Case Study: TRICARE

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CHAMPUS now known as TRICARE was implemented in 1967. TRICARE is a health care program for active and retired military personnel and their dependents. There is usually an annual deductible and copayment, which the United States government pays the cost of TRICARE coverage. There are four main regions — three in the United States and one overseas. Their are seven uniformed services – the U.S Army, U.S Navy, U.S Air Force, U.S Marine Corps, U.S Cost Guard, Commissioned Corps of the United States Public Health Service, National Oceanic & Atmospheric Administration. To be eligible for TRICARE:
• Active duty & retired service members
• Spouses & unmarried children of active-duty or retired service
• National Guard & Reserve Component service member
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This program is similar to a(n) HMO. It covers nonemergency care if the beneficiary is away from home and receives prior approval from PCM.
• TRICARE Standard: This program is a fee-for-service. It’s the new name for the traditional CHAMPUS. This program is responsible for the annual deductibles and copayments. It’s the highest out-of-pocket cost. There is no enrollment required. Active-duty sponsors’ family members are responsible for up to $1,000 while retirees are responsible for up to $3,000 a year.
• TRICARE Extra: This program is preferred provider organization (PPO). It allows TRICARE Standard users to save five percent of their TRICARE Standard Cost-Shares by using health care providers in the TRICARE network. In this program you are not required to pay an annual fee. They seek health care services from an MTF on a space-available basis.

Transitional Assistance Management Program (TAMP) is 180 days of transitional health care to help certain service members. To remain eligible for TRICARE, you must have Medicare Part A and B coverage. If you have both, you’re automatically covered by TRICARE for Life
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CHAMPVA is located in Denver, Colorado. It’s a comprehensive health care program in which the VA shares the cost of covered health care services and supplies with eligible beneficiaries. If you get eligible for TRICARE then you are not eligible for CHAMPVA. To be eligible for CHAMPVA, you have to be:
• Spouse or child of a veteran who has been permanently and totally disabled for a service-connected disability by a VA regional office.
• Surviving spouse or child of a veteran who died from a VA-rated service connected disability
• Surviving spouse or child of a veteran who was, at the time of death, rated permanently and totally disabled from a service connected disability.
• Surviving spouse or child of a military member who died in line of duty.

As you start to reach the age of 65, the eligibility for CHAMPVA gets more complicated. Some of the following is examples:
• If you are 65 years or older before June 5, 2001 and was eligible for CHAMPVA, and were entitled to Medicare Part A coverage, you are eligible even without Part B coverage.
• If you turn 65 before June 5, 2001 and have Part A, you are