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Civilian Health Insurance Options of Military Retirees: Findings from a Pilot Survey (Rand Corporation Monograph)

Posted By: lengen
Civilian Health Insurance Options of Military Retirees: Findings from a Pilot Survey (Rand Corporation Monograph)

Civilian Health Insurance Options of Military Retirees: Findings from a Pilot Survey (Rand Corporation Monograph) by Louis T. Mariano
English | Mar. 24, 2007 | ISBN: 0833041274 | 128 Pages | PDF | 1 MB

Pilot survey results on military retirees offer the Department of Defense (DoD) useful information on retirees' health care status, enrollment in civilian health care plans, and reliance on Tricare, the DoD sponsored health insurance. Higher premiums for civilian health insurance may be increasing retirees' reliance on Tricare, which in turn may be causing DoD health care spending costs to rise.
Traditionally, the U.S. Department of Defense (DoD) has provided generous health benefits to active-duty and retired service personnel and their families. For example, there are no enrollment fees for active-duty service personnel or their families for health care coverage. DoD retirees are encouraged to enroll in TRICARE Prime, which has an annual enrollment fee of $230 for individual coverage and $460 for family coverage—fees that have remained fixed since the plan’s inception in the mid-1990s. Retirees and their families also have access to TRICARE Standard/Extra, which requires no enrollment contribution but has less generous cost-sharing provisions than TRICARE Prime. In contrast, worker contributions to employerprovided family health insurance coverage in the civilian sector averaged $2,713 in 2005, an increase of 46 percent over 1996 premiums (Kaiser Family Foundation and Health Research and Educational Trust, 2005).