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Showing posts with label military benefits. Show all posts
Showing posts with label military benefits. Show all posts

Wednesday, March 23, 2016

MetLife Tricare Dental Program: Did You Know?

“This post was sponsored by the MetLife TRICARE Dental Program as part of an Ambassador Program for Influence Central.”

This post is the third, and final, post of the MetLife TRICARE Ambassador Program. Over the past few months I shared about the change in premiums and dental issues affecting children. For this last post I will be highlighting some facts from the program.

March is "Did You Know" month from the MetLife TRICARE Dental Program. During this month MetLife is reiterating the benefits of the TRICARE Dental Program.
In case you are new to the military and don't know about the benefits of this dental program, here are several things to be aware of:

- This program has one of the largest civilian dental networks with over 250,000 dental locations (there is bound to be a dentist in your area who is part of this network - family dentists as well as pediatric dentists). This is a big plus to have so many dental offices in network since military family can not get dental care on military bases.

- Despite the fact that family members can not use on-base dental offices, families are NOT automatically enrolled in the MetLife TRICARE Dental Program; this is completely separate from your TRICARE medical enrollment. Enrollment in the dental program is voluntary ... and can be easily done online, by phone (1-855-638-8371), or filling out the enrollment form and mailing it in (or faxing it to 1-855-763-1337).

- Some benefits of the program are knowing that the annual premiums are competitively prices, no annual deductibles or co-payments, and having low, or even no-cost share on many of the dental services - which include preventative and diagnostic.

- Here is something I wasn't aware of: The program has an Accidental Annual Maximum of $1200 per beneficiary per plan year which can help you be prepared for any unexpected tooth injuries that might occur! Treatment and services may be covered and this annual maximum is separate from the $1300 plan annual maximum per beneficiary per plan year.

- The MetLife TRICARE Dental Program will coordinate with another supplemental dental insurance carrier, but it's always a good idea to compare other plans to the TDP.

You can find additional resources from the TDP on Facebook and Twitter.  post signature

Monday, February 29, 2016

Children's Dental Health Awareness Month

“This post was sponsored by the MetLife TRICARE Dental Program as part of an Ambassador Program for Influence Central.”

On behalf of the MetLife TRICARE Dental Program and as an ambassador with Influence Central I am sharing a blog post highlighting that February is Children's Dental Health Awareness Month and reminding the military community about a few important dental benefits that are available to dependent children and spouses of active duty members and reservists. MetLife is also sharing a couple of issues, guidelines, and preventative measures on some teeth-related issues that can affect children (and adults!).

Cavities and teeth grinding!!

No one really likes going to the dentist, but some experiences are worse than others. I was a kid who hated going to the dentist because it seemed at every visit they were either filling a cavity or finding a new cavity. Getting a filling seemed a lot more involved back then than it does now - and I speak from experience as I still had to have fillings put in as an adult. It hasn't been for lack of proper tooth brushing or taking care of my teeth either - then or now - it's just been my not-so-great-luck with cavities.

My husband on the other hand, knock on wood, hasn't had the teeth issues that I have. Since genetics do play a part with cavities I am hoping our kids take after him. So far, again knock on wood, that has been the case. Neither Kayla nor Lucas have had any negative experiences at the dentist, thus far, and for that I am grateful.

Kayla has had some anxiety because of how she feels towards anything medical and the unknown of what exactly is going to happen or what they are going to do to her. Thankfully we've been at a wonderful children's dental practice where the staff have all been patient with Kayla at each visit. So much so that they even successfully applied sealants to her teeth...in one visit...we almost had to come back to do the other side of her mouth, but they managed to finish before she couldn't handle it any more. Lucas got sealants last year as well.

What is so important about sealants? Research has shown that sealants help prevent cavities on teeth with pits and grooves;  it's recommended that sealants be placed on the permanent molar teeth (usually the first set erupts around age 6 and the second set around age 12). The process is short and (relatively) easy as it doesn't involve drilling.

Another issue is teeth grinding. Several years ago at a dental appointment it was pointed out to me that I most likely clench and/or grind my teeth based on some receding gum lines. I had a custom mouth guard made to help prevent anymore issues with teeth grinding.

Unfortunately my kids do seem to be taking after me in this respect. I've heard Lucas grinding his teeth at night on a few occasions and Kayla's dental visits have shown that she is doing this too as it is showing on her teeth (although I have rarely heard her do this).

Some tips to try and help decrease teeth grinding include
- decrease child's stress, especially before bedtime
- try massage to relax muscles
- drink plenty of water as dehydration may be linked to teeth grinding
- older children may need a mouth guard for nighttime teeth grinding

A few of the benefits from the MetLife TRICARE Dental Program include
- 2 cleanings, exams, and flouride applications a year (and the dentist can monitor the teeth if there is grinding going on!) at no cost
- sealants for children has only a 20% co-payment
- coverage for a child up to age 21, or 23 if full-time student
- space maintainers are covered under age 19
- athletic mouth guard (one per consecutive 12-months) is covered at 50% cost share

To enroll in the MetLife TRICARE Dental Program you can do so online, over the phone at 1-855-638-8371 or mail the Enrollment Authorization form to MetLife TRICARE Dental Program, P.O. Box 14185, Lexington KY, 40512.

For more resources see the MetLife TRICARE Dental Program Facebook and Twitter pages.

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Tuesday, February 02, 2016

MetLife TRICARE Dental Program

“This post was sponsored by the MetLife TRICARE Dental Program as part of an Ambassador Program for Influence Central.”

I am again partnering with Influence Central's Ambassador Program for the MetLife TRICARE Dental Program to help bring awareness to military families of the overall program, the benefits and ease of enrolling, and new premium updates for 2016.

There are certain events that happen at the beginning of every new year - besides making resolutions and filing taxes! - like getting up-to-date on health insurance benefits since that can be a time when premiums are raised.

The MetLife TRICARE Dental Program is a dental insurance program is for active duty family members (the active duty sponsor receives dental care through the base dental clinic) and National Guard and Reserve members and their families.

Effective Feb 1 the premiums for this dental insurance have increased slightly, but still remain pretty low-cost.

For an active duty single member (typically for spouse only, or a child only) enrollment the monthly premium has gone from $11.30 to $11.68. If it is a family (more than one person enrolling) the monthly premium has gone from $33.88 to $34.68.

See the chart below for the complete listing of premiums based on military status.
If you need enroll in the MetLife Tricare Dental Program there are a few ways to do so: online, over the phone at 1-855-638-8371 (and if you are overseas 1-855-638-8372), and also returning the Enrollment Authorization form via Fax (1-855-763-1337) or mail to MetLife TRICARE Dental Program, P.O. Box 14185, Lexington KY, 40512.

Keep in mind that the effective date of coverage will vary depending on when the first payment is received. If it is received by the 20th of the month, it will be processed for the first day of the month following the date of receipt. If it is received after the 20th, it will be processed for the first day of the second month after date of receipt.

The first initial premium payment is required to be submitted with the initial enrollment.

Keep up-to-date with the MetLife TRICARE Dental Program's Facebook and Twitter pages for latest news, tips, and information.

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Tuesday, April 28, 2015

The Disabled Military Child Protection Act

Upon retirement the military member may elect coverage in the Survivors Benefit Plan (SBP). This coverage can be for a spouse only, spouse and children, or children only coverage.

When Joe retired we discovered that we couldn't elect this coverage for Kayla and have it designated to go to a special needs trust. The law stated it could only be designed to a person and the Defense Department's interpretation of person did not include a trust.

As parents we want to provide for our childrens' future as best we can and not having this option to designate the payments of the SBP to go to a special needs trust for Kayla was frustrating. We could still chose to designate Kayla as a beneficiary if we wanted to, but we would have to be very careful with how much could be allotted to her - any monthly payment she would receive could potentially affect her eligibility for government benefits programs such as Medicaid, SSI, and housing programs.

Individuals with disabilities can not have more than $2000 in assets before it affects their eligibility for those programs. I've often been frustrated by the constrictions on all of this. Isn't the goal to help Kayla be as independent as possible? How independent can you be if you're restricted to $2000 in assets? If we're able to help provide for her future so she doesn't have to rely on all of those government benefits is that really such a bad thing? I don't think it is, but it's unnerving to think if we do something as simple as designating her as a beneficiary we could be jeopardizing her chance at programs she may truly need and could benefit from.

Around the time of Joe's retirement I read there was legislation being introduced, or had been introduced, to allow military members to designate SBP payments to a special needs trust, but when it came time to sign that paperwork there was no law in affect. The person at the office where we had to fill out the SBP paperwork hadn't heard anything about it.

Joe signed the paperwork for his SBP elections in November. In March I read an article (New Law Eases Burden for Special Needs Military Kids) that the President had indeed signed The Disabled Military Child Protection Act (I wish they would use People-First Language like The Military Child With Disabilities Act) which would allow the military member to have the SBP be paid to a special needs trust. This was signed in December (it figures!).

Hopefully the Defense Finance and Accountability Service will consider having an 'open season' for retired service members to allow them to elect the SBP for a trust.

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Tuesday, January 27, 2015

New Premiums for MetLife TRICARE Dental Program

“I participated in an Ambassador program on behalf of Influence Central #IC for the MetLife TRICARE Dental Program #MetLifeTDP. I received a promotional item to thank me for my participation.”

I've previously written about the option active duty military family members have for dental insurance through the MetLife TRICARE Dental Program here and here. This is my third, and final, post wrapping up this Ambassador program highlighting the benefits of the MetLife TRICARE Dental Program. 

With a new year comes an increase in premiums. This February 1st enrollees in the MetLife TRICARE Dental Program will see a slight increase in their monthly premiums. The premiums are based on a single, or family, rate. Rates will also differ based on active duty, selected Reserve IRR Non-Mobilization, and IRR Mobilization only.

For active duty family members the rate for a family will be $33.88 which is an increase of .99 a month. The MetLife TRICARE Dental Program is an inexpensive and cost-effective dental plan for military families. It is also convenient as you can keep this dental plan regardless of if you move between states. The following is a chart showing the premiums.


While the dental plan is part of the military health plan benefit it is not an automatic enrollment. Family members must enroll separately to obtain this coverage and the sponsor must have at least 12 months left of active duty. One way to enroll is through the online enrollment system. Initial enrollment is a 12-month commitment, but after that it is on a month-to-month basis with easy payroll deductions to pay the monthly premium.

The MetLife TRICARE Dental Plan has worked well for our family through moves to 3 different states and while my husband was deployed. It was convenient, and stress-free, to not worry about enrolling in a dental plan when we moved to a new location - our coverage stayed constant and consistent from dental provider to dental provider. That was one of the most important benefits of the program for me, to have continuous coverage and not have to worry about signing up again at each new assignment. I also valued the coverages such as free exams and cleanings every six months, annual x-rays, and the low cost-share fees on needed dental work.

MetLife TRICARE is works to ensure that members stay educated about dental health and important dental care practices. You can connect with them on the TRICARE Dental Program (TDP) Administered by MetLife Facebook page, the MetLifeTDP Twitter page, and by signing up for the Dental HealthMatters Newsletter.

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Friday, January 23, 2015

10 Things I Miss About the Military

Or a more accurate title would be "10 Things I Miss About My Husband Being Active Duty" because we are still military-connected, and he's the one no longer active duty, but that just seemed too long of a title.

In no particular order here are 10 things I miss about being an active duty family:

10. Basic Allowance for Housing, or BAH, in his paycheck. This allowance is based on where you live, pay grade, and dependents so it's highly variable from member to member. It is a nice addition to your pay (helps to offset the cost of rent/mortgage). When looking for a civilian job remember to include BAH in looking for comparable wages.

9. Along with BAH military members also receive Basic Allowance for Subsistence. This is meant to offset the cost of meals for the military member only. A few hundred dollars a month added to the paycheck is always nice. Just another thing to remember when calculating civilian pay to make up for that loss of BAH & BAS.

8. Being able to claim your Home of Record state no matter where you are stationed can be a big benefit. Joe's HOR does not tax active duty pay.

7. There is an active duty military exemption on personal property taxes in SC (I don't know how every state works). When our vehicle taxes (well over $500 on our van alone) were due each year, I filed for the exemption and we didn't have to pay those taxes. There will be no more exemption when the bill comes this year and that is an adjustment!

6. Some military discounts are only available to active duty military and not retirees. One example is the Waves of Honor (formerly Here's to the Heroes.). Waves of Honor is for the active duty member and up to 3 dependents to get complimentary tickets to any one of the Sea World Parks & Entertainment park once a year. Another example is a local private Catholic school has a reduced tuition rate for active duty military families.

5. Annual Leave. This will be one of our biggest adjustments to retired military life and being in the civilian workforce. Military members get 30 days of annual leave which can be carried over; Joe has always had his 30 days of annual leave each year plus up to 30 days of 'use or lose.' We've never had to carefully plan out vacations or days off - he's just always had plenty of leave for any trips we took. Then there is the time off around the holidays. Not every military branch is the same, nor is every duty location the same, but overall commanders typically have "4 day holiday weekends" so Joe's been off on some Fridays before a Monday holiday. Time off around Christmas usually goes to minimal manning. Joe has usually had the week of Christmas off (unless we traveled out of area then he would take leave). I'm well aware this is not how it works in the 'real world' and that he will not have over 30 days of leave each year. It was just something we had become accustomed to that I am going to miss.

When he was active duty he didn't have to take leave to go to an IEP meeting, or if I needed him to come home earlier to get the kids off the bus because I had to be somewhere else. There was a lot more leeway because they aren't paid based off an 8 hour clock in and out schedule.

4. The Air Force Respite Program. This respite program is for active duty families who are enrolled in The Exceptional Family Member Program (EFMP). While we didn't use respite as often as we could have/should have, it was nice to know it was available to us.

3. We still have our Tricare Prime health benefits, but retirees pay a medical premium and have co-pays for appointments with civilian providers. There are no co-pays for Tricare Prime while active duty - even for civilian doctors, surgeries, procedures, etc. The only times I've paid out-of-pocket were for prescriptions (when filled at an off-base pharmacy), chiropractic appointments (aren't covered by Tricare), and some dental work. Yes, I know, welcome to the real world! I understand having co-pays is part of the civilian life. See above ref: Leave. Not having any co-pays for pretty much all my life will now take a little adjusting to and is something I miss about being an active duty family, that's all.

2. Permanent Change of Station, otherwise knows as PCS. Yes, in some ways I will miss not having any more PCS orders. I will miss not seeing a new base, or living in a new state. Not all assignments are desirable, but that cliche of "every assignment is what you make of it" is true. The first time I drove to Holloman AFB in Alamogordo to visit Joe after his return from Korea, I cried. I cried thinking about moving from beautiful Colorado and my view of Pikes Peak from my apartment balcony, and my job at the Center for Character Development overlooking the Cadet Chapel - and I cried. I didn't want to leave that area and move to Alamogordo - to a desert landscape where everything was brown and drab looking. Holloman couldn't compare to the Air Force Academy (I felt no assignment would compare to the AFA though; it's simply a beautiful base to be stationed at), but Holloman has White Sands. Where else can you go sledding in the summer? I also met a great group of friends at Holloman. The assignment is about the people and experiences, not the location.

In some ways having the military tell you where you're going to live next is just easier, because you have no choice. Being retired and having no hometown to move back to and being able to live wherever we want is stressful in its own way. It's overwhelming to think we can pick anywhere in the country and just move there, but there is so much research: employment, housing, school, services, adult services etc etc and I just don't know where to begin that research. So we're staying in SC for the time being, mainly because Joe got a job (yay!) but it would be so much easier if the military said "You're moving here now."

1. The uniform. All of my life the man of the house has worn the United States Air Force uniform (even though the look of that uniform has changed over the years) and it's odd not seeing Joe wear that uniform anymore. (Now he's faced with the dilemma of what color shirt to wear each morning!) I miss being that active duty family. I miss belonging to that ... even though we are still a military family, we are now a retired military family and there is a subtle difference in that.

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Wednesday, December 31, 2014

MetLife TRICARE Dental Program

“I participated in an Ambassador program on behalf of Influence Central  (#IC) for the MetLife TRICARE Dental Program. I received a promotional item to thank me for my participation.”
 
As this year is coming to a close my kids and I just finished up all of our routine, and not so routine, dental appointments. With my husband's retirement from the U.S. Air Force in our immediate future I'm thankful that we've been fortunate to have great dentists, and dental coverage, through the MetLife TRICARE Dental Program. One of the easy ways to enroll is through the online enrollment process.

At my last dental cleaning my dentist found one of my amalgam fillings had a tiny crack in it and needed to be replaced. He said over time this is a high possibility with these types of fillings - they simply don't last forever. I had several amalgam fillings and most of those were from my teen years so they've been in my mouth for too many years!

Knowing that my husband would be retired come the new year and that we wouldn't have our current dental plan anymore, I started thinking about getting all those amalgam fillings replaced by the end of the year and while we still had our MetLife Tricare Dental plan. I wanted to have this done because I had no idea what our next insurance would cover, or how much, or if we would even have dental insurance. Why not just get it taken care of now?

The MetLife TRICARE Dental Program has low-cost monthly premiums and cost-share rates (based on rank) for a variety of dental procedures. For an active duty family the monthly premium is $32.89 (and single is only $10.96.). Although the rates are increasing in Feb 2015 it is a very minimal rate. The new family premium will be $33.88. Compare that with the military retiree dental plan of just over $100 a month for premiums and I've heard many families say they elect to not have the retiree dental plan because it's just cheaper to pay out of pocket for the routine cleanings.

Fortunately MetLife approved the request for me to replace all my amalgam fillings with composite fillings (and it's so nice not to have all that silver in my mouth anymore!) and my cost share for the procedures was 20%. I was grateful to have this done with MetLife TRICARE Dental program because we didn't know who my husband's next employer would be and what kind of dental coverage we would have, or how much the cost share might be for that procedure.

The #MetLifeTDP also does a great job of keeping military members educated about dental health and important dental care practices through different communication channels. One way is that members can sign up for the Dental HealthMatters Newsletter to receive information such as benefits, updates, announcements, and tips. Another way to stay up-to-date is via the TRICARE Dental Program (TDP) Administered by MetLife Facebook and/or Twitter pages where you can learn some interesting facts about the program such as MetLife offers a TRICARE Dental Program Survivor Benefit. (The Government pays dental premiums and dental coverage for eligible surviving family members under the TRICARE Dental Program survivor benefit. 100% of the TDP Survivor Benefit premium is paid for children until age 21 (or 23 if student) and for spouses for 3 years beginning on the date of the sponsor’s death.).

In addition to providing dental coverage to spouses and children of active duty members, the TRICARE Dental Program also provides coverage to Reserves and National Guard members and their families. And speaking of the National Guard - their birthday was Dec 13, Happy 378th Birthday to the National Guard!


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Sunday, November 23, 2014

National Military Family Appreciation Month

“I participated in an Ambassador program on behalf of Influence Central for the MetLife TRICARE Dental Program. I received a promotional item to thank me for my participation.”

November is National Military Family Appreciation Month and as my husband's military career winds down I think about the positive benefits of being in the military and things I'm thankful for.

Included in those things are the health and dental benefits provided to military family members through the TRICARE Health Plan and the Metlife TRICARE Dental Program. I'm thankful for the coverage of health and dental benefits these programs provide to my family and this coverage gives me peace of mind about my family's health and well-being.

While the MetLife TRICARE Dental Program is part of the TRICARE Health Plan for military families, they are both separate enrollments that families have to elect coverage - neither program is automatic - but I can't see any reason a military family wouldn't want to be enrolled in either program.

The MetLife TRICARE Dental Program provides dental benefits to spouses and children of Active Duty personnel (the active duty member receives dental coverage at the dental clinic on their duty installation) and National Guard and Reserve members and their families.

What I like about the dental program is the convenience of the program to provide us continuous coverage despite frequent moves or deployments. An example is when a military member deploys for a year sometimes the family will move to go stay with relatives. Even if the family isn't near a military installation, or have moved away from their sponsor's duty location, they will still receive coverage from the large network of dental providers worldwide.

Another benefit to this program is the low-cost shares of the program. There is a minimal monthly premium to receive 100% coverage (no out of pocket costs) for diagnostic and preventive services; which includes two free cleanings each year. This is important to me because I believe early detection of any dental issues is key to preventing worse problems in the future. Cost-share for other services range from 20-50% so this is pretty affordable for dental coverage.

We have had positive experiences with our in-network dental providers. When we first moved here I attended a resource fair where there were several dental offices in attendance. I asked one of them two questions that are important to me when finding a new dental provider: 1) Are you a MetLife TRICARE Dental provider? and 2) Do you have experience with children with disabilities? Thankfully they could answer yes to both those questions. Finding a children's dental provider with experience in treating kids with disabilities is important since Kayla has a fear of all things medical/dental. We need a provider who is patient, thorough and will explain things to Kayla.

Military families can find more information on the dental program, to include enrollment information, at TRICARE Dental Benefits.

You can follow MetLife TDP on Twitter @MetLifeTDP and by using #MetLifeTDP; and follow on their Facebook page.


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