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Should Service Members Be Required to Buy into Their Post-9/11 GI Bill Benefit?

06/19/2017 By Kimber Green

House Veterans Affairs Committee Chairman Phil Roe, R-Tenn., introduced the idea of changing the GI Bill to have service members buy into the benefit. This quickly became a debated topic with strong opinions on both sides.

Later, a meeting was scheduled to hear points from multiple interested parties, but that was quickly called off as well. Finally, last month 35 veterans groups were able to peacefully discuss changes to the GI Bill.

At the conclusion of that meeting, the groups were able to agree on 4 key changes to the GI Bill but could not agree on how to fund them.

Currently, the Post-9/11 GI Bill is a free benefit to service members that meet certain criteria. There is no fee to participate in the program. The GI Bill is estimated to cost the government about $100 billion over the next 10 years.

Should Service Members Be Required to Buy into Their Post-9/11 GI Bill Benefit?

New service members may be required to pay into the GI Bill if proposed changes occur. Four changes are being considered, but funding for them may come from service members directly.

The idea introduced is that new service members would have to buy into the GI Bill benefit if they wanted to have access to it. This fee would only apply to service members that enter the military after a set point, not current or former service members.

The GI Bill tax is proposed to be $100 a month for the first 2 years of service. While that might not sound like a lot of money to those in Washington, it is substantial to lower enlisted men and women. Once the $2,400 has been paid over that period of time, service members would be eligible to use the GI Bill. The government estimates that this buy-in fee would bring in $3.1 billion over 10 years.

The money taken in from this GI Bill tax would be used to finance adding other groups of service members and their families that do not, under the current GI Bill, qualify for the program. Adding these groups to the GI Bill benefit is what all parties can agree on, but funding it through this tax is not.

As it stands, the groups agreed on 4 changes to the GI Bill.

The first is permitting National Guard and Reservists who deployed under Title 10, Section 12304b and should of qualified for benefits, but didn’t, to be eligible for the GI Bill. Roughly 4,700 service members fall under this category.

The second thing they agreed on is to broaden the eligibility for the Yellow Ribbon Program to include surviving spouses as well as children of service members that were killed while serving their county. The Yellow Ribbon Program provides extra money to put toward education, which allows recipients to attend schools or take classes that would otherwise cost more than the GI Bill would cover.

The third thing all parties could agree on was to give full GI Bill benefits to every Purple Heart recipient. Sadly, every Purple Heart recipient does not currently qualify for these benefits. As it stands, the service member must be medically retired from the military if they don’t have 36 months of active duty. There are about 1,500 Purple Heart recipients who do not meet these qualifications.

Finally, those at the meeting agreed that there should be assistance for students when a school they are attending closes. Under the current GI Bill, if a school closes its doors before you graduate, you simply lose the money that the GI Bill benefit paid to the school. You don’t get to start over at a new school with new money.

Thousands of veterans were hit hard when ITT Tech closed last year. They weren’t able to recoup any of the money or even transfer credits.

These 4 changes to the GI Bill are great improvements. The only problem is how to fund them. The VFW strongly disagrees with charging service members for the GI Bill but other groups, particularly the Student Veterans of America, are for it.

What do you think of this proposal to have service members buy into their Post-9/11 GI Bill benefits?

5 Creative and Useful Ways to Welcome Your New Neighbor

06/07/2017 By Kimber Green

It’s PCS season. You are either moving into a new neighborhood or someone new is moving into your neighborhood.

Finding a friendly face can make all the difference in adjusting to a new home. Here are 5 creative ideas on how to welcome your new neighbors.

5 Creative and Useful Ways to Welcome Your New Neighbor

No matter what you do to welcome your new neighbors, just reaching out to say hi is enough to make them feel happy.

5 Creative and Useful Ways to Welcome Your New Neighbor

Deliver a Home-Cooked Meal

There’s nothing quite like home-cooked food when you’ve been eating out during a PCS. Think about how long you actually go without a good home-cooked meal when moving. You stop cooking ahead of packing to make sure everything is clean, organized and ready to be boxed up. Then your kitchen gets packed and you find your family eating out until everything is unpacked in your new home. That can be a lot of takeout meals or at least microwaved dinners.

Welcome your new neighbors with something you’ve cooked. It doesn’t need to be a whole meal. You could make lasagna, enchiladas, a pasta dish or a breakfast casserole. A one plate meal makes clean up easy for the new family and they will be grateful to have a home-cooked meal. You could also bake cookies, brownies or sweet bread. Anything homemade will be welcomed over takeout.

Give Them Your Favorite Local Takeout Menus

If you aren’t that ambitious or you just aren’t sure what the family likes to eat, bring them local takeout menus. It can be fun trying new restaurants when moving to a new area, but it also can be intimidating. You don’t want to waste your money on something that turns out not to be good. If you don’t know anyone locally to ask their opinion on restaurants, you just have to try them and find out first-hand.

A list of good restaurants and perhaps restaurants to avoid is a great welcome gift to new neighbors. You likely have some takeout menus in your junk drawer at home so you won’t even have to make a trip out.

Offer to Pick Up Basic Essentials from the Commissary

Unpacking is a daunting task. You have to get most of the boxes out of the kitchen before you can go to the commissary and get groceries in order to make a meal.

Welcome your new neighbors by offering to pick up a few basic things for them when you go to the commissary. A gallon of milk, a loaf of bread, a dozen eggs or some fresh fruit can go a long way in making someone feel at home.

Bringing over a few basics is a good way to make friends and help them settle in. Of course they will have to do a big shopping trip at some point, but bringing over some basics to get them started is really nice.

Share Your Knowledge About the Area

Finding your way around a new city can take a long time. Having a neighbor that knows the area in and out can be great. You can offer suggestions on where to eat, shop, play and explore.

Ask your new neighbors what kind of things they like to do. If they like to be outdoors, perhaps you could share information on good hiking and camping locations or outdoor recreation facilities. If the family has young children, let them know where child-friendly places are. Is there a zoo, aquarium, botanical gardens or children’s museum nearby? Let them know about traffic too. What time is rush hour and are there any roads to avoid at certain times? Valuable information can be as good of a welcome gift as a physical present.

Bring Over a Welcome Basket

If you are a creative and crafty person and want to bring over a gift, Pinterest has plenty of ideas for welcome baskets. There are a lot of clever and puny sayings to go with them as well.

One idea would be to make a movie night basket. You could put together a movie, movie theater tickets or Red Box code for a free movie night along with popcorn. Add a note that says “Just poppin’ in to say welcome to the neighborhood.”

Another idea would be to drop off a house plant with a note that says “We’re so glad the Navy (or whichever branch is applicable) planted you here.”

There are tons of ideas like these available online or perhaps you are clever enough to come up with one of your own.

No matter what you do to welcome your new neighbors, just reaching out to say hi is enough to make them feel happy. Take the first step in making friends and go over and introduce yourself. Who knows, it could be your next best friend moving in.

What is the best welcome gift you’ve received from your neighbors?

Have You Noticed Price Changes at Your Commissary?

06/05/2017 By Kimber Green

Prices have already started shifting at the commissary under the new variable pricing strategy. Have you noticed a difference? The change began earlier this spring when the commissary tested the new program out in 10 stores.

Now the variable pricing strategy is being implemented across the country. Don’t worry; you’ll still see great savings.

Have You Noticed Price Changes at Your Commissary?

Michelle Hooper, a customer service ambassador at the Luke Air Force Base, Arizona, Commissary, scans prices. Luke won the 2015 Defense Commissary Agency’s Director’s Award for the Best Superstore. (DeCA photo)

If you missed the big announcement, last year the National Defense Authorization Act (NDAA) authorized a significant change in how the commissary determines the price of goods. Previously, the commissary set prices at cost plus a 5 percent surcharge. That surcharge money was used to maintain commissary facilities and to build new ones, such as the $38-million commissary at Fort Belvoir.

DeCA, the Defense Commissary Agency, which operates the commissaries, is funded by taxpayers’ money with a budget of $1.3 billion annually. Washington has been trying for years to get the commissary to be more self-sufficient and rely less on federal funding.

This year they are finally attempting to do just that. Variable pricing is one of their strategies. The commissary will also be introducing store brand products as well.

What is variable pricing?

Previously, the products at the commissary were sold at cost plus the 5 percent surcharge. Under variable pricing, the prices of goods will no longer be that simple.

Instead, many factors are taken into consideration when setting the price of products. This includes the market price, cost of obtaining the item, how well the items sell and more.

This isn’t something new the commissary came up with or that those in Washington fathomed. It is how commercial grocery stores determine their prices. The commissary is now embracing a similar pricing system.

Prices have always changed at the commissary based on the cost the commissary incurs for items from manufacturers. Many factors cause manufacturers to change the price they charge, such as weather and their cost of doing business.

Prices will now fluctuate with the market instead of simply with the manufacturers. While some prices might be going down, others might go up. Overall savings at the commissary will not change however.

How much will each region save?

Commissaries are grouped into regions. Market research is conducted in each region to determine the prices goods will be set at. This includes comparing the prices of about 1,000 products locally as well as the estimated 38,000 products that are checked nationally.

The cost of living varies across the country and with that is the cost of food. Researchers then are tasked with comparing the prices of items at different grocery stores across individual regions to determine the best price to set commissary products at. As the cost of living is higher in some areas and lower in others, so too will be the savings level in each region.

These savings will range from 17.6 percent to 44.2 percent over commercial grocery stores depending on which region you are in. Below are the regions and the overall savings expected.

Region            Savings %

New England            21.4%

South Atlantic          19.9%

South Central           18.1%

Pacific                       20.9%

Mountain                  17.6%

North Central           20.2%

Alaska/Hawaii          32.6%

Overseas                    44.2%

Which region am I in?

Now that you know how much savings each region is expected to save, you may want to see which region you are in. Commissaries aren’t in typical geographical groupings, as Virginia is included in the New England region as opposed to the South Atlantic for example.

To find out which region your commissary is in, look for your military installation on this map. Are you in the region you expected? How do you feel about the savings percentage your region is expected to get?

Next time you go to your commissary, check the prices and see if you can tell a difference.

Have you noticed a change in prices at your commissary? Which items did you notice have a price difference? Tell us in the comments section.

Shoppers Call New Fort Belvoir Commissary ‘Amazing’

05/26/2017 By Kimber Green

I was one of many commissary shoppers excited to be part of the opening day festivities at the new $38 million commissary at Fort Belvoir.

New Fort Belvoir Commissary

The Fort Belvoir commissary certainly has something for everyone.

Located just south of Washington, D.C., Fort Belvoir has one of the busiest commissaries. The former commissary was built in 1981.  It was time for an update and this update was an amazing one.

The new commissary at Fort Belvoir has a sales area of 82,600 square feet. This is a huge increase from the 57,000-square-foot commissary it replaced. I’m sure I was not the only patron to walk through the doors and be awestruck at the sheer size of the complex.

If you have the opportunity to go, the new commissary at Fort Belvoir is worth the drive.

The selection of products is vast, with more than 21,000 items on the shelves. The fresh produce area is extremely spacious and has a huge selection including organic and locally grown items.

New Commissary at Fort Belvoir

Are you a health conscious person? The Living Well Corner is for you.

There is a sushi bar where trained professionals make sushi right there while you watch. You can get sushi custom made. It is located right by the international delicatessen, which has a huge selection of meats and cheeses. Make sure you check out the freshly made meals and side items while you are there. When your spouse is on deployment, picking up some of these delicious items will make dinners quick and easy.

The Fort Belvoir commissary certainly has something for everyone.

Are you a health conscious person? The Living Well Corner is for you. There are over 1,500 organic, gluten-free, natural and non-GMO items. You’ll find them dry, fresh, refrigerated and frozen.

While shopping at the Fort Belvoir commissary, you’ll be sure to notice how wide the aisles are. They were actually designed to be 3 carts wide to enable shoppers to move through the aisles with ease. Have you ever been stuck while someone stood and looked for the item they wanted? That will be a problem of the past here. With more space, customers will be able to navigate easily through the aisles without a problem.

New Fort Belvoir Commissary

The new commissary, with all of its impressive features is sure to draw an even larger crowd now.

When it comes to checkout time, Fort Belvoir makes it is a breeze with 30 checkouts. This includes 8 self-checkouts. You won’t be waiting in line for long here. Even on opening day, with thousands of shoppers, the line moved quickly.

The Fort Belvoir commissary has an impressive bakery that you shouldn’t miss. Pick up some tasty treats to bring home for the family. Stop by the meat department after that for a nice steak. The meat selection is very good and the prices won’t be beat. The seafood department is just as impressive. If you don’t feel like cooking, pick up a rotisserie chicken.

New Fort Belvoir Commissary

You won’t be waiting in line for long at the new commissary at Fort Belvoir.

The Fort Belvoir commissary was already one of DeCA’s busiest commissaries. It is a leader in annual sales, doing about $97 million annually. The new commissary, with all of its impressive features is sure to draw an even larger crowd now. Many military families feel that commissary shopping is one of the most important benefits. You’ll find plenty of reasons to visit this beautiful new commissary at Fort Belvoir, with its vast selection of items at great prices.

The Fort Belvoir commissary cost $38 million. Not only is it much larger than the one it replaced, but it is also more energy efficient and environmentally friendly. The funding for it came from the 5 percent surcharge that is added when customers check out at commissaries. Your patronage at local commissaries helped make this new commissary possible.

Did you know that the 5 percent surcharge on your commissary bill pays for new facilities like this commissary at Fort Belvoir? Learn more about the surcharge by clicking here.

5 Tips for Getting Your Security Deposit Back

05/10/2017 By Kimber Green

It’s PCS season and that means it’s time to move out of your rental. How did your family treat the home you rented? Do you deserve to get part or all of your security deposit back?

No doubt you’re going to be putting down a security deposit on your next home so it would be nice to get this one back. Here are 5 tips to getting your security deposit back.

5 Tips for Getting Your Security Deposit Back for Your Rental Home

What tips do you have for getting your security deposit back?

Document the Condition of the Rental the Day You Move In

Getting a full refund of your security deposit starts on the first day of renting. It is important to document the condition of the home you are renting at the beginning of that rental period.

When you first moved in, you should have gotten a checklist from the rental company. This list is where you document any damage that the home currently has.

Some rental companies and owners are very lenient, while others are very strict. They may also be very nice at the beginning of your rental period and make you think you don’t need to document every detail. Don’t fall for that. Write down everything. You don’t want them to come back at the end of your rental time and say you caused any damage to the home that you did not cause, no matter how big or small.

Take time to thoroughly inspect each room and the outside of the home. Write down any holes in the walls or floors and any marks, scratches or dents on surfaces.

If there are screens on the windows or doors, note any damage to them.

Look at the garage door. Are there any dents?

Check the rugs for spots. Make sure they were cleaned before you moved in.

Take photos of any damage. Make a copy of those pictures and submit them with the checklist. Have the rental company manager co-sign this list and keep a copy in your records.

Read Your Lease Carefully and Note What You Are Responsible For

Your lease should state whether the tenant or owner is responsible for certain situations. Sometimes random things are thrown in there, such as calking. In some homes the owner is responsible for a burst pipe, while tenants are responsible in others. You should know this before disaster strikes. Pest control can also vary between those responsible.

If you want to get back your entire security deposit, make sure you know what you are required to do.

You also need to know the rules and if you don’t agree with something, talk to the property manager or owner before you sign the lease. Does the lease say no walking or riding bikes on the grass? If you aren’t likely to follow that, find out if you can have it removed from the contract. Many companies use a standard lease. You can likely get an amendment added to the lease.

Fix Damages Before Your Move Out Inspection

Once you know what you are responsible for, make sure you fix anything you need to. Did your child write on the walls? Don’t lose your security deposit over that. Clean the walls. Did your teenager hang up every poster they own? If you have an abundant amount of holes in the walls, fill them in.

Did your pet damage anything? You likely had to make a pet deposit before you moved in. That doesn’t necessarily cover the damages they caused. Check windowsills and stairs for chew marks. Try to buff out any scratches a pet made in the floors.

If you broke a screen, a towel rack or doorknob, make sure to replace them. It will likely be cheaper than the rental company paying someone to fix it and will keep you from getting a full refund on your security deposit.

Clean the Home Before the Move Out Inspection

Look at your lease to see if you need to hire a professional to clean or if you can do it yourself. Some rental companies require a receipt from a cleaning company or at least a carpet cleaning company. Follow the cleaning rules to make sure you get your security deposit back.

Know what needs to be cleaned as well. Do you need to clean the oven? Read your lease to find out how you need to leave the yard if you have one. Do you need to pick up pet litter or mow the grass? Ensure everything is clean before your move out walk through if you want your security deposit back.

Do a Final Walk Through with the Rental Company and Follow Up to Make Sure You Get Your Security Deposit Back

To get your security deposit back, make sure you do a final walk through with the rental company. Have the checklist you did when you moved in so that you can refer to it if they say you caused damage to something you know was already damaged.

Likewise, make a checklist of items you did damage, but did not repair. Have the rental company sign off on the list to agree what is damaged so that they do not spring anything on you later.

Finally, follow up with the company to ensure you get your security deposit back quickly. Each state has a set time frame that security deposits must be returned by.

What are your tips for getting your security deposit back when moving out of your rental home? Share them in the comments section.

Don’t Miss the Spring Case Lot Sale at Your Commissary

05/03/2017 By Kimber Green

It’s that time of year again when the Defense Commissary Agency’s spring Customer Appreciation Case Lot Sale starts at commissaries stateside.

Have you shopped at a case lot sale? May is a great time to stock up on household items you use often.

You’ll find plenty of great deals at the commissary case lot sale to help you fill up your pantry without emptying your wallet.

Case lot sale dates are different for each commissary so be sure to check with the commissary website to see when your local commissary will be having their case lot sale.

Weather can cause the date to change. Call your commissary to confirm the case lot sale is still on schedule if weather in the area has not been good.

Not all commissaries will be having a case lot sale in May. A few had their case lot sales in April.

Eight stateside commissaries will not be participating at all including: Los Angeles AFB, Luke AFB, Davis-Monthan AFB, Patch Barracks, Fort Gordon, Robins AFB, Fort Huachuca and Hurlburt Field.

Military installations that have a case lot sale are only stateside. Overseas commissaries may have sidewalk sales or other promotions that are similar.

What will you find at a case lot sale?

A case lot sale is much like shopping at the big box stores, without the membership fee. They are usually set up under tents in the commissary parking lot. Some of the items you’ll find include:

  • Baby products: diapers, wipes, soap and lotion
  • Paper products: toilet paper, paper towels, napkins
  • Cleaning supplies: laundry detergent, dryer sheets, cleaning wipes and household cleaning products
  • Food storage: sandwich bags, storage bags and freezer bags
  • Pet supplies: dry and wet dog and cat food and dog and cat treats
  • Snacks: bulk chips, cereal, popcorn, crackers, pastries and fruit snacks
  • Canned goods: canned vegetables, canned fruit and fruit cups
  • International food: Hispanic, Asian and Italian food
  • Beverages: bottled water, soda, flavored water, sports drinks and juice

How to prepare for a case lot sale

A successful shopping trip to the commissary case lot sale is one where you buy only items that you will use. Don’t get carried away buying things you won’t use just because they are on sale.

Follow these 8 tips to ensure that you are a smart shopper at your case lot sale.

  1. Inventory your pantry to see how much you already have.
  2. Check the amount of space available to store items.
  3. Empty your vehicle so there is space to bring new products home.
  4. Make a list of things you would like to stock up on.
  5. Look for coupons. Yes, you can use coupons. See what is offered on the commissary rewards card and digitally clip the coupons. You can find out more about the commissary rewards card here.
  6. Eat before you go to the case lot sale so you aren’t tempted to buy extra things just because you are hungry.
  7. Look at expiration dates on items before you put them in your shopping cart. Can you use that entire product before it expires?
  8. Take another military spouse or service member with you. If you aren’t able to use all of a product before it expires, consider splitting the products between each other.

Case lot sales are a busy time for commissaries. Make sure you have plenty of time to shop. You can find products on average 50% off.

It is a great time to stock up on items you will use. Make sure to check the dates of your local commissary case lot sale and make plans to attend.

Do you know when your commissary is having its case lot sale? Click here for the list of dates.

Finding Answers to Your Commissary Questions

04/28/2017 By Kimber Green

This year commissaries across the globe are celebrating 150 years of service. They have come a long way since then. In its humble beginning the commissary was merely an officer-only benefit allowing them to purchase goods at cost. Since then it has expanded to an indispensable benefit for all service members, retirees and their families.

You may have questions about this military benefit and finding answers has never been easier.

DeCA, the Defense Commissary Agency, manages all commissaries. They have a newly improved website, commissaries.com, where you can find the answer to many of your questions.

Commissary Locations

Do you know where your nearest commissaries are? Each time you PCS or are on vacation, instead of going to a commercial grocery store, look at commissaries.com to find commissaries near you. You can search by city and state or the ZIP code. There’s an alphabetical listing if you know the name of the military installation as well. You can even get step-by-step directions to the commissary right on the website.

Commissary Hours and Services, Including Case Lot Sales

All commissaries have their own page on the website. You can find store hours and services offered as well as special events such as case lot sales. It’s always a great idea to check their site before you go to an event as weather can cause cancellations.

Do you know about Click2Go? If you are near the commissaries at Fort Lee, Offutt Air Force Base or Travis Air Force Base, they have a special program known as Click2Go. You can order your groceries online and choose the time you want to pick them up. Then just head to the commissary and pay when you get them.

Don’t forget your coupons. You can see the weekly flyer online and clip coupons. Once you’ve picked up a Commissary Rewards Card at one of your nearest commissaries, you can go to commissaries.com and register it. From there you can clip digital coupons and have them added right to your Commissary Rewards Card. There’s no need to print and cut coupons any more. Simply have the cashier scan your card at check out.

Not sure what to make for dinner? There is a recipe section on commissaries.com. There is even a section with recipes specifically tailored for kids. Save a bit more money by choosing a recipe under the “Thinking Outside the Box” section. This page has recipes that use ingredients that are on sale that week.

Getting Your Commissary Questions Answered

There is a huge section for frequently asked questions on commissaries.com. Want to know how pricing works? You aren’t alone. You can read about how prices are determined, how they change and how savings are determined.

Many patrons have questions about the surcharge. You can find your answers at commissaries.com. The money is used to maintain and improve facilities. You can see a list of commissaries slated for construction as well. Fort Belvoir and NAS Jacksonville recently held ribbon-cutting ceremonies for new commissaries at those military installations.

Did you know commissaries will be introducing a private label soon? You can stay on top of the latest news and changes with the commissary at commissaries.com.

While you’re there, you might want to read about the variable pricing test that is happening at 10 commissaries. The Department of Defense is always looking to improve your commissary benefit. Make sure you keep up to date with these changes.

Have you checked out DeCA’s improved website, commissaries.com?

What to Do if Your Dentist Isn’t Accepting United Concordia

04/12/2017 By Kimber Green

On May 1, 2017, Tricare dental coverage for active duty, Guard and Reserve families will transition from MetLife to United Concordia.

What to Do if Your Dentist Isn't Accepting United Concordia

Do you know if your dentist will be an in-network dentist under United Concordia? Check with Tricare today to find out.

Along with this change comes many great new benefits, but unfortunately not all dentists will be accepting United Concordia. This means you have some choices to make when it comes to your family’s dental care provider. Below are the things you need to know to make an informed decision.

Should You Drop Your Dentist if They Drop Tricare When United Concordia Takes Over?

First of all, this change only affects active duty, Guard and Reserve families. Delta Dental will continue to administer dental coverage for retirees and their families and that program is not changing at this time. For those that are part of the change, an increase in benefits and lower premiums come with the transition to United Concordia. In fact, no benefits are being reduced.

One important addition to United Concordia taking this contract is that the annual maximum benefit, which was previously $1,300 will now increase to $1,500. Under MetLife, sealants required a 20% co-pay. With United Concordia, sealants will be free.

Tricare dental is a voluntary program. You have to enroll your family if you want to use it. Previously, when a child turned 4 that was registered in DEERS, they would automatically be added to the family dental plan if that family had enrolled in one.

Under United Concordia, on the child’s 1st birthday they will be automatically added to the family dental plan. That is an important thing to consider if only a spouse was on the dental plan paying single enrollment. On the child’s 1st birthday that would automatically move the plan to a family enrollment and along with that comes a higher monthly premium.

Premiums are going down under United Concordia. You can view the chart at Tricare.mil. While premiums for some programs are going down a small amount, others will see significant savings. A single enrollment for the dependent of an active duty service member currently pays $11.68 a month, but as of May it will decrease to $11.10. That isn’t much of a savings, but an active duty family plan does have a better rate. That premium drops from $34.68 to $28.87 under United Concordia.

That’s all great, but what if the dentist you visit no longer accepts your insurance once United Concordia takes over in May?

Some dentists will no longer be accepting Tricare dental since reimbursement rates are much lower for them with United Concordia.

Dr. Adams, a dentist in Hampton Roads, Va., sees his share of military families, but says he will be losing money if he continues to do so come May. According to him, the reimbursement from United Concordia will be 15% lower than it was with MetLife.

What should you do if your dentist drops Tricare?

You can visit any dentist you want with Tricare dental, but it might cost you more. There are 330,000 network dentists with United Concordia. You can therefore, stay with your current dentist and pay out of pocket or you can search for a new dentist. You can search for a dentist online or call United Concordia customer service at 1-844-653-4061.

It is important to check if your dentist is in network. If they are not, but accept some payment from United Concordia, they might bill you for the difference in what United Concordia does not cover. Don’t get stuck with a bill. A dentist that is in network cannot bill you for any difference in payment.

Any member of your family can see any dentist; you don’t all have to go to the same practice. If there are multiple providers, you will need to check that the one you are seeing is in network. There can be several dentists in an office, each choosing to accept Tricare or not.

The dentist you choose to see may not know everything that is covered by United Concordia. You can log into your account online to see what is covered before authorizing any procedures. You will not have to file a claim if you see a dentist in network; they will do it for you.

Sticking with a dentist that is in network can save you a lot of money. Call your dentist or check online to see if they will be in the network come May.

If not, ask friends for referrals to other dentists and try someone new. If you are set on staying with your current dentist, make sure you ask how much procedures will cost before you authorize them.

For more information about the United Concordia dental contract, visit Tricare.mil.

5 Steps You Can Take Today to Make Your PCS Go Smoothly This Summer

04/03/2017 By Kimber Green

It’s PCS season and this year your family is one of many that will be moving. Do you have a PCS strategy?

5 Steps You Can Take Today to Make Your PCS Go Smoothly This Summer

What things do you do to make your PCS go smoothly?

Taking time to get organized before the big day can save a lot of time and some big headaches. Don’t wait until the last minute. Follow these 5 steps today to make your PCS go smoothly this summer.

Get Organized

The key to a successful PCS is planning. Sure you can just wing it, but wouldn’t it be nice to not get all stressed out?

Planning and staying organized will make this PCS a smooth one.

It all starts with a list. Organize your thoughts and put them down on paper or in your computer. Ask yourself, what do you need to accomplish and when does it need to be done?

Some of the main things to consider include: where you are going to live, where your children will go to school (if applicable), and if you will move yourself or have the military move you.

Is military housing available and would you want to live there?

If not, do you want to rent or buy a home?

If you have school-age children, what type of school do you want them to go to? You’ll need to decide if you want to look into public school, private school or the school at your military installation (if there is one).

Talk to your spouse and decide if your family wants to do all the work a PCS requires or if you want to get professionals to come help. Once you’ve made these key decisions, you can move on to the next steps.

Make a PCS Binder

Having a PCS binder is a great way to stay organized. Keeping all of the important documents and lists that you’ll need for the move in an easily accessible place is extremely helpful. Your PCS binder could include things such as:

  • Your PCS checklist
  • Important documents: birth certificates, marriage license, insurance information, Social Security cards and passports as well as car titles and military orders
  • Medical and dental records
  • School records
  • Pet records: complete shot records, especially rabies
  • Household goods inventory that includes a list of the serial numbers on electronic devises, the inventory list from the moving company and their contact information with delivery dates
  • Budget section with receipts folder
  • Important contacts: key contacts for the new command, utilities, insurance, schools, etc.

Purge

You’ve been putting it off, but now it’s time to finally purge your house of all the things your family doesn’t need.

The less you have to pack, the less you have to unpack and find a new place for.

Don’t get overwhelmed. Set time aside to do one room at a time.

When deciding what to keep and what to part with, consider the environment you’re moving to. You might not need those snowsuits any longer if you are PCSing to Florida. Decide what you can part with and then label bags for donation and resale as you go through your home. Once you’re done combing through the house you’ll be more organized and have less things to pack.

Prepare for the Movers

We have all heard horror stories about what movers have packed. To avoid having your own horror story, strategically place items together you want to stay together.

Labeling is extremely helpful. You can designate a different color for each room so you can quickly identify which room boxes go in at the next house. This can be done with colored tape attached to each box.

Move things that you don’t want packed to a designated room and label the door “Do Not Pack.” Things that you want to keep out for use before you move should also be labeled “Do Not Pack.”

Consider wrapping delicate items yourself. Wash dishes and empty the dishwasher before the movers arrive. Ask a friend to watch your children while the movers are there so you can give your full attention to the process.

Get to Know Your New Location

Think about the things you do and the places that you go to often. If you are a Starbucks junkie, look up how many are in the area. Does your family like to go to the zoo or aquarium? Look to see if there is one in that town.

Connect with other military spouses at the next command. Making friends in a new town is important and this is a great place to start. Reach out to the Ombudsman or key spouse. They should be able to help you get to know the area. They can also introduce you to other military spouses.

Look into community pages online. You’ll find information on local events and great places to go. You can begin to network as well. The more you get to know the area, the more confidence you’ll have when you PCS.

What steps do you take to make your PCS go smoothly? Share your tips in the comments section.

 

15 Military Discounts for Music Lovers

03/15/2017 By Kimber Green

Music lovers rejoice; military discounts are available for items ranging from concert tickets and radio subscriptions to instruments and gear.

15 Military Discounts for Music Lovers

Who needs a military discount when you can get a concert ticket for free?

We’ve gathered 15 musical military discounts for you to explore. Try some of these today and let us know what your favorites are.

15 Military Discounts for Music Lovers

Music & Arts started in Bethesda, Md., as a small music store. Today it is a national music store chain. If you are in the market for music gear, Music & Arts is a wonderful place to look. They have more than 140 stores as well as over 50,000 products on MusicArts.com. They offer a 10% military discount for online purchases.

GovX has exclusive discounted tickets for veterans and their families. You can get great deals on concert tickets with GovX.

SiriusXM lets you take great music anywhere you go. Why settle for what’s on the radio, when SiriusXM offers a 25% military discount for the life of any subscription.

The Exchange has an exceptional selection of music. Don’t forget that you can shop in store or online. Online shopping will be open to all veterans starting Veterans Day 2017.

The exchange price matches, so if you find a better price out in town bring the ad in to the exchange and show them. They will match that price and you will save on sales tax since the exchange is tax free.

Overstock.com has a program just for military families called Club O Military and it is free to join. Military families get free shipping, earn 5% rewards dollars, and receive exclusive emails and early access to sales.

You can stock up on all your favorite music in different formats with Overstock.com.

Learning a new instrument? You’ll find everything from a ukulele to drums available for sale as well.

Veterans Advantage offers a military discount on many things including concert tickets. Simply register to get access to the great deals.

At Ticket Club, military members can sign up for free membership, which will save you $50. Ticket Club has fabulous rates for concert tickets.

Vet Tix is an easy way to find tickets to events. The Armed Services YMCA has partnered with Veteran Tickets Foundation (Vet Tix), which is a national nonprofit organization that gives free event tickets to service members and veterans.

Who needs a military discount when you can get a concert ticket for free?

Next time there’s a concert coming to town, check with Vet Tix.

Tidal offers a 40% off military discount for either of its programs that provide access to your favorite music. With Tidal, you can listen to music anywhere with great quality.

Carnegie Hall is a famous place to take the family. All service members can enjoy a military discount of 30% off ticket prices. Tickets must be purchased in person at the box office and there is a limit of 2 tickets per person.

Music for All is a national music education organization that provides educational experiences through performance events. You can share your love of music with the family at the Bands of America Championship. Music for All has a military discount of $5 off any type of ticket.

San Diego Symphony offers a military discount of $3 off tickets. If you don’t live near San Diego, check with your local symphony. Many offer military discounts.

Country Music Hall of Fame welcomes military families with a military discount on admission. Bring your family to this Nashville museum to learn more about country music’s history.

Tampa’s Straz Center is the largest performing arts center in the southeast. You’ll enjoy fantastic musical performances as well as a nice military discount.

The Rock & Roll Hall of Fame in Cleveland, Ohio, offers a military discount. Tickets must be purchased in person and a photo ID is required.

These are just a few great music military discounts. There are many more to be found if you take the time to look.

Are you a music lover who also loves a military discount? Tell us about your favorite military discount in the comments section.

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