 00:48:00,533 but yes, I would definitely call them 1041 00:48:00,533 --> 00:48:04,900 if you're not finding something that's on the website already. 1042 00:48:04,900 --> 00:48:07,767 HOST: OK. I haven't gotten my new ID card 1043 00:48:07,767 --> 00:48:12,000 and can't get to an ID card center yet 1044 00:48:12,000 --> 00:48:16,100 to get DEERS updated due to family emergency. 1045 00:48:16,100 --> 00:48:18,734 Once settled, can I then enroll? 1046 00:48:18,734 --> 00:48:21,133 I just got my official retirement letter 1047 00:48:21,133 --> 00:48:26,734 just before my emergency and it was backdated to March 2022. 1048 00:48:29,200 --> 00:48:31,100 ZIM: Whenever you finally go to DEERS 1049 00:48:31,100 --> 00:48:33,767 and that information gets entered into DEERS, 1050 00:48:33,767 --> 00:48:35,333 the personnel office will determine 1051 00:48:35,333 --> 00:48:38,734 whether or not to backdate your eligibility for TRICARE. 1052 00:48:38,734 --> 00:48:40,233 So once that happens 1053 00:48:40,233 --> 00:48:43,400 and the eligibility for TRICARE is in the system, 1054 00:48:43,400 --> 00:48:45,900 then TRICARE Health Plan can make changes 1055 00:48:45,900 --> 00:48:48,066 and you'd have a Qualifying Life Event. 1056 00:48:48,066 --> 00:48:50,433 So you just need to make sure that as soon as you're able, 1057 00:48:50,433 --> 00:48:54,033 you are able to get that information into DEERS 1058 00:48:54,033 --> 00:48:57,600 so that we can then take care of your health plan coverage. 1059 00:49:00,667 --> 00:49:05,266 HOST: I'm currently employed and have a PPO plan from the employer 1060 00:49:05,266 --> 00:49:08,100 and will be enrolling in Select. 1061 00:49:08,100 --> 00:49:09,734 How will these plans be treated— 1062 00:49:09,734 --> 00:49:14,033 i.e., who is primary and who is secondary payer? 1063 00:49:15,300 --> 00:49:16,734 ZIM: Your employer-sponsored health plan 1064 00:49:16,734 --> 00:49:18,200 is going to be your primary payer 1065 00:49:18,200 --> 00:49:20,967 and TRICARE Select is going to be your secondary payer. 1066 00:49:23,266 --> 00:49:26,133 HOST: Question: Do we have to cover our 18-year-old? 1067 00:49:26,133 --> 00:49:27,734 They do not live at home, 1068 00:49:27,734 --> 00:49:30,500 we do not support them financially, 1069 00:49:30,500 --> 00:49:32,667 we do not claim them on our taxes. 1070 00:49:35,667 --> 00:49:36,900 You do not have to. 1071 00:49:36,900 --> 00:49:39,233 If you would like to give them the opportunity 1072 00:49:39,233 --> 00:49:40,900 to have TRICARE Young Adult 1073 00:49:40,900 --> 00:49:43,467 or they would like to have TRICARE Young Adult, 1074 00:49:43,467 --> 00:49:45,066 they would need to pay those enrollment fees 1075 00:49:45,066 --> 00:49:48,467 and they can do that based on their eligibility 1076 00:49:48,467 --> 00:49:50,533 as still under 26 years old, 1077 00:49:50,533 --> 00:49:54,767 but that's a decision that you all can make as a family. 1078 00:49:54,767 --> 00:49:56,533 FRANCINE FORESTELL: This is Francine, and Zelly, 1079 00:49:56,533 --> 00:49:59,066 I work in Communications Customer Service 1080 00:49:59,066 --> 00:50:02,266 in the Communications section. 1081 00:50:02,266 --> 00:50:05,567 They will still reflect in DEERS as eligible 1082 00:50:05,567 --> 00:50:08,500 up until age 21, whether you as a sponsor 1083 00:50:08,500 --> 00:50:11,166 have any kind of relationship with them. 1084 00:50:11,166 --> 00:50:14,500 They would be responsible for doing their own enrollment 1085 00:50:14,500 --> 00:50:17,500 in Prime or Select if they so choose. 1086 00:50:17,500 --> 00:50:19,266 Is that correct, Zelly? 1087 00:50:19,266 --> 00:50:23,100 ZIM: Yes. Thank you for that clarification that up until 21. 1088 00:50:23,100 --> 00:50:26,233 But they would still need to enroll— 1089 00:50:26,233 --> 00:50:29,066 they are just still eligible. 1090 00:50:29,066 --> 00:50:30,867 There would be an enrollment fee 1091 00:50:30,867 --> 00:50:34,667 attached to their usage of the TRICARE program. 1092 00:50:36,133 --> 00:50:40,734 HOST: My husband will be officially retiring 1 July 2023. 1093 00:50:40,734 --> 00:50:44,633 if we choose to stay with TRICARE Prime retire, 1094 00:50:44,633 --> 00:50:45,967 can we decide to switch 1095 00:50:45,967 --> 00:50:51,166 to TRICARE Select retire later in the future? 1096 00:50:51,166 --> 00:50:54,667 ZIM: Yes, if you pick TRICARE Prime at the time of retirement, 1097 00:50:54,667 --> 00:50:56,900 then your next option to choose a different plan, 1098 00:50:56,900 --> 00:50:58,000 such as TRICARE Select, 1099 00:50:58,000 --> 00:51:00,066 would be during the following open season. 1100 00:51:00,066 --> 00:51:01,767 So based off of that information, 1101 00:51:01,767 --> 00:51:05,433 that would be open season of next year in 2023. 1102 00:51:05,433 --> 00:51:06,767 And then the only other time 1103 00:51:06,767 --> 00:51:10,567 that you could make changes would be with a QLE. 1104 00:51:10,567 --> 00:51:12,433 So you retire next summer 1105 00:51:12,433 --> 00:51:14,633 and then three or four months later you decide that, 1106 00:51:14,633 --> 00:51:16,600 "Oh, actually, we're moving to Hawaii"— 1107 00:51:16,600 --> 00:51:19,166 that moving could be the QLE 1108 00:51:19,166 --> 00:51:23,166 that could trigger another enrollment period for you. 1109 00:51:25,734 --> 00:51:30,033 HOST: If contracted in Iraq as a military retiree, 1110 00:51:30,033 --> 00:51:32,567 can I use my TRICARE Prime retire? 1111 00:51:34,967 --> 00:51:37,400 ZIM: No, that's not one of the covered regions 1112 00:51:37,400 --> 00:51:39,867 for the TRICARE Overseas. 1113 00:51:39,867 --> 00:51:41,266 So for TRICARE Overseas, 1114 00:51:41,266 --> 00:51:44,033 you only have the option for TRICARE Select, 1115 00:51:44,033 --> 00:51:47,200 and then it's only in specific coverage areas. 1116 00:51:47,200 --> 00:51:50,367 So I would encourage you to go on the TRICARE website 1117 00:51:50,367 --> 00:51:53,200 and look up TRICARE Overseas to see what's available. 1118 00:51:53,200 --> 00:51:56,100 But because you are eligible for TRICARE, 1119 00:51:56,100 --> 00:51:58,233 if you have beneficiaries, 1120 00:51:58,233 --> 00:52:00,233 they may be eligible for something 1121 00:52:00,233 --> 00:52:02,166 based off of where they live, 1122 00:52:02,166 --> 00:52:04,767 so that would be a consideration as we're in open season. 1123 00:52:07,600 --> 00:52:09,834 HOST: Does the catastrophic cap apply 1124 00:52:09,834 --> 00:52:11,734 if you see an out of network doctor? 1125 00:52:14,100 --> 00:52:15,166 ZIM: No, it does not. 1126 00:52:15,166 --> 00:52:17,934 You don't—anything that you pay for an out-of-network doctor 1127 00:52:17,934 --> 00:52:21,133 does not count towards your catastrophic cap. 1128 00:52:21,133 --> 00:52:22,500 HOST: OK. 1129 00:52:22,500 --> 00:52:26,400 And then last question: If you have a Qualifying Life Event, 1130 00:52:26,400 --> 00:52:28,567 are you able to make changes online 1131 00:52:28,567 --> 00:52:32,467 or do you have to go to your closest DEERS office? 1132 00:52:32,467 --> 00:52:34,000 ZIM: You can make changes online. 1133 00:52:34,000 --> 00:52:36,900 I believe that I gave the website for milConnect. 1134 00:52:36,900 --> 00:52:38,400 You can go to BWE, 1135 00:52:38,400 --> 00:52:40,834 go to your benefits and make changes that way— 1136 00:52:40,834 --> 00:52:43,767 so there's a spot there for you to enter your QLE 1137 00:52:43,767 --> 00:52:45,934 and the dates for that QLE and everything like that, 1138 00:52:45,934 --> 00:52:48,400 and to upload supporting documentation 1139 00:52:48,400 --> 00:52:49,633 and everything like that. 1140 00:52:49,633 --> 00:52:50,767 So you can do that online. 1141 00:52:50,767 --> 00:52:54,367 You can do that also in-person at a DEERS office 1142 00:52:54,367 --> 00:52:56,000 if you'd like to. 1143 00:52:56,000 --> 00:52:57,367 HOST: Great. 1144 00:52:57,367 --> 00:53:00,633 And Zelly, do you have any final or closing thoughts for today? 1145 00:53:02,900 --> 00:53:04,433 ZIM: Just a big thank you. 1146 00:53:04,433 --> 00:53:07,133 I appreciate everybody who is on this webinar 1147 00:53:07,133 --> 00:53:09,533 and for the great questions you all asked. 1148 00:53:09,533 --> 00:53:11,867 Very pleased to see that we had a lot of engagement 1149 00:53:11,867 --> 00:53:14,100 and that you all were interested in finding out 1150 00:53:14,100 --> 00:53:17,600 how to make the best health plan choices for your families. 1151 00:53:17,600 --> 00:53:20,900 And then, thanks to everybody who was on the line from DHA 1152 00:53:20,900 --> 00:53:23,934 and Military OneSource with your help with facilitating questions 1153 00:53:23,934 --> 00:53:26,633 and facilitating this webinar altogether. 1154 00:53:26,633 --> 00:53:29,400 And happy Thanksgiving! 1155 00:53:29,400 --> 00:53:32,000 HOST: I just also want to thank Zelly and her team for sharing their 1156 00:53:32,000 --> 00:53:34,867 invaluable expertise and experience. 1157 00:53:34,867 --> 00:53:36,567 I'd also like to thank all of our attendees 1158 00:53:36,567 --> 00:53:39,033 for participating in today's webinar. 1159 00:53:39,033 --> 00:53:40,667 If we didn't answer your question today, 1160 00:53:40,667 --> 00:53:42,600 please refer to the contact information 1161 00:53:42,600 --> 00:53:44,934 in your copy of the webinar slide deck. 1162 00:53:44,934 --> 00:53:47,900 And also, you can find many of the answers to questions about 1163 00:53:47,900 --> 00:53:52,367 TRICARE on the TRICARE website at tricare.mil. 1164 00:53:52,367 --> 00:53:55,133 This concludes today's webinar on TRICARE Open Season 1165 00:53:55,133 --> 00:53:56,567 and your options. 1166 00:53:56,567 --> 00:53:57,567 Thank you.