1 00:00:00,244 --> 00:00:04,534 CALVIN KELLER: Hello, everyone, and welcome to today's webinar: Moving, 2 00:00:04,534 --> 00:00:07,694 Marriage, and More: What TRICARE Qualifying 3 00:00:07,694 --> 00:00:10,854 Life Events Mean for You. I'm Calvin 4 00:00:10,854 --> 00:00:14,484 Keller, health systems analyst with the Defense Health Agency 5 00:00:14,484 --> 00:00:18,334 Communications, Operations and Support Division, Benefit 6 00:00:18,334 --> 00:00:21,774 Education and Research team, and I'm pleased to be your 7 00:00:21,774 --> 00:00:22,564 host for today's webinar. 8 00:00:24,534 --> 00:00:28,134 When it comes to your TRICARE coverage, 9 00:00:28,134 --> 00:00:31,174 certain life changes are known as Qualifying Life 10 00:00:31,174 --> 00:00:34,534 Events, or QLEs. When you and your family have a 11 00:00:34,534 --> 00:00:34,854 QLE, 12 00:00:35,444 --> 00:00:38,854 you have 90 days to make eligible changes 13 00:00:38,854 --> 00:00:42,294 to your TRICARE health plan. This webinar 14 00:00:42,294 --> 00:00:45,324 will discuss the types of changes that count as QLEs 15 00:00:45,324 --> 00:00:48,894 and what to do when you have 16 00:00:48,894 --> 00:00:54,134 one. You’ll also learn tips for navigating certain QLEs, including moving, 17 00:00:54,134 --> 00:00:57,244 marriage, retiring from active duty, 18 00:00:57,244 --> 00:01:00,894 and becoming eligible for Medicare. We're excited 19 00:01:00,894 --> 00:01:03,484 to welcome our two presenters for today's webinar: 20 00:01:04,484 --> 00:01:07,584 Ms. Zelly Zim, a health systems specialist 21 00:01:07,584 --> 00:01:11,374 with the TRICARE Health Plan Policy and Programs Branch, 22 00:01:11,374 --> 00:01:14,894 and Mr. Marc LaGoy, a health systems specialist 23 00:01:14,894 --> 00:01:18,094 with the TRICARE Health Plan Customer Support Education 24 00:01:18,094 --> 00:01:21,264 and Outreach Branch. Zelly and 25 00:01:21,264 --> 00:01:22,444 Marc, I'll turn things over to you. 26 00:01:26,534 --> 00:01:29,614 MARC LAGOY: Hello, everyone. Thank you for the 27 00:01:29,614 --> 00:01:32,704 very nice introduction, sir. I'm Marc LaGoy 28 00:01:32,704 --> 00:01:36,254 and I work for the Defense Health Agency, TRICARE 29 00:01:36,254 --> 00:01:39,374 Health Plan as a Beneficiary Counseling and Assistance 30 00:01:39,374 --> 00:01:42,894 Coordinator, as well as a Congressional high priority 31 00:01:42,894 --> 00:01:46,174 correspondence action officer. Today's 32 00:01:46,174 --> 00:01:50,694 topic is TRICARE Qualifying Life Events, or QLEs. 33 00:01:50,694 --> 00:01:53,894 We will address the different types of QLEs and what you 34 00:01:53,894 --> 00:01:55,854 should do after experiencing a QLE. 35 00:01:56,724 --> 00:01:59,734 We'll share some examples of QLEs, as 36 00:01:59,734 --> 00:02:03,374 well as how to change your health plan without a QLE. 37 00:02:03,374 --> 00:02:06,574 We'll also go over dental and vision coverage, 38 00:02:06,574 --> 00:02:09,974 and share some very valuable resources. There will be 39 00:02:09,974 --> 00:02:13,334 time for your questions and answers following today's 40 00:02:13,334 --> 00:02:14,724 presentation. Next. 41 00:02:22,054 --> 00:02:25,654 First and foremost, what is a TRICARE 42 00:02:25,654 --> 00:02:29,094 Qualifying Life Event (QLE)? It’s 43 00:02:29,094 --> 00:02:33,014 where you have a change in your life where you could select other 44 00:02:33,014 --> 00:02:36,694 TRICARE plan options that are available for 45 00:02:36,694 --> 00:02:39,974 you. QLEs can be changes in the family, a change 46 00:02:39,974 --> 00:02:43,294 in the sponsor’s military status, or a government- 47 00:02:43,294 --> 00:02:46,334 directed change. Important--and you 48 00:02:46,334 --> 00:02:49,934 might want to take a pencil out for this, because you're going to hear 49 00:02:49,934 --> 00:02:52,014 it often--there is a 90-day window 50 00:02:52,244 --> 00:02:55,814 for a TRICARE QLE that occurs 51 00:02:55,814 --> 00:02:58,934 outside of the TRICARE Open Season timeframe. 52 00:02:58,934 --> 00:03:03,094 And when one family member experiences a QLE, 53 00:03:03,094 --> 00:03:06,934 all family members can change their enrollment, should they choose 54 00:03:06,934 --> 00:03:10,454 to. Please remember: There is only one 55 00:03:10,454 --> 00:03:13,604 change, per member, per QLE. Next. 56 00:03:15,764 --> 00:03:19,694 Let's review the different types of QLEs. 57 00:03:19,694 --> 00:03:22,814 First, there is moving. Moving from the U.S. 58 00:03:22,814 --> 00:03:26,134 to overseas is a QLE. Moving 59 00:03:26,134 --> 00:03:29,294 from the East Region, which is Humana, to the 60 00:03:29,294 --> 00:03:32,854 West Region, which is Health Net Federal Services, 61 00:03:32,854 --> 00:03:35,964 or moving right down the street from one ZIP code to 62 00:03:35,964 --> 00:03:39,774 another in the same town. Let's consider for a moment 63 00:03:39,774 --> 00:03:43,374 a change in the family dynamic. It could be marriage, 64 00:03:43,374 --> 00:03:44,684 divorce, annulment, 65 00:03:44,964 --> 00:03:48,134 giving birth, or adopting a 66 00:03:48,134 --> 00:03:51,654 child. Also, a court-ordered placement of a child in your 67 00:03:51,654 --> 00:03:54,974 home. It is important to note that QLE 68 00:03:54,974 --> 00:03:58,294 starts on the date of the court order, and it must 69 00:03:58,294 --> 00:04:02,494 be court-ordered in order to qualify as a QLE. 70 00:04:02,494 --> 00:04:06,454 Even when your children become adults and they head off to college, which 71 00:04:06,454 --> 00:04:09,574 a lot of us are experiencing right now, 72 00:04:09,574 --> 00:04:12,734 friendly reminder: You must change the address 73 00:04:12,734 --> 00:04:15,284 in the Defense Enrollment Eligibility Reporting System, 74 00:04:16,084 --> 00:04:19,504 DEERS, in order for it to qualify 75 00:04:19,504 --> 00:04:23,094 as a QLE for those children that are headed off to 76 00:04:23,094 --> 00:04:27,174 college, or when and if there is a death in the 77 00:04:27,174 --> 00:04:30,494 family. There's a change in the sponsor status when the sponsor 78 00:04:30,494 --> 00:04:33,894 retires from active duty and also separates 79 00:04:33,894 --> 00:04:37,204 from active duty, as well as for our Guard and 80 00:04:37,204 --> 00:04:41,014 Reserve personnel, activating or deactivating 81 00:04:41,014 --> 00:04:43,404 and also a QLE: medical retirement. 82 00:04:44,254 --> 00:04:45,694 Gaining and losing command 83 00:04:46,084 --> 00:04:50,334 sponsorship is also a QLE, but for 84 00:04:50,334 --> 00:04:53,574 overseas only. Deployment doesn't 85 00:04:53,574 --> 00:04:57,014 necessarily qualify as a QLE by 86 00:04:57,014 --> 00:05:00,894 itself; however, when the sponsor deploys and should 87 00:05:00,894 --> 00:05:04,454 the family relocate to a new country, city, or 88 00:05:04,454 --> 00:05:08,534 region, that change of address would qualify as a QLE. 89 00:05:08,534 --> 00:05:08,924 Next. 90 00:05:11,664 --> 00:05:14,974 Next is losing sponsor or family member 91 00:05:14,974 --> 00:05:18,214 eligibility for our Guard and Reserve members who turned 92 00:05:18,214 --> 00:05:21,934 60 years old, going to the Retired Reserve. 93 00:05:21,934 --> 00:05:25,424 You can enroll in TRICARE Prime or 94 00:05:25,424 --> 00:05:28,774 TRICARE Select when eligibility is reflected in DEERS. 95 00:05:28,774 --> 00:05:32,144 Important to remember that it has to be reflected 96 00:05:32,144 --> 00:05:35,304 in DEERS and the member is drawing retired pay. 97 00:05:36,094 --> 00:05:39,174 TRICARE Reserve Select ends when you transfer 98 00:05:39,174 --> 00:05:40,174 to the Retired Reserve. 99 00:05:41,274 --> 00:05:44,434 Another QLE is gaining or 100 00:05:44,434 --> 00:05:48,094 losing other health insurance, such as an employer-sponsored health 101 00:05:48,094 --> 00:05:51,214 insurance, also Medicare and 102 00:05:51,214 --> 00:05:54,534 Medicaid entitlements. Those are QLEs for those 103 00:05:54,534 --> 00:05:58,014 that are 65 years or older, and also 104 00:05:58,014 --> 00:06:01,134 for those under 65 with certain 105 00:06:01,134 --> 00:06:04,374 disabilities. If you qualify for those 106 00:06:04,374 --> 00:06:07,574 entitlements, then TRICARE fees are 107 00:06:07,574 --> 00:06:10,774 waived. Now, there's a change in eligibility in a 108 00:06:10,774 --> 00:06:11,874 single family member in another family. 109 00:06:12,664 --> 00:06:16,474 Let's say both parents are sponsors, so 110 00:06:16,474 --> 00:06:19,714 a change in the eligibility status of either 111 00:06:19,714 --> 00:06:22,874 of those members of a joint service 112 00:06:22,874 --> 00:06:26,464 family is considered the QLE. 113 00:06:26,464 --> 00:06:29,564 Next, there's government-directed changes. That’s 114 00:06:29,564 --> 00:06:33,394 where the government has directed you to change your primary care 115 00:06:33,394 --> 00:06:37,074 manager, either from in-network to a military medical 116 00:06:37,074 --> 00:06:37,784 treatment facility 117 00:06:38,594 --> 00:06:41,394 (MTF) or clinic, or vice versa. 118 00:06:42,684 --> 00:06:45,714 That, or the government no longer 119 00:06:45,714 --> 00:06:49,474 offers certain TRICARE health plans in your area--that 120 00:06:49,474 --> 00:06:52,684 qualifies as a QLE, also. 121 00:06:52,684 --> 00:06:55,914 To find out more information on those QLEs, 122 00:06:55,914 --> 00:07:00,354 please visit TRICARE.mil/LifeEvents. 123 00:07:00,354 --> 00:07:00,564 Next. 124 00:07:02,634 --> 00:07:05,674 So, we have a QLE, 125 00:07:05,674 --> 00:07:08,794 and now what? Once there's a change, 126 00:07:08,794 --> 00:07:11,074 it must reflect in the DEERS record. 127 00:07:11,864 --> 00:07:15,354 The first thing you have to do is 128 00:07:15,354 --> 00:07:19,554 contact the Defense Manpower Data Center (DMDC). 129 00:07:19,554 --> 00:07:22,914 They manage the DEERS database. And it's 130 00:07:22,914 --> 00:07:26,074 important to be familiar with your health plan options, and you can 131 00:07:26,074 --> 00:07:29,484 find those on TRICARE.mil. The key 132 00:07:29,484 --> 00:07:33,634 to QLEs is to make eligible enrollment 133 00:07:33,634 --> 00:07:37,594 changes within 90 days. There's a 90-day window. 134 00:07:37,594 --> 00:07:40,674 You must also contact your TRICARE regional 135 00:07:40,674 --> 00:07:41,064 contractor. 136 00:07:41,464 --> 00:07:44,634 As mentioned earlier, that's Humana 137 00:07:44,634 --> 00:07:47,914 for the East Region and Health Net Federal Services 138 00:07:47,914 --> 00:07:50,184 for the West Region. Next. 139 00:07:52,934 --> 00:07:55,994 As mentioned on the previous slide, and 140 00:07:55,994 --> 00:07:59,054 in almost all cases, you have to 141 00:07:59,054 --> 00:08:02,634 contact DEERS first. If you should be making any 142 00:08:02,634 --> 00:08:05,994 changes, whether that's updating a new child's birth, updating 143 00:08:05,994 --> 00:08:09,194 a new phone number and/or an address, 144 00:08:09,194 --> 00:08:12,594 or if it's other health insurance, 145 00:08:12,594 --> 00:08:15,914 you must contact DEERS first. Sponsors are the only 146 00:08:15,914 --> 00:08:19,124 ones that can make updates to the DEERS records, and you're 147 00:08:19,124 --> 00:08:22,234 going to need the official documentation to 148 00:08:22,234 --> 00:08:22,994 process any changes. 149 00:08:23,464 --> 00:08:26,794 For marriage, it's the marriage certificate. 150 00:08:26,794 --> 00:08:29,954 For the birth of a child, it's a birth certificate. 151 00:08:29,954 --> 00:08:33,114 And for a child attending college, it's a letter 152 00:08:33,114 --> 00:08:36,354 from the school's registrar's office. These items are all 153 00:08:36,354 --> 00:08:40,514 required and need to be presented to the DEERS 154 00:08:40,514 --> 00:08:40,864 office. Next. 155 00:08:44,764 --> 00:08:49,394 Here are some ways that you can update your DEERS record: 156 00:08:49,394 --> 00:08:52,634 in person at a Rapids ID Card office. You 157 00:08:52,634 --> 00:08:55,724 can find any office in your area by going to the 158 00:08:55,724 --> 00:08:59,354 DMDC website as well as MilConnect. 159 00:08:59,354 --> 00:09:02,474 You can also call by telephone. You can see 160 00:09:02,474 --> 00:09:05,674 here, there is also a fax option, as well as 161 00:09:05,674 --> 00:09:08,914 sending via U.S. mail to the DMDC 162 00:09:08,914 --> 00:09:12,114 Support Office. You can find more information, such 163 00:09:12,114 --> 00:09:14,474 as phone numbers, fax numbers, and addresses 164 00:09:14,704 --> 00:09:18,234 for these offices at TRICARE.mil/DEERS. 165 00:09:18,234 --> 00:09:21,474 I'm going to 166 00:09:21,474 --> 00:09:23,504 turn this over now to Ms. Zelly Zim. 167 00:09:33,154 --> 00:09:36,234 ZELLY ZIM: Let’s discuss these things and what actually happens 168 00:09:36,234 --> 00:09:39,274 when you have that QLE, once you make 169 00:09:39,274 --> 00:09:42,594 the necessary changes. So, once you have that QLE 170 00:09:42,594 --> 00:09:45,754 and you update DEERS, that opens up a period 171 00:09:45,754 --> 00:09:48,964 for you to make eligible changes to your plan. So, Marc mentioned 172 00:09:48,964 --> 00:09:52,154 a few times the 90 days, and so that's the time period that 173 00:09:52,154 --> 00:09:55,754 we're talking about. Depending on the type of QLE that you have, 174 00:09:55,754 --> 00:09:58,874 you have three options. One would be to stay in 175 00:09:58,874 --> 00:09:59,554 your current plan 176 00:10:00,114 --> 00:10:03,074 if you're still eligible for that plan. Or you could change plans. 177 00:10:04,024 --> 00:10:07,474 The last option that you could have would be to enroll in a plan if 178 00:10:07,474 --> 00:10:11,354 you're eligible for a health plan that you were not already eligible for. 179 00:10:11,354 --> 00:10:14,794 When you have questions about your eligibility, you need to contact 180 00:10:14,794 --> 00:10:17,874 your service’s personnel office, because on the TRICARE side, 181 00:10:17,874 --> 00:10:21,034 we don't determine your eligibility. We can simply 182 00:10:21,034 --> 00:10:24,194 give you information about what the various 183 00:10:24,194 --> 00:10:27,714 options are. If you have questions about those enrollments 184 00:10:27,714 --> 00:10:31,514 or the different plans, then you can contact your regional contractors. 185 00:10:31,514 --> 00:10:34,584 As Marc mentioned before, if you're in the East, that's going to be Humana. 186 00:10:34,664 --> 00:10:37,874 And then if you're in the West Region, that would 187 00:10:37,874 --> 00:10:41,394 be Health Net. And finally, if you're overseas, that would 188 00:10:41,394 --> 00:10:44,714 be International SOS. One question that we're 189 00:10:44,714 --> 00:10:48,194 often asked in relationship to this is if you need to do anything 190 00:10:48,194 --> 00:10:51,434 if you have a Qualifying Life Event, but you want to keep your 191 00:10:51,434 --> 00:10:54,634 current health plan. If that's the case, then you don't need to 192 00:10:54,634 --> 00:10:57,784 take any steps during that 90-day period if you want to 193 00:10:57,784 --> 00:11:01,554 stay in the same plan. So, remember that is also an 194 00:11:01,554 --> 00:11:03,674 option anytime that you have a Qualifying Life Event. 195 00:11:04,184 --> 00:11:05,144 Next slide, please. 196 00:11:07,174 --> 00:11:10,274 So, when you're exploring your health plan options, we have a 197 00:11:10,274 --> 00:11:13,634 variety of tools on our website to help you with 198 00:11:13,634 --> 00:11:17,164 this also, in addition to reaching out to the TRICARE Health 199 00:11:17,164 --> 00:11:20,194 Plan via your regional contractors. And so, you'll see 200 00:11:20,194 --> 00:11:23,674 on this slide on the right side, several of those options that you 201 00:11:23,674 --> 00:11:26,834 have. One thing I'd like to encourage you to do is make sure that you really 202 00:11:26,834 --> 00:11:30,394 explore the various plans and do your research so that you look at what 203 00:11:30,394 --> 00:11:33,594 your family needs and what the TRICARE Health Plan is able to provide 204 00:11:33,594 --> 00:11:36,794 for your family. You can use our Plan Finder tool to 205 00:11:36,794 --> 00:11:37,874 see which plans you're eligible for. 206 00:11:38,304 --> 00:11:41,594 That will allow you to put in information about your sponsor, 207 00:11:41,594 --> 00:11:45,034 and then based off of where you live and your ZIP 208 00:11:45,034 --> 00:11:48,074 code and things of that nature, you can look and see what different 209 00:11:48,074 --> 00:11:51,514 plans are available to you. You can compare the plans side by 210 00:11:51,514 --> 00:11:54,634 side, or you can even compare the costs of the various 211 00:11:54,634 --> 00:11:57,994 plans. And you can also search for your health care providers that would be available 212 00:11:57,994 --> 00:12:01,314 to you using those tools that we have on our 213 00:12:01,314 --> 00:12:04,394 website. When you're eligible for TRICARE Prime or TRICARE Select, a few of the things 214 00:12:04,394 --> 00:12:07,624 that you may want to think about are how and where you get 215 00:12:07,624 --> 00:12:07,984 care, 216 00:12:08,264 --> 00:12:11,924 such as whether you're getting your care primarily 217 00:12:11,924 --> 00:12:14,994 at a military medical treatment facility, or if you're primarily 218 00:12:14,994 --> 00:12:18,074 getting your care in the network. And then another thought 219 00:12:18,074 --> 00:12:21,714 is also your out-of-pocket costs, as those are different 220 00:12:21,714 --> 00:12:24,954 across the various plans. With all of our plans, you want to 221 00:12:24,954 --> 00:12:28,594 make sure that you're following the rules of your plan in order to minimize 222 00:12:28,594 --> 00:12:32,194 your costs. And there's more information on the specifics of those plans 223 00:12:32,194 --> 00:12:32,664 on our website. 224 00:12:33,394 --> 00:12:34,154 Next slide, please. 225 00:12:36,064 --> 00:12:39,074 So, once you've done that analysis of the various plans 226 00:12:39,074 --> 00:12:42,234 and you can see what you can enroll in 227 00:12:42,234 --> 00:12:45,474 or which plan you can change to, 228 00:12:45,474 --> 00:12:48,554 you can then go to TRICARE.mil/enroll 229 00:12:48,554 --> 00:12:51,794 to see how you enroll in a specific plan. 230 00:12:51,794 --> 00:12:55,034 It does vary depending on which plan you are enrolling 231 00:12:55,034 --> 00:12:58,914 in, so I would like to encourage you to go to that website to see. 232 00:12:58,914 --> 00:13:01,994 But then, one important thing to remember--we've been talking about 233 00:13:01,994 --> 00:13:05,314 that 90-day time period that you have, but the 234 00:13:05,314 --> 00:13:06,344 coverage is based off of the 235 00:13:06,424 --> 00:13:09,474 Qualifying Life Event. Your QLE is based 236 00:13:09,474 --> 00:13:12,794 off of the date of that QLE. So, even if 237 00:13:12,794 --> 00:13:17,074 you initiate the enrollment change after the QLE, the 238 00:13:17,074 --> 00:13:20,674 enrollment starts based off of the date of that QLE. As an example, 239 00:13:20,674 --> 00:13:23,794 if you have a Qualifying Life Event, if you had one on 240 00:13:23,794 --> 00:13:27,234 Aug. 1 of this year and today is Aug. 22, 241 00:13:27,234 --> 00:13:30,874 you're still within that 90-day timeframe. 242 00:13:30,874 --> 00:13:34,074 If you call today to make that change, or you go on the 243 00:13:34,074 --> 00:13:37,064 DEERS website, you update your address, for example, as a Qualifying Life Event, 244 00:13:37,544 --> 00:13:40,794 on Aug. 22, it would be effective 245 00:13:40,794 --> 00:13:44,274 on Aug. 1, because that was the actual date of that Qualifying 246 00:13:44,274 --> 00:13:47,554 Life Event. When you have previous 247 00:13:47,554 --> 00:13:51,314 coverage before your Qualifying Life Event, you don't lose 248 00:13:51,314 --> 00:13:54,874 eligibility or get disenrolled from that previous 249 00:13:54,874 --> 00:13:58,314 plan until the date of that QLE. So that date is really the pivot 250 00:13:58,314 --> 00:14:01,674 point that you need to pay attention to. As I mentioned before, 251 00:14:01,674 --> 00:14:02,344 we do have 252 00:14:02,914 --> 00:14:05,994 enrollment fees and premiums for certain plans, depending 253 00:14:05,994 --> 00:14:09,234 on your sponsor’s status, and you do want to make sure that you're paying those 254 00:14:09,234 --> 00:14:11,834 fees in order to maintain the coverage 255 00:14:12,104 --> 00:14:15,114 that you need with the TRICARE Health Plan. 256 00:14:15,114 --> 00:14:15,544 Next slide, please. 257 00:14:17,274 --> 00:14:20,394 So, what happens if you don't do anything within 90 258 00:14:20,394 --> 00:14:23,754 days of a Qualifying Life Event? Well, there's two scenarios 259 00:14:23,754 --> 00:14:27,754 on this slide. The first one is reminding you that you're 260 00:14:27,754 --> 00:14:30,954 no longer eligible for your current TRICARE health plan, but 261 00:14:30,954 --> 00:14:34,154 if you don't enroll in a different plan within those 90 days, then you 262 00:14:34,154 --> 00:14:37,674 end up being direct care only, which essentially means 263 00:14:37,674 --> 00:14:40,874 that you can go to a military treatment facility or 264 00:14:40,874 --> 00:14:43,154 a hospital or clinic if they have space available. 265 00:14:43,744 --> 00:14:46,794 And if you're eligible, you can then enroll in a 266 00:14:46,794 --> 00:14:50,634 new plan during open season or if you have another QLE. 267 00:14:50,634 --> 00:14:54,154 So, you want to make sure that you do act within that 90 days, so that you 268 00:14:54,154 --> 00:14:57,434 don't have to wait until the following open season, or if 269 00:14:57,434 --> 00:15:00,514 somebody in your family or you yourself has a Qualifying 270 00:15:00,514 --> 00:15:04,034 Life Event. Another scenario is you might be 271 00:15:04,034 --> 00:15:07,634 eligible, but you failed to enroll during that period, 272 00:15:07,634 --> 00:15:10,874 regardless of whether or not you have a QLE. And again, then you would have 273 00:15:10,874 --> 00:15:12,864 to wait until open season. So essentially, 274 00:15:13,634 --> 00:15:16,754 to kind of summarize this slide, most important things to remember 275 00:15:16,754 --> 00:15:19,914 is that this 90-day period with this Qualifying Life 276 00:15:19,914 --> 00:15:23,154 Event is your only option to enroll in a health plan or to change your health 277 00:15:23,154 --> 00:15:23,474 plan, 278 00:15:23,824 --> 00:15:27,154 aside from open season, which happens late in 279 00:15:27,154 --> 00:15:30,234 the fall of each year, or if you have a separate 280 00:15:30,234 --> 00:15:33,944 Qualifying Life Event. Next slide, please. 281 00:15:33,944 --> 00:15:37,474 I'll turn this back over to Marc to continue. 282 00:15:37,474 --> 00:15:41,434 LAGOY: Thanks so much, Zelly. So, you're 283 00:15:41,434 --> 00:15:45,584 moving. Whether you're moving overseas, across the country, 284 00:15:45,584 --> 00:15:49,234 or down the street, don't just call and disenroll from 285 00:15:49,234 --> 00:15:49,344 TRICARE. 286 00:15:50,354 --> 00:15:53,394 Get moved, get unpacked, meet a 287 00:15:53,394 --> 00:15:54,514 neighbor, get settled. 288 00:15:55,184 --> 00:15:58,194 And make sure you contact DEERS 289 00:15:58,194 --> 00:16:01,754 with your new address. If you are switching 290 00:16:01,754 --> 00:16:04,874 regions, then you're going to need to call the new regional 291 00:16:04,874 --> 00:16:08,434 contractor and they'll help you transfer your primary 292 00:16:08,434 --> 00:16:11,994 care manager, update your coverage, etc. 293 00:16:11,994 --> 00:16:15,794 Just be sure to update your address in DEERS, 294 00:16:15,794 --> 00:16:18,994 and you have 90 days. We try to 295 00:16:18,994 --> 00:16:21,024 make it as easy as we can for you. 296 00:16:21,764 --> 00:16:25,304 Be sure to utilize TRICARE.mil 297 00:16:25,304 --> 00:16:28,584 once you are moved. And if you want to find a new 298 00:16:28,584 --> 00:16:31,704 doctor, please visit TRICARE.mil/moving. 299 00:16:31,704 --> 00:16:33,524 Next slide, please. 300 00:16:38,934 --> 00:16:42,464 Marriage. Not only are spouses 301 00:16:42,464 --> 00:16:45,664 of service members eligible, but stepchildren of 302 00:16:45,664 --> 00:16:49,264 service members are eligible, as well. If children are 303 00:16:49,264 --> 00:16:52,694 already covered because your new spouse was formerly married 304 00:16:52,694 --> 00:16:55,944 to a service member and those children are also 305 00:16:55,944 --> 00:16:59,374 covered under that service member, you have to make sure that 306 00:16:59,374 --> 00:17:02,784 they're both reflected under the right spouse. 307 00:17:02,784 --> 00:17:06,024 Children cannot be under both. And again, here 308 00:17:06,024 --> 00:17:09,464 it is, folks: 90 days from the date of 309 00:17:09,464 --> 00:17:09,574 marriage. 310 00:17:10,134 --> 00:17:13,214 Make sure you review the documents you need 311 00:17:13,214 --> 00:17:16,824 before you enroll your spouse. Documents include 312 00:17:16,824 --> 00:17:20,344 a marriage certificate, spouse and/or children's birth 313 00:17:20,344 --> 00:17:23,544 certificate, photo ID, and a Social 314 00:17:23,544 --> 00:17:27,064 Security card--that goes for the child as well. 315 00:17:27,064 --> 00:17:30,264 And if you want to ensure your spouse is enrolled by the time you 316 00:17:30,264 --> 00:17:33,704 get married, make sure to get those documents in 317 00:17:33,704 --> 00:17:34,254 order and to DEERS. 318 00:17:35,104 --> 00:17:38,704 You have 90 days from the date of the QLE. 319 00:17:38,704 --> 00:17:39,864 Again, for details 320 00:17:40,254 --> 00:17:43,624 regarding marriage, please visit the website 321 00:17:43,624 --> 00:17:46,824 TRICARE.mil/marriage. 322 00:17:46,824 --> 00:17:48,254 Next. 323 00:17:51,334 --> 00:17:54,664 So, you have 90 days from the time you adopt 324 00:17:54,664 --> 00:17:57,864 a child, and 90 days from the child's date 325 00:17:57,864 --> 00:18:01,064 of birth. DEERS will accept a hospital birth 326 00:18:01,064 --> 00:18:04,424 certificate. Sometimes they want only 327 00:18:04,424 --> 00:18:07,704 the live birth from the state. Call your DEERS 328 00:18:07,704 --> 00:18:10,984 representative and find out what they'll accept. Make 329 00:18:10,984 --> 00:18:14,784 sure you get that documentation together within 90 days. 330 00:18:14,784 --> 00:18:17,984 Remember, you have 90 days if you're stateside and 331 00:18:17,984 --> 00:18:20,344 120 days if you're overseas. 332 00:18:20,774 --> 00:18:23,784 It's 120 days if you're overseas 333 00:18:23,784 --> 00:18:26,984 because you have to report it through the Embassy, and as the Embassy 334 00:18:26,984 --> 00:18:31,294 has to do certification of children born abroad, 335 00:18:31,294 --> 00:18:34,744 that takes a little time. There are State Department forms, and 336 00:18:34,744 --> 00:18:40,024 eventually you will receive a certificate that says Report 337 00:18:40,024 --> 00:18:44,304 of Birth Abroad, and that counts as a birth certificate. Because 338 00:18:44,304 --> 00:18:47,504 of the extra time this takes, they give you an extra 339 00:18:47,504 --> 00:18:47,854 30 days. 340 00:18:48,774 --> 00:18:51,944 Once registered in DEERS, active 341 00:18:51,944 --> 00:18:55,504 duty family members only will auto-enroll 342 00:18:55,504 --> 00:18:58,624 into TRICARE Prime, and only if you live in a 343 00:18:58,624 --> 00:19:01,784 Prime Service Area. 344 00:19:01,784 --> 00:19:04,824 Now, if you're active duty and you bring your new dependents in to register in 345 00:19:04,824 --> 00:19:07,984 DEERS, they will also auto-enroll in 346 00:19:07,984 --> 00:19:11,184 TRICARE Prime automatically. If you wanted them to be in TRICARE Select, 347 00:19:11,184 --> 00:19:14,414 you'll have to actually call TRICARE and get them 348 00:19:14,414 --> 00:19:15,814 switched over to TRICARE Select. 349 00:19:16,334 --> 00:19:19,624 Just the opposite if you are not in a Prime 350 00:19:19,624 --> 00:19:23,104 Service Area and what is called TRICARE Prime 351 00:19:23,104 --> 00:19:26,504 Remote. If you're in TRICARE Prime Remote, 352 00:19:26,504 --> 00:19:29,814 your new dependents--even if you call the contractor and get 353 00:19:29,814 --> 00:19:32,864 them all enrolled into TRICARE Prime for family 354 00:19:32,864 --> 00:19:36,144 members--when you have a new child or a new marriage, that 355 00:19:36,144 --> 00:19:39,464 dependent will auto-enroll into TRICARE Select, because you 356 00:19:39,464 --> 00:19:42,094 do not live in a Prime Service Area. 357 00:19:42,944 --> 00:19:45,264 Retirees will never auto-enroll. 358 00:19:45,694 --> 00:19:49,134 If you're a retiree and you're adding a new dependent, 359 00:19:49,134 --> 00:19:52,494 they will not auto-enroll. You are not enrolled in 360 00:19:52,494 --> 00:19:56,744 TRICARE until you contact TRICARE yourself and enroll. For 361 00:19:56,744 --> 00:19:59,864 everything related to adopting or having 362 00:19:59,864 --> 00:20:03,424 kids, please visit TRICARE.mil/children. 363 00:20:03,424 --> 00:20:05,014 Next. 364 00:20:07,654 --> 00:20:11,504 Retirement. Retirement is different 365 00:20:11,504 --> 00:20:15,224 because active duty and Reserve, whenever you retire, instead 366 00:20:15,224 --> 00:20:18,304 of the 90 days we've talked about, you get 367 00:20:18,304 --> 00:20:21,624 a full 12 months. When you retire from active duty, 368 00:20:21,624 --> 00:20:25,064 you'll have 12 months from your retirement date to enroll 369 00:20:25,064 --> 00:20:28,144 yourself and your family 370 00:20:28,144 --> 00:20:31,864 members. Your QLE begins on the date of your retirement. So, 371 00:20:31,864 --> 00:20:35,704 let's say you're finally getting your paperwork through DEERS. It's 372 00:20:35,704 --> 00:20:37,254 August and you retired in January. 373 00:20:37,574 --> 00:20:40,974 You will have to back pay all the TRICARE enrollment 374 00:20:40,974 --> 00:20:44,304 fees back to January. The only other 375 00:20:44,304 --> 00:20:47,464 way around that is just wait until open season 376 00:20:47,464 --> 00:20:50,704 and re-enroll for the new year, but you will have to 377 00:20:50,704 --> 00:20:54,304 pay the total enrollment fees up until that date. To 378 00:20:54,304 --> 00:20:57,704 learn more, please visit TRICARE.mil/retiring. 379 00:20:57,704 --> 00:21:00,904 Now, for Reserve and 380 00:21:00,904 --> 00:21:01,814 National Guard retirees, 381 00:21:02,584 --> 00:21:05,944 turning age 60 after retiring from 382 00:21:05,944 --> 00:21:07,184 the National Guard or Reserve 383 00:21:07,614 --> 00:21:11,104 is considered a QLE. If 384 00:21:11,104 --> 00:21:14,304 you are a gray area retiree and you are authorized 385 00:21:14,304 --> 00:21:17,334 to draw retired pay earlier than age 386 00:21:17,334 --> 00:21:20,464 60, you still are not entitled to TRICARE Prime 387 00:21:20,464 --> 00:21:24,864 or TRICARE Select (the regular retiree TRICARE) 388 00:21:24,864 --> 00:21:28,784 until age 60. Regardless of when you draw your retirement pay, 389 00:21:28,784 --> 00:21:32,024 it's age 60. If you're a gray area 390 00:21:32,024 --> 00:21:35,184 retiree, you will not get regular Reserve 391 00:21:35,184 --> 00:21:37,584 or regular retired until you're 60. 392 00:21:37,894 --> 00:21:40,974 As a gray area retiree, you may 393 00:21:40,974 --> 00:21:44,234 be authorized for TRICARE Reserve Retired, which 394 00:21:44,234 --> 00:21:47,824 is a premium-based plan that can get costly. 395 00:21:47,824 --> 00:21:51,184 To learn more, please visit TRICARE.mil/RetireReserve. 396 00:21:51,184 --> 00:21:53,854 Next. 397 00:21:58,044 --> 00:22:01,424 Becoming Medicare eligible at age 398 00:22:01,424 --> 00:22:04,464 65. Upon turning 399 00:22:04,464 --> 00:22:08,064 65, you’re auto-enrolled in TRICARE For Life. 400 00:22:08,064 --> 00:22:11,144 Now, you must enroll in and pay 401 00:22:11,144 --> 00:22:14,304 for Medicare Part B. You will 402 00:22:14,304 --> 00:22:17,384 usually receive documentation to enroll in Medicare 403 00:22:17,384 --> 00:22:20,464 two to three months from the date of your 404 00:22:20,464 --> 00:22:23,824 65-year-old birthday. You can learn more about enrolling in 405 00:22:23,824 --> 00:22:24,844 Medicare by visiting 406 00:22:25,704 --> 00:22:28,664 www.ssa.gov. 407 00:22:29,834 --> 00:22:33,144 When the sponsor turns 65 and there 408 00:22:33,144 --> 00:22:36,344 is still eligible family members, they can either change 409 00:22:36,344 --> 00:22:39,864 their plan, or they can keep the one that they 410 00:22:39,864 --> 00:22:43,704 have. If there's no other eligible family members that are in the plan, 411 00:22:43,704 --> 00:22:46,984 then they would go from a family plan to a single plan, and 412 00:22:46,984 --> 00:22:49,914 that's either with TRICARE Prime or TRICARE Select. 413 00:22:51,584 --> 00:22:54,904 Additionally, if you have healthcare coverage through your employer, 414 00:22:54,904 --> 00:22:58,104 you can delay the enrollment in Medicare Part B, but 415 00:22:58,104 --> 00:22:59,584 you must have Part A 416 00:23:00,054 --> 00:23:03,824 and Part B to have TRICARE For 417 00:23:03,824 --> 00:23:06,864 Life. It’s important to note that if you lose Medicare and you 418 00:23:06,864 --> 00:23:09,944 don't sign up for it, you will also lose your 419 00:23:09,944 --> 00:23:13,744 eligibility to TRICARE. So please remember: 420 00:23:13,744 --> 00:23:16,944 You have to sign up for and you have to pay 421 00:23:16,944 --> 00:23:20,224 for Medicare Part B. And as a reminder, 422 00:23:20,224 --> 00:23:23,424 you have 90 days to do it. You will 423 00:23:23,424 --> 00:23:26,664 get Part A as part of it and you will find more 424 00:23:26,664 --> 00:23:29,944 information on this at TRICARE.mil/Medicare 425 00:23:29,944 --> 00:23:30,264 and 426 00:23:30,534 --> 00:23:33,614 TRICARE.mil/TFL. 427 00:23:36,624 --> 00:23:36,734 Next, please. 428 00:23:40,304 --> 00:23:43,784 When a member separates from active duty, depending 429 00:23:43,784 --> 00:23:47,264 on the status of that member, they may qualify for 430 00:23:47,264 --> 00:23:50,584 the Transitional Assistance Management Program, or 431 00:23:50,584 --> 00:23:54,104 TAMP, or the Continued Health Care 432 00:23:54,104 --> 00:23:57,304 Benefit Program, or CHCBP. If you're 433 00:23:57,304 --> 00:24:00,824 eligible for TAMP, you're going to automatically be enrolled into 434 00:24:00,824 --> 00:24:01,744 TRICARE Select. 435 00:24:02,414 --> 00:24:06,664 And please remember that 90-day timeframe. 436 00:24:06,664 --> 00:24:09,824 You have 90 days to contact DEERS and 437 00:24:09,824 --> 00:24:14,024 to contact the TRICARE contractor to make any updates. 438 00:24:14,024 --> 00:24:17,214 If you're not eligible for TAMP, you'll be given 439 00:24:17,214 --> 00:24:19,214 60 days to enroll in CHCBP. 440 00:24:21,144 --> 00:24:25,224 Some QLEs, like separating, deactivating, or 441 00:24:25,224 --> 00:24:28,704 changes in marital status, can lead to losing your 442 00:24:28,704 --> 00:24:31,944 TRICARE eligibility, and you may be eligible for 443 00:24:31,944 --> 00:24:33,544 TAMP or CHCBP. 444 00:24:34,654 --> 00:24:38,024 It's the service that determines 445 00:24:38,024 --> 00:24:41,624 TRICARE eligibility, and it's the contractor 446 00:24:41,624 --> 00:24:45,184 who then manages the TRICARE enrollment. To 447 00:24:45,184 --> 00:24:48,904 learn more, please visit TRICARE.mil/separating. 448 00:24:48,904 --> 00:24:51,454 Next. 449 00:24:54,344 --> 00:24:57,354 So, how do you change your plan 450 00:24:57,354 --> 00:25:01,184 outside of a QLE? The answer is TRICARE 451 00:25:01,184 --> 00:25:04,384 Open Season. For this year, TRICARE 452 00:25:04,384 --> 00:25:07,624 Open Season runs from 453 00:25:07,624 --> 00:25:10,824 Nov. 11, 2024, through Dec. 10, 2024. 454 00:25:10,824 --> 00:25:14,344 And any changes that you 455 00:25:14,344 --> 00:25:17,904 make during that time will become effective 456 00:25:17,904 --> 00:25:19,624 Jan. 1, 2025. 457 00:25:20,464 --> 00:25:23,864 It's a great idea to check DEERS before 458 00:25:23,864 --> 00:25:24,224 open season starts 459 00:25:24,574 --> 00:25:27,974 to ensure that everything in your DEERS record 460 00:25:27,974 --> 00:25:31,704 is accurate and up to date. Open season 461 00:25:31,704 --> 00:25:34,824 does not apply to active duty service members, 462 00:25:34,824 --> 00:25:38,304 TRICARE For Life, or the TRICARE premium- 463 00:25:38,304 --> 00:25:41,514 based plans. And the plans that don't require 464 00:25:41,514 --> 00:25:45,384 a QLE are TRICARE Reserve Select, TRICARE 465 00:25:45,384 --> 00:25:48,904 Retired Reserve, and TRICARE Young 466 00:25:48,904 --> 00:25:49,214 Adult. Next. 467 00:25:53,494 --> 00:25:57,104 Voluntary dental and vision coverage. 468 00:25:57,104 --> 00:26:00,624 Depending on your sponsor status and the beneficiary’s 469 00:26:00,624 --> 00:26:03,904 category, you may be eligible to purchase dental and vision 470 00:26:03,904 --> 00:26:07,624 coverage. It's all through the TRICARE Dental 471 00:26:07,624 --> 00:26:11,184 Program and also through the Federal Employees Dental 472 00:26:11,184 --> 00:26:14,784 and Vision Insurance Program, or FEDVIP. 473 00:26:14,784 --> 00:26:17,984 You have to go on to their website and you have to 474 00:26:17,984 --> 00:26:21,104 answer some questions to see if you actually 475 00:26:21,104 --> 00:26:22,814 qualify for the FEDVIP program. 476 00:26:23,204 --> 00:26:26,894 Depending on the selections you make, the results will 477 00:26:26,894 --> 00:26:30,414 determine your eligibility. If you're eligible, then 478 00:26:30,414 --> 00:26:33,854 you can purchase it at that time. And you can find more 479 00:26:33,854 --> 00:26:38,124 information on that at TRICARE.mil/TDP 480 00:26:38,124 --> 00:26:41,494 for TRICARE Dental Plan, 481 00:26:41,494 --> 00:26:44,614 and for FEDVIP, you would have to go 482 00:26:44,614 --> 00:26:48,254 to benefeds.com. For this 483 00:26:48,254 --> 00:26:52,094 year, the 2025 open season for federal benefits 484 00:26:52,094 --> 00:26:53,724 is going to be Nov. 11, 2024 485 00:26:54,404 --> 00:26:57,604 through Dec. 9, 2024. 486 00:26:57,604 --> 00:27:00,774 If it's 487 00:27:00,774 --> 00:27:04,334 a FEDVIP QLE, make sure you also 488 00:27:04,334 --> 00:27:08,094 contact them through their open season, and 489 00:27:08,094 --> 00:27:11,134 also contact the appropriate regional contractor. 490 00:27:11,134 --> 00:27:14,174 Again, Humana for the East, 491 00:27:14,174 --> 00:27:18,124 Health Net Federal Services for the West Region. Otherwise, 492 00:27:18,124 --> 00:27:21,374 there is nothing else you need to do. I'm going to turn 493 00:27:21,374 --> 00:27:22,764 it back over to Ms. Zelly Zim. 494 00:27:24,264 --> 00:27:27,494 ZIM: Thank you, Marc. So here on 495 00:27:27,494 --> 00:27:30,694 our next slide, before we shift to our Q & A portion, 496 00:27:30,694 --> 00:27:33,854 I just want to highlight some resources that can help you learn more 497 00:27:33,854 --> 00:27:37,334 about your benefits. First, I want to share some materials 498 00:27:37,334 --> 00:27:40,374 in the TRICARE publications library related to the QLEs that 499 00:27:40,374 --> 00:27:43,694 you might find useful. The TRICARE Qualifying 500 00:27:43,694 --> 00:27:46,934 Life Events Fact Sheet is a great summary of the types of QLEs 501 00:27:46,934 --> 00:27:50,174 and your options following a QLE. Speaking of those, since 502 00:27:50,174 --> 00:27:53,214 that's our topic for today, I just want to remind you of a couple of things. 503 00:27:53,404 --> 00:27:56,644 So, we did talk a lot about how you have 90 days 504 00:27:56,644 --> 00:28:00,054 for these Qualifying Life Events, and Marc did call out two 505 00:28:00,054 --> 00:28:04,054 of the specific exceptions to those. One is retirement, where 506 00:28:04,054 --> 00:28:07,254 you do have a period up to 12 months to make sure 507 00:28:07,254 --> 00:28:10,414 that you and your family are in the correct 508 00:28:10,414 --> 00:28:13,694 plan, as long as you pay back your enrollment fees for that time 509 00:28:13,694 --> 00:28:16,734 period back to your retirement date. And the second one 510 00:28:16,734 --> 00:28:20,054 is Medicare. Though eligibility for Medicare 511 00:28:20,054 --> 00:28:23,484 does create a 90-day period for someone else in your family to change plans 512 00:28:24,244 --> 00:28:27,414 for the actual beneficiary who is 513 00:28:27,414 --> 00:28:31,334 eligible for Medicare, you do have an initial enrollment period where 514 00:28:31,334 --> 00:28:34,894 you need to enroll in Medicare as soon as possible. Make 515 00:28:34,894 --> 00:28:38,244 sure that if you're the one who's eligible for Medicare, that you enroll 516 00:28:38,244 --> 00:28:42,134 no later than two months before you turn 65. 517 00:28:42,134 --> 00:28:45,694 A couple of the other resources on here are the TRICARE 518 00:28:45,694 --> 00:28:48,894 Plans Overview Fact Sheet, which summarizes the TRICARE 519 00:28:48,894 --> 00:28:52,284 plan options that may be available to you following your 520 00:28:52,284 --> 00:28:52,924 Qualifying Life Event. 521 00:28:53,284 --> 00:28:56,494 We also have brochures with information about retiring 522 00:28:56,494 --> 00:28:59,814 from active duty and retiring from the National Guard or Reserve. 523 00:28:59,814 --> 00:29:03,014 And if you're retiring soon and you found today's webinar helpful, 524 00:29:03,014 --> 00:29:06,404 you may also want to watch our recent TRICARE Options in Retirement 525 00:29:06,404 --> 00:29:09,414 webinar. You can download our various fact 526 00:29:09,414 --> 00:29:12,774 sheets and brochures by going to TRICARE.mil/publications, 527 00:29:12,774 --> 00:29:15,854 and you can find the webinar that I just mentioned, 528 00:29:15,854 --> 00:29:18,804 as well as others, at TRICARE.mil/webinars. 529 00:29:19,614 --> 00:29:20,414 Next slide, please. 530 00:29:21,404 --> 00:29:24,454 And since you were just talking about TRICARE 531 00:29:24,454 --> 00:29:27,654 For Life or our Medicare options here, I want to let you know 532 00:29:27,654 --> 00:29:31,814 about some of the helpful resources we have to help you navigate that. 533 00:29:31,814 --> 00:29:35,334 If you go to TRICARE.mil/publications, you can download our 534 00:29:35,334 --> 00:29:38,534 TRICARE For Life Handbook and brochures about Medicare 535 00:29:38,534 --> 00:29:41,734 eligibility and TRICARE. One of my favorite 536 00:29:41,734 --> 00:29:45,254 TRICARE For Life resources is our Get to Know TRICARE podcast, 537 00:29:45,254 --> 00:29:48,534 which has six episodes about TRICARE For Life and its interaction with 538 00:29:48,534 --> 00:29:48,884 Medicare. 539 00:29:49,124 --> 00:29:52,574 You can find that podcast by going to 540 00:29:52,574 --> 00:29:55,244 TRICARE.mil/podcasts. Next slide. 541 00:29:57,054 --> 00:30:00,494 So, here is our contact information for the TRICARE 542 00:30:00,494 --> 00:30:04,014 contractors and partners that we referenced throughout the presentation. 543 00:30:04,014 --> 00:30:07,134 These are the places that you can reach out to when you're looking to enroll 544 00:30:07,134 --> 00:30:10,214 over the phone or online. The contractors for 545 00:30:10,214 --> 00:30:13,254 East, West, Overseas, and USFHP, or the 546 00:30:13,254 --> 00:30:16,374 United States Family Health Plan, can help give you information 547 00:30:16,374 --> 00:30:20,014 specific to where you live. Your point of contact for TRICARE For Life 548 00:30:20,014 --> 00:30:22,254 questions is also based on where you live. 549 00:30:23,124 --> 00:30:26,334 And as another reminder, I do want to remind you 550 00:30:26,334 --> 00:30:30,174 that you can find this information on TRICARE.mil/webinars, and 551 00:30:30,174 --> 00:30:33,654 you can also download a copy of this presentation later on. 552 00:30:33,654 --> 00:30:36,854 You can also go to TRICARE.mil/CallUs 553 00:30:36,854 --> 00:30:40,414 if you need help figuring out who to contact. 554 00:30:40,414 --> 00:30:40,724 Next slide. 555 00:30:42,294 --> 00:30:45,614 So finally, I want to remind you that there are many ways 556 00:30:45,614 --> 00:30:49,214 to stay up to date with TRICARE. You can visit newsroom.TRICARE.mil 557 00:30:49,214 --> 00:30:52,134 to see the latest articles and news about your benefit. 558 00:30:52,804 --> 00:30:56,324 You can go to TRICARE.mil/subscriptions 559 00:30:56,324 --> 00:30:59,534 to subscribe to benefit update emails and newsletters. 560 00:30:59,534 --> 00:31:03,024 And you can also follow TRICARE on social media. 561 00:31:03,024 --> 00:31:07,134 So now, I'll hand things back over to Calvin to start our Q & A session. 562 00:31:07,134 --> 00:31:10,494 KELLER: Thanks, Zelly. We've already received some questions 563 00:31:10,494 --> 00:31:14,014 during the presentation, but I want to take a moment to quickly 564 00:31:14,014 --> 00:31:17,324 explain how you can submit your questions. 565 00:31:17,324 --> 00:31:20,384 First, click the speech bubble icon at the top of the Q & A 566 00:31:20,384 --> 00:31:23,044 pane, then click the My Questions 567 00:31:23,204 --> 00:31:26,774 tab and enter your question into the Ask a 568 00:31:26,774 --> 00:31:30,334 Question box and hit submit. We'll try to get to 569 00:31:30,334 --> 00:31:33,814 as many of your questions as we can today. 570 00:31:33,814 --> 00:31:36,974 Let's start with our first question: 571 00:31:36,974 --> 00:31:40,084 My family and I are moving, and we want to keep 572 00:31:40,084 --> 00:31:43,094 TRICARE Prime. How do I find 573 00:31:43,094 --> 00:31:45,564 out if I can still have TRICARE Prime? 574 00:31:47,644 --> 00:31:50,774 LAGOY: Excellent question, sir. There's 575 00:31:50,774 --> 00:31:54,854 multiple answers here. Go to 576 00:31:54,854 --> 00:31:58,214 TRICARE.mil/PlanFinder. That one definitely 577 00:31:58,214 --> 00:32:01,374 will help to see if you could still use TRICARE 578 00:32:01,374 --> 00:32:04,484 Prime. You can also use the TRICARE ZIP code 579 00:32:04,484 --> 00:32:07,644 lookup tool to find out if you live in 580 00:32:07,644 --> 00:32:11,404 a Prime Service Area. There, you'll go to 581 00:32:11,404 --> 00:32:12,684 TRICARE.mil/PSAZip. 582 00:32:13,414 --> 00:32:16,854 Check your ZIP code. 583 00:32:16,854 --> 00:32:18,734 You can also call your regional contractor 584 00:32:19,204 --> 00:32:22,414 to see if you could still 585 00:32:22,414 --> 00:32:22,444 use TRICARE Prime. 586 00:32:28,164 --> 00:32:31,894 KELLER: Thanks. Next question: 587 00:32:31,894 --> 00:32:35,054 My wife and I are getting divorced right 588 00:32:35,054 --> 00:32:38,174 now. She's my sponsor. What happens to my 589 00:32:38,174 --> 00:32:42,334 TRICARE eligibility when the divorce is final? 590 00:32:42,334 --> 00:32:45,654 ZIM: That's also a great question. So, in this situation, 591 00:32:45,654 --> 00:32:49,374 if the wife is the sponsor, once 592 00:32:49,374 --> 00:32:52,414 the divorce is finalized, then you would no 593 00:32:52,414 --> 00:32:54,804 longer have TRICARE eligibility unless 594 00:32:55,174 --> 00:32:58,254 you fall into one of the categories which we call our 595 00:32:58,254 --> 00:32:59,894 20/20/20 or 20/20/15. 596 00:33:00,564 --> 00:33:03,854 So, I would encourage you to go to our TRICARE 597 00:33:03,854 --> 00:33:07,614 website, TRICARE.mil/QLEs, and look up the 598 00:33:07,614 --> 00:33:10,804 marriage QLE. There's more information there on what 599 00:33:10,804 --> 00:33:14,014 happens, FAQs for divorce, to see if you qualify 600 00:33:14,014 --> 00:33:17,334 for continued TRICARE coverage. But typically, at the 601 00:33:17,334 --> 00:33:20,494 time of divorce, the same day of that divorce 602 00:33:20,494 --> 00:33:23,654 decree is when the TRICARE eligibility would 603 00:33:23,654 --> 00:33:24,724 end. Next question. 604 00:33:26,294 --> 00:33:29,374 KELLER: Thank you. I'm getting divorced; will my stepkids 605 00:33:29,374 --> 00:33:31,174 still be eligible for TRICARE? 606 00:33:33,624 --> 00:33:36,944 LAGOY: That's an excellent question. It's important to 607 00:33:36,944 --> 00:33:40,094 know the former spouse only remains eligible for 608 00:33:40,094 --> 00:33:44,534 TRICARE if he or she meets certain criteria. 609 00:33:44,534 --> 00:33:47,614 Any stepchildren of the sponsor which the sponsor 610 00:33:47,614 --> 00:33:50,184 did not adopt lose eligibility. 611 00:33:54,424 --> 00:33:58,094 KELLER: Great. Next question: 612 00:33:58,094 --> 00:34:01,304 I have TRICARE Reserve Select. I'm going to 613 00:34:01,304 --> 00:34:04,814 have a baby at the end of the year. Is there a deadline 614 00:34:04,814 --> 00:34:08,224 to add my child to DEERS and enroll them in 615 00:34:08,224 --> 00:34:11,494 TRICARE Reserve Select? 616 00:34:11,494 --> 00:34:14,694 ZIM: Yes, absolutely. So, one of the websites that can help here is 617 00:34:14,694 --> 00:34:18,504 TRICARE.mil/baby. But to answer your question directly, the 618 00:34:18,504 --> 00:34:22,134 rules for TRICARE Reserve Select are similar to our retirees, in the 619 00:34:22,134 --> 00:34:25,214 sense that you do need to make sure that you enroll 620 00:34:25,214 --> 00:34:25,734 your child in DEERS, 621 00:34:25,844 --> 00:34:28,854 and then also enroll them in TRICARE Reserve 622 00:34:28,854 --> 00:34:31,894 Select, or the plan that applies to 623 00:34:31,894 --> 00:34:35,044 them, within 90 days. One thing to remember though, is that when 624 00:34:35,044 --> 00:34:38,054 you're registering your child in DEERS, you do not need to have 625 00:34:38,054 --> 00:34:41,294 their Social Security number at that time. Once you have their Social 626 00:34:41,294 --> 00:34:44,574 Security number, you can then go back and update DEERS. But you do 627 00:34:44,574 --> 00:34:47,694 need to do that within 90 days to 628 00:34:47,694 --> 00:34:50,364 ensure that your child is enrolled in a TRICARE health plan. 629 00:34:52,014 --> 00:34:55,574 KELLER: All right. Thank you. Now we have a couple questions 630 00:34:55,574 --> 00:34:56,934 about children going away to college. 631 00:34:57,604 --> 00:35:00,934 The first question: My son is 632 00:35:00,934 --> 00:35:04,304 going to college next year and will most likely be 633 00:35:04,304 --> 00:35:07,894 in a different state. My spouse is active 634 00:35:07,894 --> 00:35:11,494 retired. What can we do for him to utilize 635 00:35:11,494 --> 00:35:12,844 health care in a different location? 636 00:35:16,654 --> 00:35:20,694 ZIM: That's a great question. So, if I understand, one 637 00:35:22,404 --> 00:35:26,094 spouse is still on active duty? 638 00:35:26,094 --> 00:35:29,334 KELLER: The spouse is retired from active duty 639 00:35:38,914 --> 00:35:42,174 and the son is going 640 00:35:42,174 --> 00:35:45,494 to college in a different state. 641 00:35:45,494 --> 00:35:48,694 ZIM: For this one, if the child is going 642 00:35:48,694 --> 00:35:51,894 to college in a different state, you would need to make 643 00:35:51,894 --> 00:35:55,054 sure that they had the Qualifying Life Event update-- 644 00:35:55,054 --> 00:35:58,174 the address change for them--and you could enroll them in 645 00:35:58,174 --> 00:36:01,494 a plan based off of that. You want to make sure that their address is up to 646 00:36:01,494 --> 00:36:04,974 date, and then as long as the school that they're going to is an accredited 647 00:36:04,974 --> 00:36:07,614 school and they're still under age 23, 648 00:36:07,764 --> 00:36:10,774 they could maintain TRICARE Prime or TRICARE Select 649 00:36:10,774 --> 00:36:12,804 coverage during the time that they are in school. 650 00:36:14,574 --> 00:36:19,934 KELLER: Okay, the next question: My child went 651 00:36:19,934 --> 00:36:23,414 to college last week and the college is 652 00:36:23,414 --> 00:36:26,974 100 miles away. How can I confirm 653 00:36:26,974 --> 00:36:30,134 they are still covered by TRICARE, as 654 00:36:30,134 --> 00:36:33,614 there are in-network providers 655 00:36:33,614 --> 00:36:35,494 on the campus where they are located? 656 00:36:40,884 --> 00:36:43,924 ZIM: I can take this question as well. So, if your child 657 00:36:43,924 --> 00:36:47,214 is going off to college that is 100 miles away, if you want to 658 00:36:47,214 --> 00:36:50,244 confirm what coverage they could have or what providers 659 00:36:50,244 --> 00:36:53,574 are in-network, I would encourage you to reach out to your regional contractor, so 660 00:36:53,574 --> 00:36:56,654 you can verify that. It is true that within 661 00:36:56,654 --> 00:36:59,894 100 miles, you do not need to update 662 00:36:59,894 --> 00:37:03,054 the address, though they would need a 663 00:37:03,054 --> 00:37:06,334 drive time waiver if they're in TRICARE Prime. But this 664 00:37:06,334 --> 00:37:09,934 does get a little bit nuanced depending on which plan your child is in 665 00:37:09,934 --> 00:37:11,244 currently. If they are in TRICARE Prime, 666 00:37:11,404 --> 00:37:14,644 or if they're in TRICARE Select, the rules are different. 667 00:37:14,644 --> 00:37:17,654 I would recommend though, as I said, making sure that you 668 00:37:17,654 --> 00:37:20,734 reach out to regional contractor to see what is available 669 00:37:20,734 --> 00:37:25,174 in the area where your child is going to school, and then also thinking 670 00:37:25,174 --> 00:37:28,414 about how far your child would be driving. From there, you can look 671 00:37:28,414 --> 00:37:31,614 at whether it makes sense to have TRICARE Prime, which does require you 672 00:37:31,614 --> 00:37:35,494 to live a little closer to your 673 00:37:35,494 --> 00:37:36,444 primary care manager, or if you have 674 00:37:37,094 --> 00:37:39,774 TRICARE Select and have a little bit more flexibility there. 675 00:37:41,844 --> 00:37:45,004 KELLER: All right, thank you. So, let's switch 676 00:37:45,004 --> 00:37:48,294 over and I've got a couple of questions about TRICARE 677 00:37:48,294 --> 00:37:51,574 Young Adult. So, my first question that 678 00:37:51,574 --> 00:37:54,884 I have is: What do I need to do if my 679 00:37:54,884 --> 00:37:58,254 child is aging out? She is turning 23 680 00:37:58,254 --> 00:37:58,284 tomorrow. 681 00:38:05,164 --> 00:38:08,494 ZIM: All right, so for a child who is aging 682 00:38:08,494 --> 00:38:11,864 out of TRICARE, one of the options would be to 683 00:38:11,864 --> 00:38:14,894 have TRICARE Young Adult, which is a plan that gives you 684 00:38:14,894 --> 00:38:18,134 options between TRICARE Select and TRICARE Young 685 00:38:18,134 --> 00:38:21,574 Adult Prime, and those are again based off of the plan rules 686 00:38:21,574 --> 00:38:25,134 for TRICARE Prime and TRICARE Select. Once your 687 00:38:25,134 --> 00:38:28,294 child is aged out of the regular TRICARE and is using one of 688 00:38:28,294 --> 00:38:29,524 the young adult options, 689 00:38:30,174 --> 00:38:33,294 there are fees related to that, so you do want to make sure 690 00:38:33,294 --> 00:38:34,894 that you look into all of those things. 691 00:38:35,364 --> 00:38:38,534 Beyond the TRICARE options, I would 692 00:38:38,534 --> 00:38:42,054 also like you to go on our website and look at 693 00:38:42,054 --> 00:38:45,294 TRICARE.mil/TYA for more information about TRICARE 694 00:38:45,294 --> 00:38:48,574 Young Adult. And then there's also marketplace options as 695 00:38:48,574 --> 00:38:51,694 well as CHCBP, which is what I like to call 696 00:38:51,694 --> 00:38:54,934 a “band-aid” plan that can offer coverage for up to 18 697 00:38:54,934 --> 00:38:58,134 months if there's a period of time that they will not have 698 00:38:58,134 --> 00:39:01,254 coverage. An important thing to remember is that there's also an 699 00:39:01,254 --> 00:39:04,494 exclusion for being able to use TRICARE Young Adult 700 00:39:04,494 --> 00:39:05,924 if that young adult 701 00:39:06,004 --> 00:39:10,214 is married or if they have an employer-sponsored plan. 702 00:39:10,214 --> 00:39:13,374 Those are things that exclude them from being able to use TRICARE 703 00:39:13,374 --> 00:39:16,454 Young Adult. So, please keep that in mind as you look at our website and 704 00:39:16,454 --> 00:39:19,574 see what options you have. But with that child aging out 705 00:39:19,574 --> 00:39:22,734 tomorrow, that is something that you want to look 706 00:39:22,734 --> 00:39:23,764 at as soon as possible. 707 00:39:25,284 --> 00:39:28,294 KELLER: Okay. My next question: 708 00:39:28,294 --> 00:39:31,454 I am retired. When my child turns 709 00:39:31,454 --> 00:39:35,524 26 and is no longer eligible for TYA, 710 00:39:35,524 --> 00:39:38,854 is the change automatically done or is there some action on 711 00:39:38,854 --> 00:39:40,404 our part to terminate coverage? 712 00:39:45,814 --> 00:39:49,214 LAGOY: Sure. If they haven't contacted the 713 00:39:49,214 --> 00:39:52,694 contractor, they probably should. Once 714 00:39:52,694 --> 00:39:56,614 they're 26, they should receive some paperwork about 715 00:39:56,614 --> 00:40:00,094 what they're going to be eligible for-- 716 00:40:00,094 --> 00:40:03,254 whether it's their own employer-based 717 00:40:03,254 --> 00:40:05,694 insurance plan or another TRICARE plan. 718 00:40:09,964 --> 00:40:13,174 ZIM: Right, so CHCBP might be one of those options, as 719 00:40:13,174 --> 00:40:16,254 I mentioned, a “band-aid” for that time period 720 00:40:16,254 --> 00:40:19,544 on the federal side of options for that individual. 721 00:40:19,544 --> 00:40:23,134 But in terms of whether or not the beneficiary, whether 722 00:40:23,134 --> 00:40:26,534 that's a sponsor or the young adult themselves has to take any 723 00:40:26,534 --> 00:40:28,684 action, the coverage will terminate automatically. 724 00:40:30,694 --> 00:40:33,814 KELLER: All right, our next 725 00:40:33,814 --> 00:40:35,534 question: We're going to talk about DEERS. 726 00:40:36,564 --> 00:40:39,774 What if it takes you a month to get an appointment 727 00:40:39,774 --> 00:40:42,974 to update DEERS for a new 728 00:40:42,974 --> 00:40:46,214 dependent? It does depending on where you live, but 729 00:40:46,214 --> 00:40:47,604 need to use TRICARE in the interim. 730 00:40:49,274 --> 00:40:53,574 ZIM: If you do use your TRICARE in the interim, you 731 00:40:53,574 --> 00:40:57,134 will then need to reprocess claims, so those claims will come directly 732 00:40:57,134 --> 00:41:01,454 to you, and then you would have to get them reprocessed 733 00:41:01,454 --> 00:41:04,654 once your eligibility is reflected in DEERS. But I would caution you against 734 00:41:04,654 --> 00:41:08,894 that, simply because DEERS is what reflects your TRICARE eligibility. 735 00:41:08,894 --> 00:41:12,174 So, if you're having issues with that, please reach out to your regional 736 00:41:12,174 --> 00:41:12,954 contractor, as well. 737 00:41:14,454 --> 00:41:16,254 KELLER: Okay. The next question: 738 00:41:18,214 --> 00:41:19,414 When retiring, 739 00:41:19,804 --> 00:41:23,044 if we plan to live in two different 740 00:41:23,044 --> 00:41:26,214 states, do we have to change our address every six 741 00:41:26,214 --> 00:41:29,724 months? And does this change our medical plan if in different states? 742 00:41:31,714 --> 00:41:35,144 ZIM: This is a great question, and I'd love to plug another one of 743 00:41:35,144 --> 00:41:38,334 our webinars about retiring with TRICARE, which we 744 00:41:38,334 --> 00:41:41,574 mentioned on one of the previous slides. So, we'll talk a 745 00:41:41,574 --> 00:41:44,734 lot more in that webinar about the 746 00:41:44,734 --> 00:41:48,174 various plans. So, when you're looking at living in two different locations, 747 00:41:48,174 --> 00:41:51,374 you may find that TRICARE Select makes more sense because you have more 748 00:41:51,374 --> 00:41:54,694 flexibility between those two locations, 749 00:41:54,694 --> 00:41:57,734 because you do not have to be within a certain range of your 750 00:41:57,734 --> 00:42:01,054 primary care manager in the same way that you do with TRICARE Prime. But again, 751 00:42:01,054 --> 00:42:02,354 that's a lot more about the nuances 752 00:42:02,724 --> 00:42:06,174 between the two different plans as opposed to the Qualifying 753 00:42:06,174 --> 00:42:09,374 Life Event of retiring or moving, and so as 754 00:42:09,374 --> 00:42:12,534 I said, we have a lot more information to help you out there 755 00:42:12,534 --> 00:42:16,374 with those questions. 756 00:42:16,374 --> 00:42:17,524 KELLER: Thank you. Okay, next question: 757 00:42:19,294 --> 00:42:22,374 For the birth of a baby, do we need the 758 00:42:22,374 --> 00:42:25,934 actual birth certificate, or can we use the discharge paperwork 759 00:42:25,934 --> 00:42:26,614 from the hospital? 760 00:42:30,874 --> 00:42:34,814 ZIM: For this one, you do need a birth certificate, 761 00:42:34,814 --> 00:42:38,894 and then, as I mentioned before, you don't yet need 762 00:42:38,894 --> 00:42:42,214 the Social Security number in order to register your child in 763 00:42:42,214 --> 00:42:45,294 DEERS. Once they're registered in DEERS, you can then take the next 764 00:42:45,294 --> 00:42:48,394 steps to enroll them in a TRICARE health plan, and then of 765 00:42:48,394 --> 00:42:51,534 course, follow up with the Social Security number in DEERS once you 766 00:42:51,534 --> 00:42:52,554 have that available. 767 00:42:54,044 --> 00:42:56,404 KELLER: Okay. The next question: 768 00:42:58,894 --> 00:43:02,534 If I'm divorced under the 20/20 769 00:43:02,534 --> 00:43:06,134 rule, with the non-sponsor spouse moving to a new 770 00:43:06,134 --> 00:43:09,334 region but has not changed state of residency 771 00:43:09,334 --> 00:43:13,494 until the divorce is final, what must happen 772 00:43:13,494 --> 00:43:16,614 first? Make address changes and change regions, 773 00:43:16,614 --> 00:43:17,494 or get the divorce decree? 774 00:43:19,364 --> 00:43:23,654 ZIM: The divorce decree is what 775 00:43:23,654 --> 00:43:26,854 maintains your TRICARE eligibility following 776 00:43:26,854 --> 00:43:28,924 that date. 777 00:43:31,294 --> 00:43:34,374 So, you want to make sure that you do have that divorce 778 00:43:34,374 --> 00:43:37,734 decree before you're making any other changes to your TRICARE 779 00:43:37,734 --> 00:43:40,774 health plan, is the easiest way to answer that question, right 780 00:43:40,774 --> 00:43:44,174 now. But if you have more specific questions, please reach out 781 00:43:44,174 --> 00:43:48,174 to your regional contractor, or you can also check the QLE 782 00:43:48,174 --> 00:43:49,734 information and FAQs on our website. 783 00:43:51,304 --> 00:43:55,214 KELLER: Okay. Next question: I'm retired. 784 00:43:55,214 --> 00:43:58,464 My wife and I have moved to Panama for a few years. 785 00:43:58,464 --> 00:44:01,494 Can I get TRICARE in Panama? Currently, we have TRICARE Prime. 786 00:44:01,494 --> 00:44:04,694 ZIM: If you're retired, the 787 00:44:04,694 --> 00:44:07,974 only overseas option is TRICARE Select Overseas 788 00:44:07,974 --> 00:44:11,294 up until the point that you become Medicare eligible, and then at 789 00:44:11,294 --> 00:44:14,414 that point, you can have TRICARE For Life, 790 00:44:14,414 --> 00:44:17,534 as long as you're still paying for your Medicare Part B. 791 00:44:17,534 --> 00:44:20,814 So essentially, yes, you can continue to use your TRICARE, but 792 00:44:20,814 --> 00:44:22,464 it would need to be TRICARE Select 793 00:44:22,844 --> 00:44:24,324 if you are retired. 794 00:44:25,974 --> 00:44:29,734 KELLER: Okay. Next question: We're moving to another 795 00:44:29,734 --> 00:44:32,894 TRICARE region—example: West to 796 00:44:32,894 --> 00:44:35,934 East. I know you mentioned you have 90 days from the date 797 00:44:35,934 --> 00:44:39,334 of your address change to change your health 798 00:44:39,334 --> 00:44:42,854 plan. However, if you need to have a medical 799 00:44:42,854 --> 00:44:46,134 appointment during that time, will your existing 800 00:44:46,134 --> 00:44:49,214 plan still work, even though it's out of the 801 00:44:49,214 --> 00:44:52,334 correct region? Or do you need to update to your new region’s 802 00:44:52,334 --> 00:44:55,014 plan before you can schedule a medical appointment? 803 00:44:56,754 --> 00:45:00,074 ZIM: Marc, would you like to take this question? 804 00:45:00,074 --> 00:45:03,174 LAGOY: Yes, it's probably best for you to definitely 805 00:45:03,174 --> 00:45:06,854 change that plan before you schedule an appointment, 806 00:45:06,854 --> 00:45:10,374 because any of those EOBs and claims may not pay correctly. 807 00:45:13,214 --> 00:45:17,214 KELLER: Okay, thank you. So now, let's shift and I 808 00:45:17,214 --> 00:45:19,494 have a couple questions about TRICARE For Life. 809 00:45:22,494 --> 00:45:23,614 My first question: 810 00:45:25,324 --> 00:45:28,494 When you turn 65, do you 811 00:45:28,494 --> 00:45:32,014 automatically go to TRICARE For Life? 812 00:45:32,014 --> 00:45:35,164 ZIM: I’m going to take this opportunity to introduce Ms. Anne Breslin, 813 00:45:35,164 --> 00:45:38,654 who's also on our team, and she's here with us. She is 814 00:45:38,654 --> 00:45:41,934 the subject matter expert and program manager for TRICARE 815 00:45:41,934 --> 00:45:45,574 For Life. So, we'll go back to that first TRICARE for Life question. Could you read 816 00:45:45,574 --> 00:45:49,014 it again, please, Calvin? 817 00:45:49,014 --> 00:45:49,124 KELLER: Yes. When you turn 65, 818 00:45:50,214 --> 00:45:53,534 do you automatically go to TRICARE For Life? 819 00:45:53,534 --> 00:45:56,854 ANNE BRESLIN: So, there is an important action step that everyone must 820 00:45:56,854 --> 00:45:58,174 take before they turn 65. 821 00:45:59,004 --> 00:46:02,094 You'll receive a notice in the mail about 822 00:46:02,094 --> 00:46:05,334 five months before the month you turn 65. 823 00:46:05,334 --> 00:46:08,534 That notice will direct you to some of the resources Zelly referred 824 00:46:08,534 --> 00:46:13,574 you to on our TRICARE website under publications. 825 00:46:13,574 --> 00:46:17,254 There's a brochure called Turning 65; there's every 826 00:46:17,254 --> 00:46:20,694 possible scenario outlined in that brochure. 827 00:46:20,694 --> 00:46:23,844 You will need to sign up for Medicare Part A & B, 828 00:46:23,844 --> 00:46:24,364 as in “boy.” 829 00:46:25,174 --> 00:46:27,614 A does not have premiums, B does. 830 00:46:28,524 --> 00:46:31,574 And you need to do 831 00:46:31,574 --> 00:46:34,854 that during your initial enrollment period, and that is dependent upon 832 00:46:34,854 --> 00:46:38,014 your birth date. So, refer to that Turning Age 65 833 00:46:38,014 --> 00:46:39,884 Brochure for those details. Thank you. 834 00:46:41,224 --> 00:46:44,484 KELLER: Thanks, Anne. Our next question: 835 00:46:44,484 --> 00:46:48,884 My wife will retire next year at 65 and be signed up for 836 00:46:48,884 --> 00:46:52,244 Medicare Parts A & B. I will be 62. 837 00:46:52,244 --> 00:46:55,284 I know that is a QLE for 838 00:46:55,284 --> 00:46:58,684 me. For TRICARE Prime, how do I change to a single plan at 839 00:46:58,684 --> 00:46:59,064 that time? 840 00:47:05,384 --> 00:47:09,654 ZIM: So, if you're going to be 62, 841 00:47:09,654 --> 00:47:11,744 you do have a QLE that you could change. 842 00:47:13,444 --> 00:47:16,844 But there's not really a difference between 843 00:47:16,844 --> 00:47:20,044 the single and the family besides the cost of the plan, right? So, you could 844 00:47:20,044 --> 00:47:23,084 be in TRICARE Prime, though your spouse is in TRICARE For 845 00:47:23,084 --> 00:47:26,444 Life at that point. Or you could switch to TRICARE Select while 846 00:47:26,444 --> 00:47:29,644 your spouse is in TRICARE For Life. So essentially just at 847 00:47:29,644 --> 00:47:32,764 that period where you have the Qualifying Life Event because your 848 00:47:32,764 --> 00:47:34,604 wife is going to be moving to TFL, 849 00:47:35,194 --> 00:47:37,034 you can make whatever changes you need to. 850 00:47:41,524 --> 00:47:44,764 KELLER: Thank you. Does TRICARE For Life 851 00:47:44,764 --> 00:47:45,164 cover vision and hearing? 852 00:47:48,364 --> 00:47:51,484 BRESLIN: So, vision is not 853 00:47:51,484 --> 00:47:55,044 a covered benefit. 854 00:47:55,044 --> 00:47:58,084 Marc referenced the Federal Employee 855 00:47:58,084 --> 00:48:01,724 Dental and Vision Insurance Program. You would be eligible 856 00:48:01,724 --> 00:48:05,244 for those options, and you can go to 857 00:48:05,244 --> 00:48:05,524 Benefeds.com 858 00:48:05,954 --> 00:48:08,964 to check your plan 859 00:48:08,964 --> 00:48:09,074 options out. 860 00:48:10,844 --> 00:48:13,964 Hearing, generally, 861 00:48:13,964 --> 00:48:15,524 no, hearing is not a covered benefit. 862 00:48:18,344 --> 00:48:19,144 KELLER: Okay. 863 00:48:20,514 --> 00:48:23,754 Next question: Currently, my TRICARE 864 00:48:23,754 --> 00:48:26,844 insurance comes out of an allotment from DFAS. 865 00:48:26,844 --> 00:48:30,164 I am unclear about how TRICARE 866 00:48:30,164 --> 00:48:33,324 For Life will be resourced. Do I need to do something 867 00:48:33,324 --> 00:48:36,884 specific to handle the Part B Medicare fees? 868 00:48:36,884 --> 00:48:40,324 BRESLIN: Okay, so there are Part B Medicare fees. There are no 869 00:48:40,324 --> 00:48:43,514 TRICARE For Life enrollment fees. The Medicare 870 00:48:43,514 --> 00:48:47,284 Part B fees are taken out of your Social Security retirement 871 00:48:47,284 --> 00:48:50,604 or disability check if you're receiving either one of those. If you 872 00:48:50,604 --> 00:48:50,754 are not, 873 00:48:51,074 --> 00:48:54,164 you will receive a quarterly bill 874 00:48:54,164 --> 00:48:57,324 in which you will need to pay that 875 00:48:57,324 --> 00:48:58,714 bill, write a check, send it in. 876 00:49:00,524 --> 00:49:03,644 KELLER: All right. Next question: 877 00:49:03,644 --> 00:49:06,804 I've never had to go outside of any military 878 00:49:06,804 --> 00:49:11,004 facilities for TRICARE. When and if I do venture 879 00:49:11,004 --> 00:49:14,204 out via private sector for my TRICARE, I wouldn't know where 880 00:49:14,204 --> 00:49:18,044 to start to implement paperwork. Any guidance 881 00:49:18,044 --> 00:49:20,604 or suggestions? Thank you ahead of time. 882 00:49:21,474 --> 00:49:24,524 ZIM: Well, it's awesome to hear that you've been able to receive all the 883 00:49:24,524 --> 00:49:28,084 care that you need at our military medical facilities. 884 00:49:28,084 --> 00:49:31,324 And as you're navigating the private sector piece, we 885 00:49:31,324 --> 00:49:34,404 have lots of resources to help you. I know we've talked about a lot of 886 00:49:34,404 --> 00:49:37,604 them on this webinar, but I would like 887 00:49:37,604 --> 00:49:40,924 to point out a few that could be helpful. 888 00:49:40,924 --> 00:49:44,764 Again, the webinar that talks about the various different types of plans that we 889 00:49:44,764 --> 00:49:48,284 have, and that will also talk to you about how you access care in 890 00:49:48,284 --> 00:49:51,444 those various plans and then from that point, once 891 00:49:51,444 --> 00:49:51,754 you know 892 00:49:52,034 --> 00:49:55,444 whether TRICARE Prime or TRICARE Select is the option, and you 893 00:49:55,444 --> 00:49:58,804 understand how TRICARE Prime features primarily usage 894 00:49:58,804 --> 00:50:01,964 of the MTFs or primary care manager, and 895 00:50:01,964 --> 00:50:06,244 then TRICARE Select is using the network. Once you learn all those various nuances, we 896 00:50:06,244 --> 00:50:09,444 can also then move to understanding more about pharmacy, 897 00:50:09,444 --> 00:50:12,644 which also is spoken about there in those webinars. So 898 00:50:12,644 --> 00:50:15,764 I would direct you to all those various resources, 899 00:50:15,764 --> 00:50:18,964 but just would like to reassure you that we're not going to leave you high and 900 00:50:18,964 --> 00:50:22,324 dry there. We're definitely going to hold your hand as you walk through that process and 901 00:50:22,324 --> 00:50:22,674 make sure that you 902 00:50:22,794 --> 00:50:26,604 understand the rules for your various plan 903 00:50:26,604 --> 00:50:30,284 options. It's a great question. 904 00:50:30,284 --> 00:50:33,484 KELLER: Thanks. Okay, next question: Can you use TRICARE if you live/move overseas 905 00:50:33,484 --> 00:50:35,194 for work? How would this work? 906 00:50:36,874 --> 00:50:39,884 ZIM: This is a good question. I think this also depends on 907 00:50:39,884 --> 00:50:43,084 a few various factors. So, if 908 00:50:43,084 --> 00:50:47,004 you are a retiree and you're living overseas, then your 909 00:50:47,004 --> 00:50:50,084 option would be TRICARE Select Overseas, 910 00:50:50,084 --> 00:50:54,004 as we kind of mentioned before with the question about living in Panama. 911 00:50:54,004 --> 00:50:58,004 But then, if you are 912 00:50:58,004 --> 00:51:01,324 living overseas and you're moving back and forth, there would 913 00:51:01,324 --> 00:51:04,564 definitely have to be some conversation about how exactly that would work 914 00:51:04,564 --> 00:51:06,954 for you. So, I would definitely refer you to 915 00:51:07,354 --> 00:51:10,644 TRICARE.mil/Overseas. TOP is 916 00:51:10,644 --> 00:51:13,964 the Overseas Program page, to understand how TRICARE works 917 00:51:13,964 --> 00:51:17,124 overseas. One consideration is that typically for your 918 00:51:17,124 --> 00:51:20,524 claims overseas, you do have to pay those upfront and then TRICARE 919 00:51:20,524 --> 00:51:23,834 reimburses, whereas when you live stateside, TRICARE 920 00:51:23,834 --> 00:51:26,964 pays first and then afterwards, you get 921 00:51:26,964 --> 00:51:27,274 billed. 922 00:51:30,134 --> 00:51:31,294 KELLER: Last question: 923 00:51:34,704 --> 00:51:37,724 When does open season start this year and 924 00:51:37,724 --> 00:51:38,104 when does it end? 925 00:51:39,964 --> 00:51:43,004 LAGOY: For this year, TRICARE's 926 00:51:43,004 --> 00:51:46,244 Open Season starts Nov. 11, 2024 927 00:51:46,244 --> 00:51:49,444 through Dec. 10, 2024. 928 00:51:49,444 --> 00:51:52,924 And it's important to remember 929 00:51:52,924 --> 00:51:56,164 any changes that are made during this time will 930 00:51:56,164 --> 00:51:59,364 become effective Jan. 1, 2025. 931 00:52:02,434 --> 00:52:05,724 KELLER: Great. Well, ladies and gentlemen, 932 00:52:05,724 --> 00:52:09,564 that's all the time we have for questions today. 933 00:52:09,564 --> 00:52:12,804 Zelly or Marc, is there anything else you'd like to share with our 934 00:52:12,804 --> 00:52:14,874 audience before we conclude today's webinar? 935 00:52:16,034 --> 00:52:19,684 LAGOY: Just a second of gratitude, sir. 936 00:52:19,684 --> 00:52:22,844 Everybody’s super busy and there's a lot 937 00:52:22,844 --> 00:52:26,124 to learn and a lot to do, but the fact everybody made 938 00:52:26,124 --> 00:52:29,214 time to come and join us on this today 939 00:52:29,214 --> 00:52:30,354 means a lot. So, thank you. 940 00:52:31,394 --> 00:52:34,404 ZIM: Absolutely. I'd echo what Marc said in terms of 941 00:52:34,404 --> 00:52:37,564 thanks for your time today and also for the questions, because it's helpful to 942 00:52:37,564 --> 00:52:41,524 hear what various questions you all have. And then just lastly as you're 943 00:52:41,524 --> 00:52:45,004 navigating all of this, I'd like to point you again to the various resources 944 00:52:45,004 --> 00:52:48,164 that we have, the other webinars that we have. We have many 945 00:52:48,164 --> 00:52:51,444 opportunities like this for you to ask direct questions. And so, we hope 946 00:52:51,444 --> 00:52:54,644 you take advantage of those as well as speaking to the 947 00:52:54,644 --> 00:52:57,844 regional contractors as you navigate your TRICARE health plan. But 948 00:52:57,844 --> 00:52:59,514 thank you very much for your time and for your service. 949 00:53:00,574 --> 00:53:03,804 KELLER: Marvelous, Zelly and Marc, thank you so much for sharing 950 00:53:03,804 --> 00:53:07,044 your knowledge and expertise with us today. 951 00:53:07,044 --> 00:53:10,164 I’d also like to thank all of you, our attendees, for participating 952 00:53:10,164 --> 00:53:13,374 in today's webinar. If we didn't get a 953 00:53:13,374 --> 00:53:16,404 chance to answer your question today, you can find a 954 00:53:16,404 --> 00:53:19,844 lot of your answers on TRICARE.mil and 955 00:53:19,844 --> 00:53:23,694 TRICARE.mil/FAQ. 956 00:53:23,694 --> 00:53:24,174 As a reminder, 957 00:53:25,044 --> 00:53:28,764 you can find the slides from today's webinar on 958 00:53:28,764 --> 00:53:32,404 TRICARE.mil/webinars. 959 00:53:32,404 --> 00:53:36,284 Also, keep an eye out on this page for the recording of this webinar, which 960 00:53:36,284 --> 00:53:37,484 we'll post in the coming weeks. 961 00:53:38,494 --> 00:53:42,764 This concludes today's webinar, Moving, Marriage, 962 00:53:42,764 --> 00:53:46,644 and More: What TRICARE Qualifying Life Events Mean 963 00:53:46,644 --> 00:53:48,174 for You. Thank you.