Joined: Aug 06, 2012 Posts: 1899 Location: Spokane, Wa Flag: Risk Tolerence: Medium
Reputation point: 585
I've got a question regarding the insurance side of things. I'm hoping that somebody more knowledgeable than I can help me clarify some things. First, my situation:
- '98 - '07: Active Duty Air Force. Separated in 2007 and joined the Air National Guard and the Civil Service.
- '07 - '18: worked for civil service and Air National Guard, so I was eligible for FEHB but ineligible for Tricare Reserve. Retired from ANG in 2018. I did not take Tricare Retired Reserve at that time.
- '18 - present: Still working for civil service, projecting a retirement close to my MRA in 2037 - 38, depending on how my TSP does. I'll be 57 or 58 at that time. My ANG retirement kicks in at age 60 in 2040.
Here's my quandry: should I keep FEHB when I retire from civil service at my MRA, or should I drop FEHB and pick up Tricare Retired Reserve (and therefore have to switch to Tricare for Life and apply for Medicare part B at age 65)? I'm in pretty good health overall, and a number of my family members have lived well into their 80s or 90s. My wife is my age and is in roughly the same as me health-wise.
I guess I'm just not sure which system is better / more reliable / more cost effective. Under FEHB I'm enrolled in Blue Cross / Blue Shield. I only ever used Tricare when I was on active duty from '98 - '07 and was only ever seen at the base clinics and hospitals, so I'm not really familiar with how easy Tricare is to work with, the network availability, customer service, etc. I'm currently awaiting on my VA disability claim to finalize through (it's taking longer than normal due to COVID), so I don't yet know what will be covered by VA and what won't, but there are some issues that might potentially flare up down the line that VA might not cover.
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