Posted on May 7, 2018
Is there a way for an indefinite technician to get Tricare for his pregnant spouse?
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I currently work as an indefinite technician for the MOARNG. Being a technician means I am a federal employee and ineligible to have Tricare. This was not a major concern when I began the job and took a high deductible government health plan. Now my wife is pregnant with our 3rd child and this health insurance will cost 1 and 1/2 months of my full pay. Is there anyone who knows a way to get at least my wife on tricare while I am a technician?
Posted >1 y ago
Responses: 3
You weren't "labeled" a federal technician, you were hired (you willingly applied) for a job whose benefits are provided for by laws under United States Code; Title 32.
There are certain qualifying life events which allows you to change your coverage. Birth of a child is one. So, this means you should be able to pick a cheaper FEHB plan now - outside of open enrollment season.
Life comes at you fast - which you are learning
For some reason my entire post does not show - earlier I responded from my ipad.
The rest: Your health benefits from the federal government are much better than most offered in private industry. More coverage and cheaper. Adjusting to the cost would be a lot easier if you dropped the entitlement attitude. The only other employer I know of that offers better coverage at lower cost is the United States Post Office. I personally would not trade being a federal technician with FEHB for postal work. The post office is a horrible employer.
There are certain qualifying life events which allows you to change your coverage. Birth of a child is one. So, this means you should be able to pick a cheaper FEHB plan now - outside of open enrollment season.
Life comes at you fast - which you are learning
For some reason my entire post does not show - earlier I responded from my ipad.
The rest: Your health benefits from the federal government are much better than most offered in private industry. More coverage and cheaper. Adjusting to the cost would be a lot easier if you dropped the entitlement attitude. The only other employer I know of that offers better coverage at lower cost is the United States Post Office. I personally would not trade being a federal technician with FEHB for postal work. The post office is a horrible employer.
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Are you a federal or state MILTECH?
If federal, no you are stuck and cannot use Tricare Reserve Select.
If employed by the state, it would depend on state law.
I ran into the same thing when I was a MILTECH; health insurance with nearly the same coverage (give or take some copays) was a full TRIPLE for FEHB than it was under TRS. For no other reason than because some law said so.
If federal, no you are stuck and cannot use Tricare Reserve Select.
If employed by the state, it would depend on state law.
I ran into the same thing when I was a MILTECH; health insurance with nearly the same coverage (give or take some copays) was a full TRIPLE for FEHB than it was under TRS. For no other reason than because some law said so.
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SPC (Join to see)
1SG, they labeled me as a federal technician. That is the answer I received from State HQ as well. I am hoping to find a solution that does not end up leaving me out a month and a half of pay. Especially with a new child on the way.
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1SG (Join to see)
SPC (Join to see) - Then you are stuck, unfortunately.
Last I looked (the problem persists as I am still in the USAR and a federal employee - albeit in a different agency) family coverage under TRS was $221.38 a month and similar coverage under FEHB was right around $1100/ month.
It was an easy decision to drop medical coverage altogether, as it is a straight up extortion. Even with big medical expenses on the horizon, it would take a LOT of expenses to make that cost/benefit analysis make sense.
I think it is a crime that USAR/ARNG members that happen to work for the USG get penalized in this way.
Last I looked (the problem persists as I am still in the USAR and a federal employee - albeit in a different agency) family coverage under TRS was $221.38 a month and similar coverage under FEHB was right around $1100/ month.
It was an easy decision to drop medical coverage altogether, as it is a straight up extortion. Even with big medical expenses on the horizon, it would take a LOT of expenses to make that cost/benefit analysis make sense.
I think it is a crime that USAR/ARNG members that happen to work for the USG get penalized in this way.
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SPC (Join to see)
As do I 1SG. Thank you for your input and hopefully I can find full time orders before the baby gets here.
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SPC (Join to see)
I am working in the S1 at a Recruiting BN and did call State HQ, but they told me there was nothing I could do.
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