questions on insurance

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guardianofgood

New member
<DIV class=MessageText_Container>I am planning on marrying my best friend very soon, she has CF of course... I know nowhere near enough about her pains, I know ABOUT CF, but thats it. I know her as a person and love her very much. I'm confused and worried about insurance though. Money is not an issue and I hope that with Tricare, and maybe another insurance, we can get by comforably. I hope someone on here can help me. Thank you!</DIV>
 
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guardianofgood

New member
<DIV class=MessageText_Container>I am planning on marrying my best friend very soon, she has CF of course... I know nowhere near enough about her pains, I know ABOUT CF, but thats it. I know her as a person and love her very much. I'm confused and worried about insurance though. Money is not an issue and I hope that with Tricare, and maybe anotherinsurance, we can get by comforably. I hope someone on here can help me. Thank you!</DIV>
 
G

guardianofgood

New member
<BR>
<DIV class=MessageText_Container>I am planning on marrying my best friend very soon, she has CF of course... I know nowhere near enough about her pains, I know ABOUT CF, but thats it. I know her as a person and love her very much. I'm confused and worried about insurance though. Money is not an issue and I hope that with Tricare, and maybe anotherinsurance, we can get by comforably. I hope someone on here can help me. Thank you!<BR></DIV>
 
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ltlhook

New member
You mention Tricare so I'm assuming you are in the military of some sort. My husband is in the Air Force. I have Medicare and Tricare. I have Medicare because I am on disability (SSDI) and have been deemed "disabled" since 2005. I did work for about 5 years where I had insurance through my employer. I was not married to my husband at the time. I have been on state Medicaid in both KS and MO. I use to do insurance billing as a job. Even though I have worked the billing side of insurance and had many different insurances over the years it doesn't make it any easier. There are many hoops to jump through but some insurance is better than none. Tricare has "Standard" and "Prime." With Prime you will be seen on base/post for regular stuff and be referred for specialists like Pulmonary docs. With Standard you can see who you want. There is more freedom with what doctors you can see and how you go about seeing them. There should be a Tricare office on your base/post where you can go and ask all your questions to figure out what would work best.

I don't know if that answered your question or made it more confusing.
 
L

ltlhook

New member
You mention Tricare so I'm assuming you are in the military of some sort. My husband is in the Air Force. I have Medicare and Tricare. I have Medicare because I am on disability (SSDI) and have been deemed "disabled" since 2005. I did work for about 5 years where I had insurance through my employer. I was not married to my husband at the time. I have been on state Medicaid in both KS and MO. I use to do insurance billing as a job. Even though I have worked the billing side of insurance and had many different insurances over the years it doesn't make it any easier. There are many hoops to jump through but some insurance is better than none. Tricare has "Standard" and "Prime." With Prime you will be seen on base/post for regular stuff and be referred for specialists like Pulmonary docs. With Standard you can see who you want. There is more freedom with what doctors you can see and how you go about seeing them. There should be a Tricare office on your base/post where you can go and ask all your questions to figure out what would work best.

I don't know if that answered your question or made it more confusing.
 
L

ltlhook

New member
You mention Tricare so I'm assuming you are in the military of some sort. My husband is in the Air Force. I have Medicare and Tricare. I have Medicare because I am on disability (SSDI) and have been deemed "disabled" since 2005. I did work for about 5 years where I had insurance through my employer. I was not married to my husband at the time. I have been on state Medicaid in both KS and MO. I use to do insurance billing as a job. Even though I have worked the billing side of insurance and had many different insurances over the years it doesn't make it any easier. There are many hoops to jump through but some insurance is better than none. Tricare has "Standard" and "Prime." With Prime you will be seen on base/post for regular stuff and be referred for specialists like Pulmonary docs. With Standard you can see who you want. There is more freedom with what doctors you can see and how you go about seeing them. There should be a Tricare office on your base/post where you can go and ask all your questions to figure out what would work best.
<br />
<br />I don't know if that answered your question or made it more confusing.
 
G

guardianofgood

New member
<P>that actually helped a lot thanks. I am army and quite new to insurance in general. Mainly because my whole life, I was poor lol. Right now I am in California at the language school and when I transfer back to Texas, thats when I am asking her. So hopefully they have better help down there. Heck, I cant even get help getting my shoulder fixed and it has been dislocated since basic. I'll look into prime as well. She says she doesnt mind working to pay for her healthcare, but I don't want her to have  to work if I can help it. She already does so much, I'd like her to have time for school, horse riding, and her photography projects. I would just hate messing up her insurance as she is still on her father's and everything is free for now. Otherwise, I can take care of her.</P>
 
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guardianofgood

New member
<P>that actually helped a lot thanks. I am army and quite new to insurance in general. Mainly because my whole life, I was poor lol. Right now I am in California at the language school and when I transfer back to Texas, thats when I am asking her. So hopefully they have better help down there. Heck, I cant even get help getting my shoulder fixed and it has been dislocated since basic. I'll look into prime as well. She says she doesnt mind working to pay for her healthcare, but I don't want her to have to work if I can help it. She already does so much, I'd like her to have time for school, horse riding, and her photography projects. I would just hate messing up her insurance as she is still on her father's and everything is free for now. Otherwise, I can take care of her.</P>
 
G

guardianofgood

New member
<P>that actually helped a lot thanks. I am army and quite new to insurance in general. Mainly because my whole life, I was poor lol. Right now I am in California at the language school and when I transfer back to Texas, thats when I am asking her. So hopefully they have better help down there. Heck, I cant even get help getting my shoulder fixed and it has been dislocated since basic. I'll look into prime as well. She says she doesnt mind working to pay for her healthcare, but I don't want her to have to work if I can help it. She already does so much, I'd like her to have time for school, horse riding, and her photography projects. I would just hate messing up her insurance as she is still on her father's and everything is free for now. Otherwise, I can take care of her.<BR></P>
 
B

Beccamom

New member
My husband is Air Force and we have Tricare Prime. My daughter is in limbo for a CF diagnosis, but does the CF treatment. I would advise you to request a case manager. Our case manager has been wonderful helping us to navigate the insurance. We are fortunate that all the Specialists we need are in-network. So far only nutrition is not covered for us. Nutrition is covered only if the person has a feeding tube. We get as many meds on base as possible, then we pay a reasonable co-pay for the rest. If the doctor you need are out of net-work that is totally different. You can go on www.mytricare.com and look at specialists by region and compare them to the CF foundation center's list on www.cff.org.

Best wishes
 
B

Beccamom

New member
My husband is Air Force and we have Tricare Prime. My daughter is in limbo for a CF diagnosis, but does the CF treatment. I would advise you to request a case manager. Our case manager has been wonderful helping us to navigate the insurance. We are fortunate that all the Specialists we need are in-network. So far only nutrition is not covered for us. Nutrition is covered only if the person has a feeding tube. We get as many meds on base as possible, then we pay a reasonable co-pay for the rest. If the doctor you need are out of net-work that is totally different. You can go on www.mytricare.com and look at specialists by region and compare them to the CF foundation center's list on www.cff.org.

Best wishes
 
B

Beccamom

New member
My husband is Air Force and we have Tricare Prime. My daughter is in limbo for a CF diagnosis, but does the CF treatment. I would advise you to request a case manager. Our case manager has been wonderful helping us to navigate the insurance. We are fortunate that all the Specialists we need are in-network. So far only nutrition is not covered for us. Nutrition is covered only if the person has a feeding tube. We get as many meds on base as possible, then we pay a reasonable co-pay for the rest. If the doctor you need are out of net-work that is totally different. You can go on www.mytricare.com and look at specialists by region and compare them to the CF foundation center's list on www.cff.org.
<br />
<br />Best wishes
<br />
 
G

guardianofgood

New member
Oh wow, how old is your daughter? Kandi was diagnosed before she was born and wasnt expected to live for more than 6 months. She's 18 now, so there is always hope. She may be the terminal one, but she has saved my life more than once. I'll look into both the tricare and the case worker. I think she may already have one, but I have to see.
 
G

guardianofgood

New member
Oh wow, how old is your daughter? Kandi was diagnosed before she was born and wasnt expected to live for more than 6 months. She's 18 now, so there is always hope. She may be the terminal one, but she has saved my life more than once. I'll look into both the tricare and the case worker. I think she may already have one, but I have to see.
 
G

guardianofgood

New member
Oh wow, how old is your daughter? Kandi was diagnosed before she was born and wasnt expected to live for more than 6 months. She's 18 now, so there is always hope. She may be the terminal one, but she has saved my life more than once. I'll look into both the tricare and the case worker. I think she may already have one, but I have to see. <BR>
 
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