What TRICARE Beneficiaries Need to Know About Open Enrollment and the Health
It's time for open enrollment; the time of year when people can enroll in or
change their health insurance plan. The open enrollment period for
<http://www.healthcare.gov/> HealthCare.gov is November 1, 2015 to January 31,
2016 for 2016 coverage.
How does this affect you? Most TRICARE beneficiaries don't need to worry about
open enrollment. However, for beneficiaries who are not eligible for TRICARE
coverage, have lost or are losing coverage, or may qualify to purchase a TRICARE
premium-based health plan ( <http://www.tricare.mil/Plans/HealthPlans/TYA.aspx>
TYA, <http://www.tricare.mil/Plans/HealthPlans/TRR.aspx> TRR,
<http://www.tricare.mil/Plans/HealthPlans/TRS.aspx> TRS or
<http://www.tricare.mil/Plans/SpecialPrograms/CHCBP.aspx> CHCBP) you can utilize
this open enrollment period to see if there are other health coverage options
that work best for you and your family.
If you want to explore your local coverage options outside of TRICARE, go to
<http://www.healthcare.gov/> HealthCare.gov. You can find out if you qualify
for financial assistance and review coverage plans offered in your area without
having to submit an application. Just indicate that you don't currently have
coverage when using the portal.
When using the portal, go to the 'Individual and Families' tab on
<http://www.healthcare.gov/> HealthCare.gov, and click the 'Get Coverage' tab.
From there, click the '$ Will You Save?' section near the middle of the web
page. After selecting your initial options, use 'Get Ready to Apply' where you
can enter family size, income and your state and/or zip code of residence to get
an estimate of available coverage and costs, including available plans,
premiums, and cost shares. If you are under 30, you can get personalized health
coverage options on HealthCare.gov <https://www.healthcare.gov/under-30/#/>
After exploring the Health Insurance Marketplace options, you can use
<http://www.tricare.mil/> TRICARE.mil to compare TRICARE premium based coverage
and costs to the marketplace plans. You can also compare TRICARE plans online
with our ' <http://www.tricare.mil/Plans/ComparePlans.aspx> Compare Plans' tool.
If you need additional help, call the <http://www.healthcare.gov/>
HealthCare.gov toll free line (1-800-318-2596 or TTY: 1-855-889-4324) or contact
a local person or group in your area for assistance. Visit their '
<http://www.healthcare.gov/contact-us> Contact Us' page to enter a zip code to
find contact information for individuals and organizations in your area.
If you are currently enrolled in a premium based TRICARE plan and decide to use
a non-TRICARE option, you need to submit a disenrollment request to your TRICARE
regional contractor. Be sure not to disenroll from your current TRICARE coverage
until you confirm the start date of your new coverage so that there is no gap in
coverage and you aren't penalized or pay a tax penalty for each month that you
and the other individuals listed on your tax form do not have coverage. Once the
Defense Enrollment Eligibility Reporting System records your disenrollment date,
the Defense Manpower Data Center responds to queries from the Federal Hub that
you do not have minimum essential coverage (MEC) from the Department of Defense.
Beneficiaries losing TRICARE coverage due to separation or discharge, divorce,
aging out, etc., may qualify to enroll for alternate coverage during a special
enrollment period. They must apply for marketplace coverage within 60 day of
losing their TRICARE coverage. You can find more information online at
Don't forget that the Affordable Care Act requires most Americans, including
TRICARE beneficiaries and DoD employees, have MEC. Most TRICARE plans meet this
requirement, but if you want to explore health care options outside of TRICARE,
make sure to visit <https://www.healthcare.gov/> HealthCare.gov during open
SOURCE: TRICARE News Release at
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