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Originally Posted by Tankerrich
Does anyone have info about Medicare Advantage (Part C) with Tricare for Life? I was told that there are no copays and I would get extra benefits like Dental, Vision, OTC & Gym with no increase in cost. Also, my Part B would go down $50. This would be a no brainier, so what's the catch? Any retired veterans out there that might shed some light on this?
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With traditional Medicare and TFL, there already are no co-pays, so there is no difference.
Ask which providers are included in the dental and vision. Then look up their reputation. Is there an annual $ limit? Dental coverage here is very tricky, and most (all?) dentists do not take insurance. You have to submit the claim yourself. Usually the dentists charge more than the reimbursement amount.
I have no experience with vision coverage.
Also be aware that you will have to file claims with Express Scripts. It will no longer be automatic because you will have Other Health Insurance, and Tricare insists on being the last to pay.
Also be aware that if you decide to return to traditional Medicare, you may be subject to underwriting and perhaps increased premiums.