Military Life News

Military Life News, Commissary Rewards and Military Discounts

DeCA Dietitian Encourages ‘Thinking Outside the Box’

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Can I confess something? When my children were young and my spouse was constantly coming and going, there was a time when I cooked everything in the microwave.

Looking back, I am more than a little embarrassed at the amount of boxed dinners I prepared for me and my brood. To be fair, when my kids were young, the internet was still a newfangled mysterious thing and Pinterest wasn’t even a word yet.

Shamefully, I sacrificed nutrition for convenience. And I’m pretty sure I’m not the only one who has fallen into the trap of ease versus nutrition.

Which is why the “Thinking Outside the Box” initiative created by DeCA’s registered dietitian, Deborah Harris, is such a good idea.

Harris joined the DeCA team earlier this year and her impact has been nothing but positive. In a recent interview Harris revealed she doesn’t “want to tell people what they cannot eat,” instead she wants “them to be knowledgeable about what it is they are eating.”

And what better place to promote that awareness than at military commissaries worldwide? In the biweekly commissary flyer (and online), she offers healthy and easy dinner ideas that feature specials at the commissary.

Dinner plans and a sale? Nothing wrong with that.

Harris Understands the Demands of Military Life

Harris comes to DeCA with plenty of military experience under her belt. Raised as a Navy brat, 1st Lieutenant Harris served as a dietitian in the Army for 4 years at both Walter Reed Army Medical Center and Fort Sill. She is a certified diabetes educator and a maternal child health specialist.

Prior to joining DeCA, Harris was the director of network programs for the Michigan Fitness Foundation. She also worked as a public health specialist for the SNAP-Ed program and worked to help educate students, parents and other community members about nutrition and obesity prevention across the state of Michigan.

She earned her bachelor’s degree in dietetics from Western Michigan University and a master’s degree in public health from the University of North Carolina at Chapel Hill.

DeCA’s Dietitian Provides Quick and Easy Dinner Ideas

You can find meal ideas in the biweekly sales flyer, but even if you don’t regularly shop at the commissary, you can still take advantage of Harris’ dinner ideas.

Visit the Healthy Eats section on the DeCA website to browse new and archived recipes.

On the menu this week? Stovetop Tuna Mac. Stovetop Tuna Mac is just a handful of simple ingredients and takes about 30 minutes to prepare.

Quick Stovetop Tuna Mac

  • 8 oz whole wheat pasta (elbow, rotini, or rigati)
  • 2 tbsp butter
  • 12-16 oz frozen broccoli
  • 2 eggs
  • 6 oz nonfat evaporated milk
  • 8 oz sharp Cheddar cheese, shredded
  • 5 oz can tuna in water, drained
  • Dry mustard, salt & pepper to taste

Boil pasta according to package directions. Add ¼ tsp of salt to the water and cook until pasta is tender (8 to 10 minutes). Drain pasta and return to the pot along with 2 tbsp of butter and mix until butter is melted. Microwave frozen broccoli according to directions on package.

While that’s cooking, whisk together 2 eggs, nonfat evaporated milk, ½ tsp salt, dash of pepper, and ¾ tsp of dry mustard. Add mixture to pasta and stir gently. Set heat to low and add cheddar cheese, heat until the cheese melts and the sauce is slightly thickened and creamy.

Remove from heat and add the drained tuna to the cheesy pasta. Gently mix.

Serve with broccoli and enjoy! This recipe serves a family of 4.

If tuna isn’t your thing, check out these other great recipes:

Thankfully, I eventually realized making healthy choices for my family was infinitely more important than convenience. With great deals and recipes right at your fingertips, you won’t have to make the same mistakes I did.

And just in case you’re still sitting on the fence, just pretend I’m your mother, whispering in your ear, “Eat your veggies and make healthy choices.”

For more “Thinking Outside the Box” recipes, visit DeCA’s Healthy Eats.

65 Clothing and Apparel Stores that Offer Military Discounts

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Military orders send us across the country and around the world, but that’s no excuse for not looking our best.

Military exchanges offer great deals on name-brand clothing and apparel, but many clothing retailers are happy to offer military discounts to service members, veterans and their families. It never hurts to ask for a military discount, so don’t be shy, just be prepared to flash your valid military ID.

If you’re looking for a solid, no-fuss military discount, shop at these great retailers. Who knows, a fabulous pair of boots or your new favorite pair of jeans might be in your future.

In-Store Military Discount

Some in-store discounts may vary by location and you will be asked to present a valid military ID. When in doubt, just ask! Also, keep in mind that many chain stores are independently owned and discount amounts and dates may vary by location.

  • Abercrombie & Fitch: 10-15%, at manager’s discretion
  • Adidas Shoes: 10%
  • Aeropostale: 10-20%
  • Alfred Angelo: 30% off bridal gowns
  • American Eagle Outfitters: 10-15% off, at manager’s discretion
  • Anchor Blue: 10%
  • Ashley Stewart: 10%
  • Banana Republic: 15% off on full price items
  • Bass Pro Shops: 10% off from the 15th to 22nd of each month
  • Boscov’s: 15%
  • Cabela’s: 5%
  • Christopher & Banks: 10%
  • Claire’s: 20%
  • Dress Barn: Discount and participation varies by location
  • Eddie Bauer: 15% discount (some promotions excluded)
  • Express Clothing Store: 10% discount, can be combined with other coupons
  • Extreme Outfitters: Up to 20% off military gear
  • Forever 21: 10%
  • Gander Mountain: 5%
  • Gap: 10% discount on the first of every month (may vary by location; in-store only).
  • Hanes Outlet Store: 10%
  • Hot Topic: 10-20%
  • Jockey: 10%
  • Jones New York Outlet Store: 10%
  • Kohl’s: 15% military discount at select stores nationwide
  • L.L.Bean: 10% discount at select stores nationwide
  • Loehmann’s: 10%
  • Maurices: 10%
  • New York & Company: 15%
  • Old Navy: 10% military discount (may vary by location; in-store only)
  • Pac Sun: Discount varies by location
  • Payless: 10%
  • Rackroom Shoes: 10% (varies by location)
  • Polo Ralph Lauren Factory Stores: 15%
  • Rockport: 15%
  • Steve Madden: 10%
  • Stride Rite: 10%
  • Timberland: 20%
  • Tommy Hilfiger: 10%
  • Under Armour Outlet Store: 10%
  • Wet Seal: 10%

Clothing Stores that Offer Military Discounts Online

Some retailers offer the best of both worlds – in-store and online discounts! When shopping online, you will need to verify your military affiliation through ID.me or Troop ID. It only takes a few minutes and the discount is well worth the effort.

  • Allen Edmonds: 25%
  • Bonobos: 15% discount for up to 5 orders per year
  • Converse: 10%
  • Alter’d State: 15% discount on regularly priced merchandise
  • Carhartt: 10%
  • Frank & Oak: 20%
  • Lady Foot Locker: 20% discount with Veterans Advantage card
  • Nike: 10%
  • Orvis: 10% discount with the Veterans Advantage Card
  • Overstock: Free Club O membership for military personnel
  • Pirate’s Yacht Club: 15% off using code Military15
  • The Limited: 10%
  • Torrid: 10% discount in Torrid stores or by calling to place an order with a Torrid Personal Shopper
  • Wilson’s Leather: 10% off in-store with military ID or call 1-866-305-4704
  • CafePress MILPRIDE20* Save 20% off orders from CafePress.com; MILPRIDE25* Save 25% off orders from CafePress.com (September 1, 2017 to September 30, 2017)

Military Discount Available When Shopping Online Only

Forget the hassle of hunting for parking and dealing with the crowds. Put your feet up and let your fingers do the shopping with these online-only discounts.  Just make sure you take the time to verify your military affiliation before checkout. A few clicks and you’re done. The hardest part is waiting for the delivery guy.

Which of your favorite clothing stores offer military discounts? Tell us in the comments section.

Is a Disabled Veteran Eligible to Shop on Base?

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A MilitaryShoppers reader recently asked if a disabled veteran was allowed to shop at the commissary. That’s a good question.

You would think the answer should be yes, a disabled veteran can shop at the commissary but it isn’t that simple.

There are a variety of categories of people who are allowed access to the commissary and unfortunately, being a disabled veteran does not automatically grant you shopping privileges.

The guidelines are clear — a disabled veteran must be 100% disabled to have those privileges. There are other categories the disabled veteran may fall under though that would allow him/her to use the commissary. We’ve gathered all the information below to help you determine who is eligible to shop on base.

Who is eligible to shop at the commissary?

Uniformed Personnel: this includes all military branches, the USPHS Commissioned Corps., the NOAA Commissioned Corps, members of the Reserve Components and cadets and midshipmen of the Military Service academies.

Retired Service Members: There are different categories of retired personnel that are entitled to commissary privileges:

All personnel carried on the official retired lists (Active and Reserve Components) of the uniformed services who are retired with pay, granted retirement pay for physical disability, or entitled to retirement pay whether or not such pay is waived or pending due to age requirement; or enlisted personnel transferred to the Fleet Reserve of the Navy and the Fleet Marine Corps Reserve, after 20 or more years of active service.

Officers and crews of vessels, lighthouse keepers, and depot keepers of the former Lighthouse Service who retired.

Retired wage marine personnel, including retired noncommissioned ships officers, and crew members of vessels of NOAA and its predecessors (the Coast and Geodetic Survey and the Environmental Science Services Administration).”

Medal of Honor Recipients:  All Medal of Honor recipients are granted commissary privileges.

100% Disabled Veterans: Honorably discharged veterans that have 100% service-connected disability or a 100% unemployability as classified by the Department of Veterans Affairs are able to shop at the commissary.

This unfortunately means if you are a 99% or less disabled veteran, you don’t qualify.

Authorized Family Members including dependent children, lawful spouse, former un-remarried spouse, surviving spouse, surviving family member and surviving spouses and dependents of veterans that were honorably discharged posthumously determined to have 100% service connected disability have shopping privileges.

DoD Civilian Employees Stationed Outside the United States and their families can use the commissary.

Official DoD and Military Services Organizations and Activities: Any official DoD organization can use the commissary.

Involuntarily Separated Uniformed Personnel: Any service member that is involuntarily separated from active duty, as long as it is not for adverse reasons, can shop at the commissary for 2 years from the time of separation. A Select Reserve that is involuntarily separated also has a 2-year grace period to use the commissary.

Service Members Who Receive Sole Survivorship Discharge are granted commissary privileges for 2 years after the date of separation or after 2 years from when they were notified they had that privilege.

Hospitalized Veterans: Honorably discharged veterans can use the commissary when they are hospitalized in a location that also has a commissary. Note that this does not include veterans getting outpatient treatment.

DeCA Employees: DeCA personnel can purchase items for personal consumption during working hours to be consumed during breaks.

DoD Presidentially Appointed, Senate-Confirmed (PAS) Officers.

American National Red Cross (ARC) Personnel: They may be granted shopping privileges by an installation commander.

United Service Organizations (USO): USO leaders and their families who are assigned to overseas can use the commissary.

There are a few more exceptions to overseas commissaries. You might be surprised that DeCA does not decide who can shop at the commissary. The government decides based on the compensation status the service member or their family receives.

You can stop by the Pass and ID office if you think you should be able to shop on base but did not find a category here that you fit under. They have information on military benefits and issue ID cards.

They can also supply a visitor’s pass for a guest to join you on base. If you have commissary privileges, you are allowed to bring a visitor to the commissary, but they are not able to make any purchases.

While this is a lot of information, to answer the reader’s question if a disabled veteran can shop on base, the answer is only if they are a 100% disabled veteran or if they fall under any other category.

How do you feel about the requirement that a disabled veteran be 100% disabled to shop at the commissary? Do you think a disabled veteran of any percent should be allowed to shop on base?

Do you have a question about the commissary? We’d love to answer it. Please post your question in the comments section.

GAO Report Says DoD Lacks Data to Make Cuts to Commissaries

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Remember that Department of Defense report that said budget neutrality isn’t a vital option for commissaries?

Well that report isn’t the end of this discussion.

More likely that report is just the beginning of an ongoing discussion about the feasibility of self-sufficient commissaries.

The Government Accountability Office (GAO) recently released a report titled “Plan and Additional Information Needed on Cost Savings and Metrics for DoD Efforts to Achieve Budget Neutrality.” In this report GAO evaluated the DoD’s report and found that it lacked specific data to support its stance that budget neutrality isn’t feasible for commissaries.

“GAO’s analysis found that DoD’s report fully addresses three of the seven mandated elements and partially addresses the remaining four. Although DOD’s report discusses the seven mandated elements, GAO found that including additional information would have made the report more consistent with relevant generally accepted research standards and would have made the report more useful to decision makers,” the GAO report stated.

More useful to decision makers? Wait…what?

Let’s take a step back into the recent history of reports on cost-saving measures for the commissaries.

As commissary shoppers, we know that that DeCA operates the commissaries. Prices at the commissaries are product cost plus a 5 percent surcharge. In fiscal year 2015, DeCA’s annual sales for its commissaries were approximately $5.5 billion. DeCA received $1.3 billion in appropriated funds in fiscal year 2015 to operate the commissaries.

Those appropriated funds are currently under the microscope of the defense department.

The National Defense Authorization Act for Fiscal Year 2016 “mandated DoD to provide a comprehensive plan to achieve ‘budget neutrality,’ which DoD interpreted as ending the use of appropriated funding for commissaries and the military exchange system, by October 1, 2018,” as explained in the recent GAO report.

This mandate has caused a lot of head scratching and number crunching for those at both DoD and DeCA.

The Boston Consulting Group was contracted to conduct 2 separate studies that may lead to cost-saving measures. In February, DoD established the Defense Resale Business Optimization Board. This board is working to help implement reforms within and among the commissary and exchange systems.

Then DoD released its report saying budget neutrality will be difficult, if not, impossible. GAO then reviewed that DoD report as it was directed to in last year’s defense budget. That’s what lead to this report and GAO’s recommendation that “DoD provide information to Congress to support its conclusion about budget neutrality; develop a plan for achieving alternative reductions to appropriations; and identify specific metrics for customer satisfaction, product quality, and savings.”

“DoD did not provide a plan to achieve budget neutrality by October 2018 as mandated because according to the report, DoD cannot achieve budget neutrality without reducing savings to patrons or other benefits provided by commissaries and exchanges.”

“For example, the report stated that drastic changes, such as store closures and price increases, would have to be implemented if DOD were required to achieve budget neutrality. However, DOD did not provide additional information about potential steps to reach budget neutrality, such as cost estimates and assumptions, or include specific details about trade-offs, constraints and limitations to achieving budget neutrality such as reductions in benefits,” the GAO report said.

“Instead of providing a plan, DOD estimated a $2 billion reduction over a 5-year period, which would fall short of achieving budget neutrality by about $5 billion. DOD officials told us the cost savings amount was an arbitrary estimate, and that therefore DOD did not develop details on steps it would take to achieve the $2 billion in savings. DOD officials could not explain the assumptions, methodology, data, specific time frames or DOD efforts that would lead to the $2 billion in savings.”

In case you’re wondering why DoD didn’t conduct these types of detailed analysis in its initial report, DoD experts, who were interviewed by GAO investigators for this report, pointed to time constraints as their reason for the lack of specifics.

“According to DoD officials, for some efforts that are already being considered, DoD officials told us that they did not include some information in the report to support their conclusions because they have not had time to verify the information,” the GAO report said.

Here’s another important nugget of information: DoD concurs with GAO’s recommendations.

Now that we know that the decision makers aka Congress lack the information needed to make decisions about changes to the commissaries, what’s the next step?

I have a strong sense we’ll be reading another federal report in the near future.

What do you think of this GAO’s report saying that the DoD’s report on cost-saving measures for the commissaries was incomplete?

Are the Challenges of Military Life Worth It?

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At the end of the year, I find myself feeling a little introspective. This year has brought a lot of ups and downs, but perhaps the most monumental aspect of this year for my family is this:

we had our last military move.

Retirement is just around the corner. I’m not sure I even believe it yet. I grew up traveling the world with 2 active-duty parents. I took the oath of enlistment myself and then settled into the familiar life of a military spouse.

Every single moment of the first 40 years of my life has been influenced by the military community.

I have never known health care that wasn’t Tricare. Words like PX, PCS, TDY and ACUs are a part of my regular vocabulary. I have seen countless iterations of uniforms, moved from one side of the world to the other, and started and left more jobs than I can count.

As I think about this past year and imagine what a fast-approaching civilian future might look like, I have to wonder if the challenges we’ve faced as a military family have been worth it.

It’s a question not easily answered and so I did what any military spouse would do. I leaned on my military community and asked them: what are the biggest challenges of our particular lifestyle?

I empathized with their responses, and it wasn’t long before I noticed that almost every challenge listed was directly tied to the transient nature of our lifestyle. With that in mind, I sat down and gave some thought to this particular aspect of my life. Has moving 19 times been worth it?

Change Moving Is Never Easy

No matter your MOS or career field, this is one aspect of our military life that we all share in.

Often it’s a hassle, sometimes it’s an adventure, but it is always stressful.

Making sure you can find adequate housing, ensuring the school district is acceptable, finding a new job, setting up a new support system, picking a new primary care physician, figuring out which gate is open, the list goes on and on. I can honestly say that even though I have done all of these things many times, they never get any easier.

Moving is exciting when it’s just a set of orders and a daydream about the possibilities, but a nightmare when your entire life is packed into boxes, your spouse is headed out to God knows where for who knows how long, and you don’t even know where the closest grocery store is.

And then there is the separation. Separation from a spouse sent on deployment or TDY. Separation from extended family. Separation from the friends and co-workers who became your surrogate family when you first arrived at the new military installation.

As I sat reliving the stress and strain of military life, I could feel my blood pressure begin to climb.

And then it hit me. The lessons this life has taught me are invaluable.

Lessons Blessings in Disguise

If I had never traveled the world, I wouldn’t have lived in the beautiful, red brick townhome in England. Never had milk delivered in glass bottles right to our door. Never discovered that boiled Brussels sprouts are entirely unpalatable. I would never have played hide-and-seek in the small grove of olive and apricot trees on Crete. Never learned to swim in the Mediterranean.

If I hadn’t changed schools ever couple of years, I would have missed out on friendships that forever changed the way I saw the world and understood people. I would never have listened to a foreign friend tell me her secret dream was to one day become an American.

If I hadn’t said goodbye to countless friends, I would never have had the chance to say hello to so many others.

If I hadn’t waved goodbye to my spouse, I might never have learned that I am strong, smart and able to take care of our household on my own. And I would never have been able experience the sweet relief of watching him walk through the front door unharmed.

If I hadn’t agreed to quit a job to go where the Army sent us, I might never have learned how to make giant Christmas bows or develop a database or process a mortgage. I might never have learned how to create websites or work in social media.

I might never have learned that friendship, comradery, resiliency and a sense of duty will always trump adversity.

So has military life been worth it? For me, I think the answer is undeniably, yes.

How would you answer this question: Knowing what you know now, would you live your military life all over again?

How to Score a Military Discount on Your Hotel Room

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Military discounts are wonderful when traveling during the holiday season. Whether you’re taking a road trip with friends, flying in to see family or heading to a resort for a weekend getaway, don’t forget to ask for a military discount when booking your hotel room.

Here are 10 hotels and resorts that offer military discounts.

Best Western offers 10% off their best price for active and retired military and their families. You can book your hotel over the phone, through their website or in person. You need to show your military ID at check-in.

Choice Hotels guarantees discounts on both one- and two-person rates at more than 2,700 of their hotels. Active duty and retired military personnel can use the discount as well as their dependents.

Hilton Hotels and Resorts offers a military discount at more than 540 hotels and resorts in 78 countries. These are available to active duty service members as well as retirees and their families. You can access military rates here.

Hampton by Hilton offers a military discount to active duty, reserve, retirees and family members. You can find a participating hotel here. You will need your military ID at check-in.

La Quinta gives 12% off to military families and also offers a free hot breakfast. Dogs stay for free as well.  La Quinta has a special military program called La Quinta Returns Military Rewards™  that give military families extra benefits including 2 free nights a year.

La Quinta is also part of Hotels for Heroes, where individuals can donate their rewards points and the company will match it. These points are given to Fisher House Foundation which in turn is able to provide free accommodations for families of injured service members who are receiving treatment at medical centers where there isn’t a Fisher House nearby.

Hotels for Heroes also partners with these hotels: AmericInn, Best Western, Choice Hotels, Hilton, Marriott and Wyndham.

InterContinental Hotels Group includes InterContinental Hotels and Resorts as well as Holiday Inn, Crowne Plaza and Candlewood Suites to name a few.

There are 39 IHG Army Hotels on Army posts across America as well. They all offer military discounts to active and retired military as well as family members. You simply need to show your ID at check in.

Marriott has more than 4,000 locations around the world. Military families are eligible for a special discount; all you have to do is show your ID when you check in.

Wyndham offers up to 20% off the best available rate to all service members, veterans and their families. If making a reservation online, you need to click the verify with troop ID button to confirm that you are affiliated with the military. Then you will be redirected to the Wyndham site that has the military discount code. From there you can make your reservations.

Starwood Hotels offers a military discount to anyone with a valid military ID. You can make reservations over the phone or online.

Receiving a military discount on your hotel room may be as simple as asking for one. By choosing one of the hotels noted above, you know you are going to get a good military discount.

If you find a different hotel that doesn’t specifically list a military discount, call the hotel and ask for a military discount. They might not offer one, but it doesn’t hurt to ask and asking might just save you a few dollars.

Did we miss any hotels that offer a military discount? Please let us know about their discount and who can use it in the comments section.

How Tricare’s Pharmacy Provider Change Impacts Your Prescriptions

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On December 1, 2016, Tricare removed CVS, including CVS inside Target, from the Tricare retail pharmacy network and added Walgreens and Kroger.

That means that if you currently fill your prescription at CVS, you will need to move your prescription to another network pharmacy or pay full price for that medication.

You have options when it comes to filling a prescription. If you are one of the numerous beneficiaries that need to move your prescription, consider these options when switching.

Military Pharmacies

You can have your prescription filled at a military treatment facility. There is no change to military pharmacies at this time. Medication can to be filled at military treatment facilities free of charge. Call the closest one to you to see if they have the medication you need on hand.

Civilian Pharmacies

If you choose to fill prescriptions out in town, Tricare recommends Walmart, Rite Aid, Walgreens and Kroger as the largest pharmacies with the ability to obtain specialty medication. There are more than 58,000 retail pharmacies in network. This includes other national chains as well as pharmacies in grocery stores and independent pharmacies that you can fill your prescriptions at.

TRICARE Pharmacy Home Delivery

If you have maintenance medications, medicine that you take regularly, it is free to use the Tricare pharmacy home delivery system. You can order prescriptions online, over the phone or through the mail.

Even if you choose to have an initial prescription filled at a military treatment facility, you can still have the refills sent through Tricare home delivery.

A patient care advocate will contact your doctor if you need help getting your prescription transferred. Through Tricare pharmacy home delivery, you will receive a 90-day supply of your medication. Tricare recommends that you have 30 days of medicine before ordering to ensure there is plenty of time to get you properly put into the system and that the medication arrives before you run out.

Ordering your medication through Tricare pharmacy home delivery has many benefits including: automatic refills, free delivery, free generics and the option to talk to a pharmacist at any time.

Saving money is another benefit. As of February 2016, generic medications carry a $30 retail network co-payment, while home delivery does not have one at all. Formulary brand medications filled at retail network pharmacies have a $72 copay as opposed to $20 through Tricare home delivery. Non-formulary medications could cost you $150 at a retail network pharmacy, but would only be $49 through home delivery. These prices reflect a 3-month supply of medication.

Getting Reimbursed When Using Non-Network Pharmacies

If you choose to fill your prescription at a non-network pharmacy, you will be required to pay the entire price of the medication up-front. You then file a claim to get a reimbursement. The amount you get back however depends on your status and Tricare plan.

Active duty service members will receive complete reimbursement.

Dependents on Tricare Prime will get 50% of the cost share back.

Those on any other Tricare plans can expect to pay $24 or 20% of the cost, whichever one is higher, for formulary drugs. This is only after you have met your annual deductible.

If you are filling a non-formulary prescription, you will pay $50 or 20% of the cost, whichever is higher, after meeting your annual deductible.

Claims must be filed within one year of filling the prescription at a non-network pharmacy. Through Tricare’s website, you can access the Patient’s Request for Medial Payment (DD Form 2642), which you will need to fill out and mail in.

How to Transfer Your Prescription

Transferring your prescription is easy. You simply take your prescription bottles to a new pharmacy and have them call your previous pharmacy or you can call a new pharmacy and ask them to contact your old pharmacy.

Another option is to contact your doctor and ask them to send a prescription to your new pharmacy. You can also call Tricare home delivery (855-778-1417) to see if they carry your medication and then have it delivered to you.

Final Key Points to Know

There are no other changes to the Tricare Retail Network. If you do not currently fill your prescriptions at CVS, including CVS inside Target, then you do not need to change anything with your prescriptions. There is no change to Tricare copays.

There is no grace period. If you fill a prescription at CVS after December 1, 2016, you will pay for the entire medication and then need to fill out a reimbursement form.

To learn more about Tricare’s changes to the pharmacy provider list, click here.

Your CFC Questions Answered!

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The deadline for the Combined Federal Campaign is December 15, but many of you may still have questions. Luckily, we have the answers!

Who can donate through the CFC?

If you are a federal employee, government contractor, postal worker, service member or are retired from federal/postal or military service, you can donate!

How much or frequently can I donate?

You can give either as a one-time thing or through regular donations. Either way is completely fine!

How do I give?

You can donate either online or through a paper pledge form. Online donations can be made through payroll deductions, credit or debit card or an eCheck. Payroll deduction, cash or check is accepted when using a paper pledge form.

Your unit should have a CFC representative who can guide you through the process. If you need more help, contact support@cfcnca.org.

Are payroll deductions pre-tax?

You cannot make charitable contributions through payroll deductions pre-tax, per federal laws. However, you can claim these donations on your taxes.

Is there a minimum pledge amount?

For payroll deductions, you must give at least $1 per payroll period.

What if I want to cancel my donation?

Canceling a payroll deduction or recurring credit/debit card donation is the only change allowed outside of the pledge period. To cancel a payroll deduction, contact your payroll department and request that the allotment be stopped. To cancel a recurring credit card statement, call your credit or debit card company. You can get more information from support@cfcnca.org.

Can I give to more than one charity?

Yes! You can give to one specific charity, to specially chosen charities you select, to a group of charities or give to undesignated funds. You can search through the eligible charities at cfcnca.org. When giving to more than one charity, you can specify how much of your funds will be given to each charity. Undesignated funds will be equally allotted among all charities and federations.

Your CFC Questions Answered!

CFC is the largest and most successful yearly workplace charity program in the world.

I donated to the CFC last year. Do I need to make a new pledge?

Yes, donations are only good for one year. For each year that you wish to donate through the CFC, you will need to complete a new pledge form, either online or on paper.

What if I want to donate to a charity in a neighboring charity region?

Unfortunately, this is not allowed. You can only donate to national charities or local charities within your workplace CFC zone.

How do I get a copy of my contribution statement for taxes?

If you donated through a payroll deduction, you won’t receive a charitable contribution statement. Instead, you will need to compare your payroll deductions to the charities on your pledge form.

To find this, keep a copy of your pledge form. Then on your last leave and earning statement (LES) of the year, locate the deductions. Make sure the totals match, and bring both forms to your tax service or use them when you do your taxes.

For one-time donations on a debit or credit card, please keep the original receipt that was emailed to you. For recurring credit or debit donations, please save the original emailed receipt and your monthly credit/debit card statements.

If you donated through cash or check, please email finance@cfcnca.org to request a tax receipt.

Bring all of these documents with you when you do your taxes or have them handy at home, if you do your own taxes.

Why should I care about the CFC?

Over the last 55 years, more than $8 billion has been contributed to local and national charities. It is the largest and most successful yearly workplace charity program in the world. The donations made by federal, military and postal employees (and retirees) help support health and human services charities across America and around the world.

When does the contribution period end?

The deadline is rapidly approaching!

To pledge to a charity through the CFC this year, you must make your pledge by December 15.

Your workplace should have a local representative or point of contact who can guide you in making your donation. If you need more help, contact support@cfcnca.org.

What questions do you have about the CFC?

Military Discounts for When Your Service Member Is Deployed

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Have you looked into military discounts and freebies for deployment items? I love free and discounted things. As yet another deployment looms shortly ahead for my service member, I, at least, have some of these military discounts to look forward to.

Here is a list of 11 military discounts and freebies you should consider while your spouse is deployed.

Create a Free Welcome Home Sign with Build a Sign

Build a Sign offers the option of 1 free welcome home vinyl banner, jumbo card or yard sign to present to your loved one at the end of their deployment. You only have to pay for shipping.

They suggest ordering 8 weeks before you need it, but you can choose a quicker shipping option. Expedited shipping costs more.

Free Lawn Care and Snow Removal for Military Spouses

Project EverGreen offers free lawn and landscape services and snow and ice removal for military spouses while their service member is on deployment.

I signed up for this service when my husband deployed after moving to an area where it snows. Being from the South, I’ve never shoveled snow. I was relieved to find local people and lawn care companies registered with the EverGreen Project to help me while my service member was on deployment.

Smile for a Free Family Portrait with HeartsApart

HeartsApart.org brings photographers from around the country together to provide service members with photography sessions, free of charge, with their families prior to deployment. The service member receives a portrait that is printed on a waterproof bi-folded card that can fit in his or her uniform pocket. Their family receives a DVD with the photos from the entire session with reproduction rights.

The program has recently increased to provide photos of newborn babies that are born when their father is on deployment.

Operation Love Reunited Captures Your Homecoming Kiss

Operation Love Reunited offers free photo sessions for military families worldwide when the service member will be on deployment for 4 months or more. Options include pre-deployment and mid-deployment sessions, homecoming photos and fallen loved ones sessions.

Two photo sessions are allowed per deployment. Pre-deployment photo sessions require the service member to be photographed in uniform. Fifteen prints will be shipped directly overseas.

Homecoming photos are taken at the time the military spouse and service member are reunited to capture the raw emotion of being reunited. Fifteen photos will be provided digitally.

Daddy Dolls Offers Comfort to Military Children During Deployments

Daddy Dolls started as comfort pillows for children with fathers on deployment. The front of the pillow is a picture of the service member. What makes Daddy Dolls unique is that the pillow is shaped like a person and the photo is full size to the pillow.

Many of my friends had them for their children and recommended Daddy Dolls to me. I bought one for our son during the last deployment and he has carried it all over town with him.

While there isn’t a specific military discount for these now, you can find discount codes online. They have also expanded their product selection and now offer items with similar sentiment.

Record a Bedtime Story with A Story Before Bed

A Story Before Bed is a wonderful website that allows deployed, or soon to be deployed, service members record a children’s book online with audio and video for free. A wonderful element to this is children can listen to the recording repeatedly on iPad, iPhone, Mac or PC.

Our Military Kids Pays Activity Costs for National Guard Children

This is a nonprofit organization that helps children between kindergarten and 12th grade that have at least one parent in the National Guard and Reserves on deployment. They offer grants to cover the cost of activities that could help children facing stress while their parent is away. The grants cover the cost of athletic fees, fine arts and tutoring programs. It is not available to children of active-duty parents.

Ask for a Military Discount on Your Auto Insurance

Active-duty service members can receive military discounts on auto insurance during deployment. USAA offers up to 60 percent off auto insurance if you choose to store your vehicle during deployment.

GEICO offers up to 15 percent military discount. Check with your insurance carrier to see if it offers a military discount during your service member’s deployment.

Interest Rates May Be Lowered to 6 Percent

Under the Servicemembers Civil Relief Act, you can request all interest rates and fees that you have paid on credit cards, mortgages, student loans and other loans be lowered to 6 percent per year.

Freeze Your Service Member’s Cell Phone Account

Many cell phone companies will lover your bill or even freeze your account for the period that a service member is deployed and not using the phone. Under the Servicemembers Civil Relief Act, those with at least 90-day orders to an area that does not have cell phone service can cancel their contract without penalty.

Ask Your Bank to Waive Fees

Many banks will lower or even completely waive fees while on deployment. USAA does not charge fees on credit card balance transfers or on convenience checks. Check with your bank to see if they will lower the APR on transactions.

Did we miss any military discounts on deployment items? Please tell us in the comments section.

Obesity Rates Among the Ranks Climb to Nearly 8 Percent

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Close your eyes. Picture an average service member.

Their uniform is probably some version of digital camouflage. Their hair is cut short or pulled up above the collar. In your mind’s eye, they snap to attention and present a sharp salute. They are fit, ready and prepared to deploy at a moment’s notice. This is the soldier, sailor, airman or Marine we picture.

But recent information put out by the Defense Health Board suggests a growing percentage of our military ranks aren’t as fit and prepared to fight as we might think.

In fact, nearly 1 in 13 service members could be classified as clinically obese.

Top officials don’t seem particularly worried about present-day readiness, but it’s hard to imagine that a continued upward trend in obesity wouldn’t impact future readiness. As such, top Pentagon officials are working diligently to re-evaluate how services evaluate fitness.

But the real question is how did we get here? How have obesity rates in the military climbed to nearly 8 percent, more than twice what it was 5 years ago?

Pointing the Finger Would Be Easy

Rising obesity rates would be an easy mystery to solve if the same problem wasn’t also plaguing the civilian sector.

We could demonize all of the video game-loving millennials and accuse them of weight-gaining laziness.

We could point our fingers at unit-sponsored potlucks and bake sales.

Or we could vilify the chow hall and demand they stop selling hamburgers and french fries.

But the truth is, while all of these things are factors, the true culprit lies in America’s relationship with food.

America: The Land of Cheap and Plenty

We live in the land of cheap and plenty.

Big portions are like victory banners shouting our triumph over food shortages faced by those who lived through the Great Depression.

We live our lives on an advertising battlefield, hunted by big name food manufacturers and distributors out to improve their bottom line. They offer us the flame-broiled burgers, a bucket of soda and a big slice of American apple pie, all for $5 or less. They play into our self-realized weaknesses and pitch low-calorie, nonfat chocolate bars and cheese-covered baked potato crisps.

Our children (and future service members) are inundated with sugary cereal commercials and foods that are more toys than they are nutrition.

Even the fittest among us are targets for sugar-laced energy drinks and high-calorie protein packs. We have entire TV networks dedicated to decadent foods. We aren’t just in love with food, as a country, we are completely OBSESSED.

How We Got Here Is No Great Mystery

With nearly 2 in every 3 Americans classified as overweight or obese, the perpetual battle of the bulge has been a slow, simmering conflict in our country for the past half century. It is a battle that has made the real-life and devastating effects of heart disease and diabetes commonplace.

Given that the volunteers for our Armed Forces are pulled from our population at large, that they have learned to eat in a surreal world of corn, wheat and soybean subsidies, is it any surprise that this issue made its way into the ranks?

How we got here is common knowledge: lack of exercise, too much stress and highly-processed, highly-addictive foods.

We expect our service members to be a breed apart, to set the standard, to walk the fine line and stand at the ready to defend our nation. And yet, they must feed themselves from the same collective American table, so to speak.

When was the last time you saw a commercial for fruit that wasn’t tied to a bottle of juice?

Where is the Hollywood hunk giving face time to a head of broccoli?

Better yet, when was the last time you or anyone you know took a nutrition class?

Certainly service members are exposed to some kind of nutritional training, but a 2-hour session can hardly undo the programming instilled by a childhood of bad-eating habits.

I am sure that the DoD will take steps to make sure those currently serving better understand the implications of a poor diet. We may see it reflected in the commercial food services offered on post. We may even see food addiction treated in the same manner as drug or alcohol abuse.

But in truth, this will only be a stop-gap for those already in uniform.

If we want to see obesity rates decline, both in our neighborhoods and our military services, we have to reinvent our relationship with food. If we don’t, the consequences to our nation, our military and our waistlines will only continue to grow.

What actions do you think DoD should take to help service members who are overweight?