Military Life News

Military Life News, Commissary Rewards and Military Discounts

How POTUS’ Food Stamp Plan Will Impact Military Families

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When you consider that the United States is one of the world’s wealthiest counties, it is disheartening to hear that 1 in 6 Americans don’t have enough food to eat. Many of those struggling with hunger are children and many are part of military families.

POTUS' Food Stamp Plan Will Impact Military Families

Do you use food stamps or have you in the past?

In a 2015 report, an estimated $80 million dollars’ worth of food was purchased in military commissaries using the Supplemental Nutritional Assistance Program (SNAP). This number doesn’t include military families who use other programs like Women, Infant, and Children (WIC) or who don’t shop at the commissary.

So proposed changes to the SNAP program will have a profound impact on military families.

As part of the 2019 budget request, the Trump administration has proposed a dramatic change to the food stamp program. The proposed change includes a reduction in “cash” benefits by half for anyone receiving $90 or more per month. Instead, SNAP cash benefits will be supplemented with a “Blue Apron-type” box filled with shelf-stable foods like canned fruits and vegetables, peanut butter, cereals, pasta, butter and beans. These boxes, called “America’s Harvest Boxes,” will supposedly save over $129 million dollars over the course of the next 10 years.

The fact that there are military families in need of assistance is an issue for another day, but let’s discuss these food boxes.

It’s an Interesting Idea

There is a part of me that thinks that these boxes could work. I mean, buying in bulk almost always drives down the cost. If the government is using its buying power to get great pricing on products, then I can see the merit. Especially, if that buying power is being used to buy all of the things that are often out of reach, like fresh fruits and vegetables, or gluten-free or organic items.

Except, that these boxes won’t include those items.

Staples like peanut butter, pasta, even canned fruits and vegetables aren’t inherently bad, but the best nutrients and the healthiest of diets, don’t often include many things out of a can.

What about those families who have a child allergic to peanut butter? Or who need gluten-free pasta? Or who need their food to be kosher? What if a family buys from a food bank program or farming cooperative and can actually stretch their SNAP funds further than the box provides?

The argument can be made that beggars can’t be choosers, but the families on SNAP and WIC aren’t exactly beggars. They are often young families or those impacted by loss of employment.

Shouldn’t families be allowed to select the food they know their family will eat?

Should they be forced to eat what the government says they should?

I find this incredibly ironic, considering how adamant this same administration has been in dismantling the school lunch program put in place by the previous administration that was designed to get kids to eat a government mandated balanced meal.

What About Distribution?

If you read through the proposed box system, you’ll notice the distribution of these boxes has been left to the states to figure out. They can “distribute these boxes through existing infrastructure, partnerships, and/or directly to residences through commercial and/or retail delivery services.”

Really?

Current food stamp infrastructure most often includes direct deposit of money to a SNAP food card, which can be used like a debit card to pay for groceries. Kind of hard to “distribute” boxes in that same way. And I find it hard to believe that door-to-door delivery is a) efficient and b) actually going to save money.

Instead, it will likely require recipients to travel to a distribution center. Taking hours away from the work day and potentially adding the cost of transportation to an already tight federal budget.

Better Options

Call me an optimist, but I think if we really wanted to conquer hunger, there are better ways to do it. Some states have started edible food forests to help produce food for needy families. Some cities are seeing a growth in urban farming, cutting down on distribution time and costs, and there are plenty of non-profit farms working to add fresh fruits and vegetables to the diets of our poorest Americans.

I’d much rather see our government working to support these ideas instead of boxing up cans of corn and jars of peanut butter.

For our military families, this is yet another reason why we have to keep our commissaries open. How many more military families will find themselves simply unable to buy the things they need if the savings offered on base are taken away?

Do you use food stamps or have you in the past? What do you think of the proposed changes to food stamps?

17 Greenhouses and Garden Centers That Offer Military Discounts

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The first day of spring is March 20, and that means it’s time to get your gardening on!

There is nothing quite like the feel of warm soil on your hands. Add some quality seeds, some sun, a little water, and in just a few short months you have the freshest produce or most beautiful flowers you can imagine. And nothing quite beats the feeling you get when you can go out into your own backyard and fill a vase or basket with something you’ve grown.

Even if you have a small space, as long as you have a sunny spot, you can grow something. You can even grow fruit trees! Last year, we made the big investment and built a large raised bed garden. We planted all kinds of things: tomatoes, peppers, three different types of squash. Then there was eggplant, strawberries, broccoli, Brussel sprouts, cabbage, lettuce, carrots and tomatillos. We had cucumbers for days and we don’t have time for me to list all of the herbs, just know that there were 6 types of basil.

To say that we may have gone overboard in our first year is probably an understatement. But it’s almost time to start planting again, and while we have pared down our harvest list, what hasn’t changed is our love of a good bargain.

Seeds aren’t expensive, per say, but when you add in all of the other things you need like potting soil, plant food, insecticide, watering cans, soaker hoses and plant supports, it can really start to add up. Knowing where you can snag a military discount is a gardener’s secret weapon.

Home Depot & Lowe’s

Both of these home and garden stores offer a 10% discount to all active duty military and veterans. You need to register in order to receive the discount, but it’s easy, and it’s a solid 10% off on everything you buy. And depending on the sale, it is often on top of sale prices.

I love Home Depot and Lowe’s for things like soil (watch for the sales!), seed starters, and materials for building trellises or vining frames. We even bought the cinder blocks we used to build our raised beds there, at a discount of course! They also offer a variety of easy to grow plants already started for you. Their selection of plants is a little limited, but you can start a pretty decent garden from what they have to offer.

Meadow Farms

Do you live in Maryland, Virginia or West Virginia? Meadow Farms has an amazing array of plants, including fruit trees, vegetables and herbs. If you’re not up for sprouting from seed, they are a great place to “stock” your garden and Meadow Farms offers a military discount.

I scoured the net to find other garden centers that offer discounts. Here’s what I found:

Live in New York?

Check out the daily discount offered by Hewitts.

Stationed in Ohio?

Get 10% off every Wednesday at Pettiti.

Snag 10% off waterscape plants and materials from Hoffmans.

Boyerts offers 10% off any one item every Wednesday.

Have PCS orders to southern California?

Get 10% off every Wednesday at Armstrong Garden Centers.

Live in the middle of the United States?

Orshlen offers 5% off every Tuesday.

Stationed in northern Maryland?

Homestead Gardens offers 10% off every Thursday.

Live in Oregon?

Wilco Farm Stores offers 10% off every day.

For military families stationed in Alabama, Mississippi, Georgia, South Carolina and Tennessee:

You can save 10% at Marvin’s every day.

At participating Southern States Cooperative locations, you can get a 10% discount every Tuesday.

Need grow lights?

Want to do a little hydroponic gardening? HTGSupply offers a 10% military discount for veterans. You need to register for a veteran account with HTGSupply to receive the discount.

Live in Arizona?

Summer Winds Nursery offers a 10% discount on any one item every day.

Do you have a large yard?

John Deere offers a military discount for all current and former service members.

Live in Washington?

Jason’s Greenhouse offers a 10% discount.

Logee’s offers a 10% military discount.

Are you thinking about planting a garden this spring? Check out this article, “How to Plant a Victorious Deployment Garden.”

Will You Use the ‘No Bagger’ Lane at Your Commissary?

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Every Sunday hubby and I peruse the aisles of the commissary. We cross items off our list, but inevitably end up in the checkout lane with way more than we had planned on buying. Somehow the 3 teenagers who call our house home never fail in depleting our pantry.

We toss our canvas bags up onto the conveyor belt and try to put like items up to be bagged together: first the refrigerated stuff, then the boxes and cans, followed by produce, and then all of the fragile items like bread and eggs.

In an off-base grocery store, one of us would be quick to take up a fighting position down at the bagging area, carefully arranging our groceries to facilitate the quickest dispersal into our cabinets and refrigerator.

At the commissary bagging our groceries has never been an option…until now.

The Defense Commissary Agency (DeCA) began a test run of checkout lanes with no baggers in January after receiving customer feedback requesting it. At 121 commissaries shoppers have the option to choose a lane where they bag their own groceries. Differing from the self-checkout lanes, which have long since been available, these lanes will still have a dedicated cashier to ring your groceries up for you.

I haven’t seen this option at our commissary, but even so, I’m a little torn about the idea.

While my husband and I like bagging our own groceries at off-base grocery stores, tipping a bagger at the commissary is a military community tradition.

Baggers have been a part of the commissary “experience” for as long as I can remember. Even growing up overseas as an Air Force brat, I remember the nice ladies and teenagers who walked with us out to the car and helped to load the bulk of our weekly foraging.

What I didn’t know as a kid is that all commissary baggers, most of whom are retirees, military spouses and military dependents, are independent contractors.

As such, they do not add to the cost of running the commissary in any way, but that doesn’t mean, of course, that they offer their services for free.

Admittedly, there was a time, back when we were a younger military family, that even a few extra dollars each week had an impact. I can’t tell you how many times I had to to scrounge for quarters or crumpled up dollar bills to tip the nice kid who loaded up the back of my car while I tried to wrangle my kids into their car seats. I am sure there was more than one occasion when I was angry and frustrated at having to offer some kind of payment, even though, technically, it’s not required. And it would have been a commissary etiquette faux pas to ask them not to bag my haul.

But now, thanks to many years of hard work and progression in our chosen careers, hubby and I can certainly afford to pass a five-spot to the retiree or high school student trying to make a few extra bucks during the weekend shopping rush.

When you consider that the average check out experience probably runs about 10 to 12 minutes, I’d wager baggers are making about $10 to 15 per hour, a reasonable wage considering most of their work is done over just a couple of days a week.

I like the idea of being able to pack my groceries the way I want them packed.

Even just the few minutes it saves after we arrive home is welcomed. But the thought of not having the baggers available, of potentially ending that tradition, makes me a little sad.

I am all for progress, but the idea of potentially eliminating a job opportunity for folks within our military community to continue to serve in our community just feels wrong.

Baggers are a long-standing tradition of military commissaries. Is it time to send them packing?

No Fanfare for 6 Female Expert Infantryman Badge Earners

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Six female soldiers recently stood among the few who earned the right to wear the Army’s Expert Infantryman Badge.

To earn the badge, they were required to pass a grueling multi-day challenge that tested their modern-day warfighter skills. That list of skills, 30 tasks deep, included passing an Army physical fitness test with a minimum of 80 percent in each category, multiple weapons lanes, day and night land navigation, as well as proficiency in several combat lifesaver skills, chemical decontamination, and an arduous 12-mile ruck march with a 40-pound pack.

The names and units of these female soldiers were not released, and like so many other noteworthy female pioneers, they quietly took their place in the trophy halls of American feminism.

The Expert Infantryman Badge challenge, attempted by hundreds of infantry soldiers each year, remains attainable by only a small percentage. Of the 1,007 who competed in November 2017, only 289 remained standing at the end.

That women could compete and subsequently earn and wear the badge has only recently become an option. We just passed the two-year mark on the history-changing decision to allow women to serve in infantry positions.

In May 2017, the first gender-integrated infantry basic training graduated 18 female soldiers. Those soldiers now serve in one of a number of infantry units across the Army.

And while there were 6 women who earned their Expert Infantryman badges at Fort Bragg last year, they are not the first women to have charged into this challenge and passed.

In 2011, Captain Michelle Roberts, a company commander in the 2nd Battalion, 60th Infantry Regiment earned the EIB, but because she did not have an infantry MOS, was not authorized to wear the badge.

Additionally, 2 female soldiers from the South Korean army passed the EIB challenge in 2014. And since the South Korean army has allowed women to serve in infantry positions since the 1990s, their achievement is proudly displayed on their uniforms.

No Fanfare for 6 Female Expert Infantryman Badge Earners

Why do you think there wasn’t any fanfare for these women who earned the Expert Infantryman Badge?

There wasn’t much fanfare in the announcement of these new awardees, which gave me pause to wonder why.

Was it because these 6 women feared the inevitable backlash that always seems to ensue when a woman manages to crash through a glass ceiling or wall that protects the mighty accomplishments previously achieved only by men?

Peruse any article touting female soldier accomplishments and the comments are a mix of cheering and ridicule, celebration and suspicion. Accusations of “lowered standards” permeate the rhetoric of those still convinced there is no room in today’s Army for female infantry soldiers.

A quick review of the latest guidance issued by the Army regarding the required standards for the Expert Infantryman Badge offers only one area in which there could be any perceived difference of standards and that’s the APFT.

Participants are required to pass their APFT with a minimum score of 80 in each of the 3 events – 2-mile run, sit ups, and push-ups. Current Army standards do present a difference in the number of sit ups and push-ups, and the time requirements based on gender. However, there is not one standard for males, either, as the APFT also makes allowances for age.

Perhaps it was the choice of these new female EIB awardees to avoid the PR and countless media interviews.

Maybe they are part of the significant number of female service members who are tired of standing out simply because of their gender.

Maybe they believe we have finally reached a point where female soldiers have done enough that their successes no longer need be celebrated as firsts.

Instead, maybe these 6 women simply want to put on their boots, show up and excel at their jobs. Something female soldiers have been doing every day for years.

Why do you think there wasn’t any fanfare for these women who earned the Expert Infantryman Badge?

Keeping Supplements Safe for Service Members

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It’s impossible to turn on the television, listen to music or read online publications, without happening upon an ad for some kind of dietary supplement. Even a trip to the exchange or commissary offers supplement options, including full-fledged GNC stores operating on many military installations.

And it’s not like we just have one or two options. There are hundreds if not thousands of supplements to choose from. Some promise help with weight loss, others with building muscle mass. There are supplements for better sleep, better digestion, stress relief, bone and heart health, and even better sex.

Given all the promises that these products have to offer, it is understandable why so many service members would turn to supplements. Long hours, expectations for physical and mental endurance, and competition for promotion and awards pushes many to consider any option for even a small competitive edge.

But how can a service member be sure that the supplements they are taking are safe?

And how can service members ensure that the supplements they are taking don’t contain any one of a number of restricted substances banned by military guidelines and tested for in routine urinalyses?

The common sense answer is, talk to your doctor and do your research before buying and taking any dietary supplement.

Many of us will search of any number of supplement information online before talking with our doctors. Have you searched online for this information? Try it now. Go ahead, I’ll wait.

Chance are, any online search produces hundreds and hundreds of pages, most touting the benefits of said supplement. Before and after pictures offer proof of a supplement’s effectiveness and countless endorsements make it appear that you’ve found the miracle pill that will make you run faster, grow stronger or stay sharp for hours on end.

Should you trust these claims? How much is marketing fluff designed to make you spend your money on a magical pill?

You might not know it, but there is a trusted source you can use to find out more about the supplements you are taking and how to use them both effectively and safely. It’s called: Operation Supplement Safety.

After several instances of harmful supplements being sold on military installations, the Assistant Secretary for Health Affairs put out a request for the creation of a dedicated resource for members of the DoD community. In 2012 Operation Supplement Safety (OPSS) was born.

OPSS was created by the Consortium for Health and Military Performance (CHAMP), a Defense Center of Excellence department at the Uniformed Services University of the Health Sciences. Its mission is to both educate and protect members of the DoD community by providing “evidence-based, up-to-date information on dietary supplements.”

And its efforts to promote awareness and safety are further enhanced by its industry partnerships with agencies like the Food and Drug Administration, the National Institutes of Health, U.S. Anti-Doping Agency, and the National Center for Complementary and Integrative Health.

As part of OPSS’s ongoing efforts and community partnerships, the supplements sold in commissaries and exchanges must be vetted against a list of supplements and ingredients included on the DoD’s list of banned or prohibited substances.

This means that if you buy on-post or online through the exchange, you can trust the products you are buying.

Additionally, the OPSS website is a treasure trove of information on how to use supplements safely and effectively. For example, want to know how to safely use caffeine to help “boost your mental and physical performance?” Check out this infographic created by OPSS.

Want to check the ingredients of your supplements against the banned ingredient list? Here’s a chart that lists all of these substances and the dangers associated with them.

We still live in a time of buyer beware, but it’s nice to know that when it comes to our health, there is one place we can trust to get the information we need.

Do you buy dietary supplements? Why do you buy and take them?

Military Discounts for Hitting the Slopes

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You know, it wasn’t all that long ago that backyard barbecues, cold beer, and hours of gloriously warm sunshine were the order of the day. While I know those days will be upon us soon enough, I suppose the only thing we can do while we wait, is enjoy all the splendor that winter has to offer.

Military Discounts When You Are Skiing

Do you enjoy skiing or snowboarding? Don’t forget to ask for a military discount when buying your lift ticket or renting equipment.

US News and World Report recently put out their list of the top 10 places to hit the slopes. Most of the snow-covered destinations on the list come as no surprise to avid and beginner skiers alike.

But what you may not know is almost all of them are home to amazing resorts that offer military discounts!

Whether you like the exhilaration of a black diamond downhill run, the challenge of a cross-country trek, or a mug of hot chocolate by the fire, you can get your winter on and save a little money with these military discounts.

Military Discounts for Hitting the Slopes

Breckenridge, CO

Located a little over an hour outside of Denver, Breckenridge offers a quaint small town, nearly 200 ski trails and thousands of acres of skiing paradise.

Breckenridge Ski Resort offers a fantastic 30% military discount on daily lift tickets. The discount is offered to active duty personnel and their dependents. Lift tickets cannot be purchased in advance or online. You should be prepared to show your military ID card when you purchase your lift ticket at the ski resort. Get all the details, including current slope conditions by visiting them online.

Park City, UT

A quick drive from Salt Lake City, Park City is home to the Sundance Film Festival and some of the best skiing and snowboarding in the country.

Park City offers military discounts on daily lift tickets to active duty service members, their dependents, and retirees and their dependents.

This is one of the few ski resorts to offer a military discount to retirees.

Save even more by purchasing your lift tickets through ITT at Hall Air Force Base. Military-discounted lift ticket prices are $98 for adults and $61 for children.

Lake Tahoe, CA

Situated on the California/Nevada border, this all-season vacation jewel offers stellar slope action and an outstanding array of restaurants, shopping, and bustling night life options.

Black Diamond, located in Incline Village, offers great options for all ski levels at a great discount. For active duty personnel, lift tickets midweek and during non-peak weeks are free, and just $64 otherwise. Military dependents and retirees are offered the $64 rate at all times.

Steamboat Springs, CO

Nestled in Colorado’s Yampa Valley, Steamboat Springs is nicknamed Ski Town, USA, and is as famous for its hot springs as it is for its skiing.

It has some of the best military discounts around! They generously offer a standing 20% discount for all military personnel on daily lift tickets, ski and snowboard lessons and rentals, plus a special rate on a 3-day pass. Find out more about these great discounts here.

Aspen, CO

Snowmass offers 4 mountains to choose from, and since the first park was opened in 1946, it has had a special relationship with active duty veterans and retirees. They offer an amazing season pass rate, plus special events and programs for disabled veterans. Get the details here.

Telluride, CO

Colorado has no shortage of great skiing, but Telluride has a character all its own. With dramatic drops and an average of 300 inches of snow each year, it’s the perfect place to explore a Rocky Mountain slope or two.

Plus, you can score an awesome multi-day rate. At just $75 for the first day and a 30% discount on additional days, Telluride offers fantastic skiing at a fabulous price.

Did we miss any ski resorts that offer a military discount? Please tell us in the comments section so that we can add them to this comprehensive list.

Military Discounts to Use When Visiting State Parks

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When most of us think about the great outdoors, we immediately think of camping, hiking, hunting and maybe even whitewater rafting.

One of the best places to do all of these great outdoorsy things is at national parks, but what if you don’t want to trek all the way to a national park? While places like the Grand Canyon and Yellowstone are worth the hike, chances are you don’t have to take a road trip to explore all of the wonders that mother nature has to offer.

Your next great camping trip might just be up the road at any one of the more than 10,000 state parks.

Every state in the union, from Florida to Alaska and Maine to Hawaii has their fair share of gorgeous state parks. Encompassing more than 18 million acres, state parks have something to offer everyone. Whether you’re a ski fanatic, a hobby fisherman or just want to find a quiet place to commune with nature, chances there’s a state park that offers the perfect day off.

And many state parks offer military and veteran discounts.

Most state parks offer day and annual passes, as well as licenses for fishing, hunting and boating. Some require special passes depending on the activities you plan on engaging in at the park (i.e., primitive camping or RV stays).

And almost every park we researched offered a free annual pass for wounded warrior residents of the state, though the percentage of disability required for the annual pass varied by state.

Military Discounts to Use When Visiting State Parks

Did you know that West Virginia state parks offer a 10% military discount? Plan your next hiking adventure at Blackwater Falls State Park in West Virginia.

For the rest of us, active duty and veterans, the military discounts vary by state and often are offered at each individual park and for limited time periods or only to residents of that state. When in doubt, contact the individual park.

Here are 4 states we found that offer discounts at their state parks:

Georgia State Parks

Georgia offers dozens of state parks, including Fort Yargo, with its 260-acre lake, multiple RV sites and even lakefront yurts for a little weekend glamping. Active duty and retired military — who are Georgia residents — are entitled to a 25% discount on the daily or annual parks pass. A current military or retiree ID must be shown at time of purchase.

Florida State Parks

With over 150 state parks to choose from, if you crave the sun, you’ll find it here. Florida’s state parks include miles of beaches and all kinds of interesting trails including the Tallahassee-St. Marks Historic Railroad trail, with options for hiking, biking and even horseback riding. Active duty military, National Guard and reservists and retirees can received a 25% discount on all Florida state park entrance fees.

However the passes cannot be purchased online.

Maryland State Parks

Maryland culture has long revolved around the water. Dozens of Maryland state parks offer the chance to experience a landscape rich with marine wildlife and ocean views, including Janes Island State Park where visitors can fish and crab to their heart’s content. With a valid military ID all Maryland state park daily fees are waived. Find out more about this park and many others at Maryland.gov.

West Virginia State Parks

With over 50 state parks, West Virginia is a camping and hunting enthusiast paradise. Included in its many offerings is Seneca State Forest, home to rivers, lakes, miles of trails and its famous 65-foot fire tower that offers an incredible bird’s-eye view of the lush forest and woodland.

Best of all, all West Virginia state parks and services offer active duty and veteran personnel a 10% discount.

Looking for another state or a specific state park? Find links to it all by visiting www.stateparks.org.

Have you sign up for Military Shoppers Travel and Rewards community? It’s a free way to save money on your next family vacation.

Will Tricare’s Changes Impact Military Retirees?

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By now the cat is out of the bag and you’ve probably heard and maybe even read about all of the changes to Tricare coverage for active duty personnel starting in 2018.

But what about the changes to plans offered to military retirees?

Much like the changes for Tricare Prime and Tricare Select (formerly known as Tricare Standard and Tricare Extra), the changes depend on the plan you use.

Yes, there are changes and increases to fees, and yes, there are also some increases in coverage for certain types of care.

The good news is that 2018 will be a transition year for the permanent changes and just as in years past, retirees will be able to switch plans as they wish. However, starting in 2018 for coverage beginning in 2019, Tricare for Retirees and Tricare for Life will see enrollment periods opening once per year and any changes to plan enrollment will need to take place during the open-enrollment period from the middle of November to the middle of December.

Will Tricare's Changes Impact Military Retirees?

Will you be impacted by Tricare changes this year? What’s changing for your health insurance plan?

Changes in Prescription Fees

All beneficiaries will see a change in prescription fees starting in February 2018. A 30-day supply of name brand drugs will run retirees $28, while generics will cost $11. Ninety-day supplies via home delivery will be $24 for name brand and $7 for generics. There will continue to be no co-pay for prescriptions filled at military treatment facilities for eligible plans. Non-formulary co-pays will be $53 for both 30-day retail in-network filled and home delivery.

Changes to the Retiree Dental Plan

The current Retiree Dental Plan will be retired in December 2018. The plan will be replaced with the same plan currently offered to federal employees and more information about the plan and any additional changes will be put out later this year.

Changes to Tricare Retirees – Select

All retirees using Tricare were notified late last year about the enrollment requirement. Enrollment is required in order to continue care. Current Tricare Retirees-Standard (now called Select) will see out-of-network fees charged for any care received without enrollment, so if you use this plan and haven’t already enrolled, take the time to do so. It will save you money if you end up needing care this year.

In addition, Tricare Retirees-Select will continue to see no enrollment fees until 2021. After that an annual enrollment fee will be charged, similar to the Tricare Retirees-Prime fees already in place. These annual enrollment fees will be due in January 2021.

Medical retirees and survivors of service members killed in action using Tricare Retirees-Select however, will be exempt from the fee.

Other changes include upping the the catastrophic cap for retirees using the Standard plan staring in 2021 from the current $3,000 to $3,500.

For Select users starting in January 2018, in-network primary care visits will cost $35 and in-network specialty care will cost $45 per visit. In-network emergency room visits will run $116 per visit and urgent care $35 per visit.

Changes to Tricare Retirees – Prime

Tricare Retirees-Prime will continue to see much of the same coverage currently offered. Annual enrollment rates will see annual increases equal to COLA rates. Enrollment dates and fees will move from October to January starting in 2018.

For any point-of-service visits outside of a military treatment facility, retirees using Prime will pay $20 for in-network primary care and $30 for in-network specialty care. In-network emergency room visits will cost $60 and urgent care, $30.

Changes to Tricare for Life

Retirees using Tricare for Life will see almost no changes to their current coverage. The current $150 (single rate) and $300 (family rate) will remain the same for costs not picked up by Medicare.

Additionally, the catastrophic cap will remain the same. The only change Tricare for Life users will see is a change in the reset date for deductibles and cap. Instead of October, the plan will reset in January just like all of the other Tricare plans starting in 2018.

Tricare has done a pretty decent job of notifying its beneficiaries of the changes and more information about changes to specific plans can be found on their website.

Now that you know how military retirees will be impacted by major changes from Tricare, what other questions do you have?

2018 Brings Pay and BAH Increases…Or Does It?

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It’s the new year and along with resolutions, new tax regulations and the Winter Olympics, we also have the annual military pay increase.

2018 Brings Pay and BAH Increases...Or Does It?

For active duty, the 2.4% pay increase will be the largest pay raise since 2010. But is it enough?

In years past the raise has been a little lackluster, but this year most folks are pretty happy with the pay increase. How much are we going to see? For active duty, the 2.4% pay increase will be the largest pay raise since 2010. For my spouse, that means a monthly increase of just under $100 a month. Not too shabby, maybe we can finally institute a monthly date night.

For retirees, the annual cost of living adjustment (COLA) pay increase will be 2%, a definite increase over years past.

To see how much the pay increase for active duty personnel will benefit your household, check out the 2018 Military Pay Rates chart here. Retirees and disabled veterans can find more information about the new COLA rate by clicking here.

In addition to all the stir about the pay increase, you might also have heard that BAH rates are ticking up slightly. And by slightly, I mean just barely at 0.7% on average, but an increase is an increase, I suppose.

The average service member will see less than a $20 increase in their BAH rates, but over the course of the year, an extra $240 can come in handy. If you’re like me, that’s my budget to replant my vegetable garden and buy a new watering can.

Keep in mind that the uptick in BAH is not a blanket increase. Some places will see as much as 10% to 15% (Beale AFB, Mountain Home AFB and Fort Wayne), while other places like Fort Riley, Camp Lejeune and Pensacola will see BAH drop as much as 5% or more.

Don’t worry if you already live in one of the areas that will see a decrease. Current regulations prevent BAH dropping for personnel already stationed at a particular location. Only incoming personnel will be affected by the drop.

That being said, make sure you do your research if a PCS is in your future.

One thing many folks may not be aware of, however, is the current BAH dampening plan to push 5% of housing cost responsibilities back to service members by 2019.

Even with the increases offered to many this year, service members will see the increase in their BAH not stretching as far as it did in years past. The published 2018 BAH rates will only cover 96% of the average housing costs, with an additional 1% reduction expected next year. The thought is that this plan will free up some much-needed funds in the defense budget.

I’m not sure how I feel about this idea. In part this feels like another inch in the steady erosion of military pay and benefits. In many specialty job positions, services are struggling to retain qualified military personnel who reap the benefits of training while in service only to be romanced away by the large salary and benefit offers coming from civilian employers.

I understand the money has to come from somewhere, but in my experience, BAH has frequently not kept up with growing housing costs and given that service members have no say in the duty stations they are assigned to, reduction in the BAH benefits will make PCSing to some duty stations that much harder.

In places like Virginia Beach, San Diego and Washington, D.C., where the cost of living is already 15% to 40% higher than the national average, even a 5% reduction in benefits will hit service members’ wallets hard.

And it doesn’t exactly scream “stay in” when it comes time to consider re-enlistment.

When you consider this pay increase – that’s not really an increase – along with some of the jumps in medical costs put out by Tricare for 2018, the benefits so many service members expected as part of their pay is slowly but surely being whittled away.

Don’t get me wrong, I’m certainly not going to turn down a pay increase, but it’s important that we remain aware of what those increases actually mean. And when you consider that the call to serve is answered by so few, I have a hard time understanding why pay and benefits seem to be on the steady decline.

What do you think of this year’s pay increase for service members?

12 Days of Holiday-Inspired Cocktails

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′Tis the season of holiday parties and office gatherings. Along with the shrimp cocktails and plates of holiday cookies, now is the time of year when a special holiday cocktail can make those celebrations with friends and family something memorable.

Inspired by the song “The Twelve Days of Christmas,” here are 12 drink recipes to try this holiday season.

12 Days of Holiday-Inspired Cocktails

A Partridge in a Pear Tree

Ahhh, pears. They are often forgotten about when it comes to holiday entertaining, but they offer a nice alternative to apples and pumpkin. Together with ginger and bourbon, pears are the featured flavor in this holiday beverage that is just sweet enough to be something special. Here’s the recipe for a Ginger & Pear Bourbon Cocktail.

Two Turtle Doves

I’m not really sure what a turtle dove is, but I when I hear the word turtle, I automatically think chocolate and caramel. This drink has it all, complete with a pecan glass rimmer and topped with whipped cream! Let me introduce you to the Turtle Caketini.

Three French Hens

Even hens are fancier in France, so is it any wonder that a French cocktail could be just what you need to give your holiday party some pizazz? Here’s a whole list of French cocktails, but my favorite is French 75. You can’t go wrong when champagne is involved.

Four Calling Birds

Whether you are flocking together with family or friends, a drink inspired by calling birds is sure to please even the sourest humbug. Here’s the recipe for The Jungle Bird Cocktail.

Five Golden Rings

Be it 24 karat or 100 proof, gold for the holidays is always in style.

This one takes a little work, but oh, it’s so worth it. Take the bright, sweet flavor of pineapple and marry it with traditional holiday spices like cinnamon and clove. Served hot, this drink will warm you inside and out!

12 Days of Holiday-Inspired Cocktails

Now is the time of year when a special holiday drink can make those celebrations with friends and family something memorable.

Six Geese A Laying

What do you get when you’ve got six geese a laying? A whole lot of eggs. And while this drink recipe doesn’t actually contain any eggs, a spiked egg cream will bring back memories of yesteryear while helping you create new memories in the present.

Seven Swans A Swimming

Graceful and beautiful, but have you ever wondered what a swan who took a dive on the dark side would look like?

If you ask this mixologist, that bird would be purple, and both sweet and tart. Try a Seductive Swan for an afternoon get-together or your holiday book club.

Eight Maids A Milking

Where there is milk, there’s cream. And nothing says holiday cheer like the creamy, dreamy flavor of a peppermint patty. Here’s how to make this favorite seasonal drink three different ways.

Nine Ladies Dancing

If you’re not exactly a twinkle-toed ballerina, consider substituting killer dance moves with this killer drink. The Nine Ladies Dancing Cocktail is aptly named and just as impressive as any chorus line.

Ten Lords A Leaping

On this side of the pond you’re not likely to run into too many lords, but I imagine if you saw ten of them leaping, you’d probably take notice.

Inspired by Lord Stanley of the famous Stanley Cup this holiday punch packs a…well, a punch! Plus it makes enough to serve the entire hockey team!

Eleven Pipers Piping

Piping…piping…piping hot! With the cold winter weather, libations served warm are a must. And Hot Buttered Rum is a long-standing favorite.

This recipe makes it super easy to have Hot Buttered Rum pretty much on demand. Click the link for the batter recipe, then prepare your rum to be buttered.

Twelve Drummers Drumming

Stop and think for a moment what twelve drummers drumming would sound like. This final drink will help you celebrate the season with the kind of bang those drummers would be proud of.

Got a favorite recipe? Enter your holiday drink recipe in the MilitaryShoppers recipe contest. One winner every month. Click here to enter your recipe today!