pharmacy

We Really Wish These Retailers Offered a Military Discount

12/20/2017 By Kimber Green

One perk of being part of the military community is getting a military discount. Sure it’s a small thing, but it goes a long way.

How many times have you asked for a military discount when you’ve been checking out at a retailer?

I love a great discount and I’m thankful that many establishments offer it. I don’t expect it and quite often I’m surprised by how many places do offer a military discount.

Michael’s use to only offer a military discount on Mondays, but in recent years this retailer has moved to offering it every day. Old Navy is now the same, offering a military discount every day of the week instead of just one. I would always end up there on the wrong day, so I am so glad they expanded the program.

We Really Wish These 20 Retailers Offered a Military Discount

Getting a military discount is wonderful, no matter where it is at.

There are plenty of retailers that offer a military discount, but there are many more that do not.

Here are 20 stores that we wish offered a military discount.

I did a bit of crowdsourcing and found that many military spouses said grocery stores. Everyone doesn’t live near a commissary so they don’t have the opportunity to save money that way. The closest commissary to me is 35 minutes away, which doesn’t seem far. It is however when you need to pop out for 1 or 2 things.

It would be nice if places such as Wegmans, Publix, Giant, Food Lion, Aldi and Winn-Dixie offered a military discount.

After grocery stores, the next most popular establishments military spouses wished offered a military discount were big box retailers such as Walmart and Target. Most of us spend plenty of time in these stores and spend countless dollars, whether on frivolous things or necessities. Imagine how much money we would save over the long run if a military discount was offered.

Along the same lines, many military families would benefit from a military discount at stores such as Costco, Sam’s Club and BJ’s. Now that’s where most of us leave our money behind. It would be nice if we left with more than just jumbo sized products. Having a military discount would allow us to go home with more money in our pockets too.

We would probably spend it on coffee though. You laugh, but it’s true. So many people stated that they wished Starbucks offered a military discount. I vote for that too.

I don’t want to know how much money I’ve spent on coffee. It was worth every penny though. Every move, every deployment, every time I’ve made friends with new military spouses coffee has been involved. It’s basically a lifeline.

Speaking of lifelines, Amazon is a real savior. How many times have you bought something on Amazon? Having Prime membership is worth the price, but it would be so much better with a military discount.

If students can get a discount and people on government assistance that have EBT cards can get a discount, then why can’t military families get one? It doesn’t seem like that should be out of the question. If they can extend a membership discount to certain groups, then they should consider extending it to the military community.

I suppose we can’t have it all, but we can dream. Some other retailers that were suggested to add a military discount include Best Buy, Walgreens, Hobby Lobby and Tractor Supply as well as many restaurants.

At some locations Best Buy offers a 10% military discount, but not all of the stores do. Walgreens is now a Tricare approved pharmacy so many military families will be visiting these stores. It would be great if they offered a military discount on products other than prescriptions.

While Best Buy and Walgreens are great, many families have taken to a more domestic approach to life, having chickens in particular, and would benefit from a discount at Tractor Supply. Tractor Supply offers a discount to farmers, but not to military families. They receive a lot of patronage from the military, so it would be nice to get something back.

It would also be fantastic if every restaurant offered a military discount. A lot of military spouses said they would really appreciate that. Restaurants such as Outback Steakhouse, Red Robin and some Hard Rock Cafes offer these discounts but it would be nice if all of them did.

Getting a military discount is wonderful, no matter where it is at. I never expect to get one and am always happy and surprised when one is offered. Some places only offer the discount to the active duty person so it’s really nice when it can be applied to all of us with a military ID card.

Did we miss your favorite retailer that you wished offered a military discount? Tell us in the comments section.

What Military Families Need to Know About the Flu Vaccine

11/13/2017 By Kimber Green

It’s that time of year again, flu season.

Have you and your family gotten the flu vaccine yet?

The Centers for Disease Control and Prevention recommends that everyone over the age of 6 months gets the flu vaccine.

What Military Families Need to Know About the Flu Vaccine

Don’t let your fear of needles keep you from getting this year’s flu vaccine.

Here are the details you need to know about getting the flu vaccine as a military family.

Tricare pays for the flu vaccine, but they have strict guidelines that you must follow in order for your insurance to cover the cost.

The nasal spray that you or a family member may have gotten last year is not available this year. If you want the flu vaccine, you’ll have to get the injectable treatment. Here are 3 ways to get the flu vaccine and have it covered by Tricare.

How to Get the Flu Vaccine for Free Through Tricare

Visit a military hospital or clinic. You should call ahead and make sure that the flu vaccine is available. Some clinics have certain hours that walk-in vaccinations are done and some require an appointment. Active duty service members have priority so prepare yourself for a possible wait.

Visit an in-network pharmacy. You can search on Tricare’s website to find a local participating network pharmacy or you can call the Tricare line at (877) 363-1303.

Last December the Tricare retail pharmacy network changed so you may not be able to go to the same pharmacy you went to for your flu vaccine previously. Make sure you check if your pharmacy of choice is in network now.

For example, last year you might have gone to the CVS pharmacy in Target. Tricare no longer uses CVS. They switched to Walgreens.

You can also get your flu vaccine at Walmart, Kroger and Rite Aid to name a few.

Before heading to the pharmacy, call first. You’ll need to make sure a pharmacist will be available to give the flu vaccine, as Tricare will only cover the cost if it is given by a pharmacist.

If you get the flu vaccine by someone at an onsite clinic that is not a pharmacist, you may have to pay the full price of the flu vaccine.

Make sure when you talk to them to ask what hours the pharmacist will be available to give shots and if there is an age restriction. Some pharmacy policies do not allow them to give the flu vaccine to children under a certain age.

Visit a Tricare authorized provider. If you don’t have a primary physician, you can find a doctor through Tricare’s website. Note that you will be subject to your Tricare plan when going to see a doctor. This means you might have a copay or cost share for the visit. The shot however will be covered.

Active duty service members that do not want to get their flu vaccine from their primary care provider will need a referral to get one elsewhere.

Naval Hospital Jacksonville is offering the flu vaccine at the Naval Air Station Jacksonville Commissary on November 14 and 15.

If you are hesitant to getting the flu vaccine, remember that getting the shot is the first step you can take to protect yourself from the flu. It is required for all active duty, selected reserves and health care workers.

While everyone over the age of 6 months is recommended to get the flu vaccine, it is particularly recommended for pregnant women and people who suffer from chronic health problems such as diabetes and emphysema.

Don’t let being scared of a shot keep you from getting the flu vaccine. The flu is very contagious being spread by physical contact, coughing and sneezing. If you get the flu, you may have mild to severe sickness that could land you in a hospital. Make sure to wash your hands often to prevent the spread of this illness.

Now that you know how to get the flu vaccine for free, make time to get it done and protect yourself and your family.

What questions do you have about getting your flu shot?

How Tricare’s Pharmacy Provider Change Impacts Your Prescriptions

12/05/2016 By Kimber Green

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.

How to File an Appeal or Grievance with Tricare

02/05/2016 By Rachel Tringali Marston

There are options for your family to reach out to Tricare if you have any issues with medical care received or are hit with an unexpected bill.

How to File an Appeal or Grievance with Tricare

Tricare has 4 types of appeals.

Health emergencies can happen at any moment. Typically, things go way too fast for our thought process and there isn’t the luxury to think things through like, “wait, will this decision eventually bite me back with a huge medical bill?” We go to the doctor without question, so ourselves or our loved ones can get treated.

What do we do when that happens?

Your family can file an appeal with Tricare.

How to file an appeal

In Tricare’s words, an appeal is “the action you take if you don’t agree with a decision made about your benefit.” Because it’s particular to decisions, there are separate appeals you can file. Tricare offers 4 different types of appeals: factual, medical necessity, pharmacy and Medicare-Tricare.

Factual appeal: when payment gets denied or stopped for services or supplies that have either been received or authorized already.

Medical necessity appeal: when Tricare denies previous authorization because they assessed that it isn’t medically necessary anymore. The website outlines:

to be medically necessary means it is appropriate, reasonable, and adequate for your condition.

Pharmacy appeal: when your pharmacy prescriptions gets denied when you deem it necessary

Medicare-Tricare appeal: when you qualify for both, you may need to file with Medicare separately with their terms.

With the exception of the Medicare-Tricare appeal, the others require a written letter within 90 days of the decision. Along with that letter, add all your supporting documents that you have and the decision letter itself. For a pharmacy claim, you need to be specific on why you disagree.

The letter needs to be mailed to your contractor’s address (depending on where you are located). Tricare outlines the addresses in this link. You can also take your case a step further by requesting a formal review, reconsideration of decision or an independent hearing, depending on your type of appeal. That’s why I also encourage you to read more about each separate claim on Tricare’s website. That way you can assess your situation better: factual, medical necessity, pharmacy, and Medicare-TRICARE.

There are ways to continue the process when a decision doesn’t come back in your favor.

How to file a grievance

Also, we expect our medical practitioners to be diligent and appropriate when they work. When you are disappointed with your care, there are steps you can take to file a grievance with Tricare, so that your voice is heard.

Similarly to filing an appeal, you must write down your complaint and send it to your Tricare contractor’s address. The letter should outline the description of the event in question (date, time, name of practitioner, location, etc.). I suggest you be as detailed as possible and don’t forget to include any supporting documents.

Also, if you have any issues with dental care with your Tricare Dental plan, that is included too. It’s not limited to situations within medical care facilities.

In addition to your letter, share your sponsor’s Social Security number and all your information as well (name, address, phone number, date of birth, and sign it!). Tricare has a special website for grievances and I urge you to read it here.

If you’re filing an appeal or grievance for a dependent, include all the dependent’s information including your own. It’s good to share more during an appeal or grievance process that way they have the most comprehensive information. The whole family is covered, whether it’s the service member sponsor, spouse and children.