‘TRICARE Young Adult’ Will Be Expensive

January 13, 2011 | Terry Howell

Since the passage of the Health Care Reform Act last year, many TRICARE beneficiaries have been asking when TRICARE would begin offering coverage for military dependent children up to age 26 – like the civilian world. Last week the President signed the National Defense Authorization Act of 2011, which includes a provision to offer the “TRICARE Young Adult” program which does just that.

Great, right?  Maybe not.

What Congress didn’t do was spell out the guidelines for how much the new program would cost servicemembers and retirees in additional premiums.

In October, I reported that the Military Officers Association of America was warning that the actual premium increase to TRICARE beneficiaries who opt-in for the TYA program could be as much as $2,400 a year.

This was confirmed today in Tom Philpott’s Military Update, which reports that the projections for the annual TYA premiums being tossed around the Pentagon range from $1,400 to $2,400 ($116 to $200 a month).

Philpott points out, ‘Congress didn’t achieve for military families what was gained for other American families, at least on adult dependent coverage, through the Patient Protection and Affordable Care Act.”

Simply put, it’s going to cost military families who choose to enroll in TYA, a lot more to cover adult children than it will for most civilian families.

Read: ‘TRICARE Young Adult’ Won’t Come Cheap.

Comments

  1. Once again the military is considered the ******* children of society and made to pay more for something that every veteran was once told we would receive. I have no problem paying for this coverage for my sons as long as it is equal to what John Q Citizen is going to pay.

    • Ed, unfortunately it looks like you'll be paying more for less. TRICARE doesn't cover near as much for retirees as the civilian sector would cover in their basic offerings.

      • You know thats a crock! Do you realize that most civilian health care premiums are three to four hundred dollars a month for family coverage plus deductables and copays. I sugest you go to the nearestTRICARE facility for a briefing on your benefits. You may have some bad information. TRICARE has full comprehensive medical coverage. You are notwell informed ofyour benefits.

      • You are in correct, I am retired Navy and had surgery 3 years ago, I spent three week in the ICU and another 2 and a half months in step down care. Just the two hospital stays were over 1 million dollars tricare picked up the bill along with in home nurse for the first 2 weeks I was home. they cover far more then other civilian care. you better check your benifits

    • I agree with you 100% if the civilians can save money on health care for their children way can't a veteran?

  2. I'm confused – when were veterans ever promised that their adult children would have health care coverage? My concern is that the cost of coverage for people who never served will be passed on to those of us who did. Sounds like spreading the wealth to me. I have a suggestion for adult children who want Tricare coverage….join the military.

    • Vernon White says:

      Sounds great!! But my son is in medical school and has type1 Diabetes, unfortunately he can't enlist in the Military.

      • Agree. At what point in time do kids become adults and get a job and their own insurance. Another welfare entitlement to those that don't rate!

        • I agree, how about those kids how can not work because of a medical issue (epilepsy) he can't get a job bewcause he can't afford the medication to keep his siezure under control ans SSI saids that he is not disabled enough to qualify for medicaid or SSI

    • Gene, I both agree and disagree with you. I agree that everyone should do their part and give back to their country through service. However, I would like the opportunity to provide health care coverage for my daughters as they go through school. If they elect not to go through school I'd opt to tell them to find a better option than TRICARE. They can get better coverage for less. As a matter of fact, I'd rather spend a little extra through my employment healthcare than the amount they are proposing for TRICARE, at least I know it would be accepted everywhere and TRICARE isn't.

      • Your daughters are covered until age 23 if enrolled as fulltime students.

      • I'm not sure where you go I have had little problems whith Dr or other type of care. check with your benifits advisor

        • If you are former military and don't live near a base, then coverage is iffy. I have to travel an hour to find a doc to accept our coverage. A retired military friend has the same problem, and often docs require that you sign a waiver allowing additional charges over what TriCare authorizes. It is all about where you live.

    • Gene, the point is that since coverage to age 26 is now the law of the land, how does the military provide that to our dependents? Frankly, you don't have to worry, from what we see, the cost will be laid right at the door of the impacted family, not on the Tricare community as a whole.
      Civilian families will pay very little extra for it. The military families will pay through the nose.

    • When a person makes the decision to join the military, children (and spouses) join, too. Though they had no say in the decision, these children often lose time and experiences with their military parent. This is a point often overlooked by that parent. As to the cost of coverage for those who never served being spread amongst those who did, this is no different than childless couples paying property taxes that fund local schools. Everyone deserves health care. The real question should be, when do we all get wellness care? Prevention is always less costly than treatment. When will this country learn that?

      • When I joined the Army, I was an 18 year old man. The last thing on my mind was retirement benefits. Most of us know that members of congress are there to serve themselves and special interests but I never thought I would read comments from retired military who seem to have the same mindset. I feel that I have been well compensated for my service – while I served and since I retired. When I compare my retirement benefits (and yes, I was enlisted) with those of my friends and relatives, I know I am well compensated and give thanks for my blessings daily. Do I want my Tricare costs to go up? No. Do I understand that it is going to be necessary for my costs to go up? Yes. I won't complain at all if it is a reasonable increase and is not spreading the wealth to cover people who didn't serve and are *adults*.

    • The extension of coverage for young adult children is part of the health care reform, so naturally the adult children of veterans should be included. Why should they not be, if it is available for civilian young adults up to age 26? And your smart ass suggestion to of joining the military is unfair for why should it be more expensive for young adult dependant retirees than civilian

      • Well put. Also, some "adult" children cannot join the military due to illnesses, ect. Some of those that cannot join Really Want To. The off center remark about join the military lacks merit without being further qualifid and with thought given to why shoudn't military (includes retiree) children be included in US law. There is much to be condidered. Some people will find it very hard to pay these premiums.

      • Excuse me, adult children of veterans *are* civilian young adults unless they are themselves serving! Please provide a definition of "young adult dependent retirees".

        • My children served just as I did. 23 years in the medical field as an enlisted member my husband also served 20 years. Every time we were transfered they also had to transfer. so, therfore they are not civilan. There are alot of young adults outthere who would love to my son is one of them but he has epilepsy, which prevents him from working full tim. What I am saying is do not stero-tyoe people. My pay goes to keeping my son alive for lack of better words.

      • I agree with you Roxanne.

      • Amen Roxanne! my daughter has a learning disability from a rare genetic disorder called PKU.. she has a "prexisting condition" so staying on our health care after age 23 (she has been a full time student so far) is very important for her. once a person gets off health care and there is a lapse in coverage… then you are in deep trouble. And because my daughter has this rare disorder.. she is uneligible for Military duty.. she has been in college but works hard as *** to maintain passing grades.. we work hard to keep her in school so she will never need to suck off of entitlements so many feel they "deserve" .. so GENE.. now what? you have answers for everything ? get your facts straight ..then lets talk!!

        • forgot to add… my daughter has to maintain a very strict low protein diet.. which costs alot to keep up with..and expensive special order products we get on our own dime..and it causes other issues besides just a learning disablity when the diet isnt maintained.

    • Eddie Lomeli says:

      Gene, You must be a late-comer, because health care for life for the member and his/her family was promised to us through the early to mid sixties. However, Congress yanked the carrot from us and as usual, we get the Shaft.
      If you never heard that, you must've come in wat after the mid sixties, but yes, we were promiised free meducal care for life, for ourselves, spouse and our children, although not to 26 years of age. I was told this during my first re-enlistment ceremony.
      I like your last sentence, yes, they can join the military. This way everyone is happy and they can benefit from the quick maturing process, that military life tends to promote.

      • If memory serves right, there was no differentiation between Medical and Dental at that time either. As time has passed by, remembering my snaggle toothed recruiter, maybe I should have realized I would somehow get the shaft later in life.
        Children who are able to qualify should indeed join the military. Some may even want it to be a career in spite of the way it is being treated.

      • I guess I am a late-comer, I didn't join until '67. I don't remember a family being discussed at all in any promises. I agree that I was promised health care for life but can't complain about the coverage I have when I compare it to my friends and relatives who aren't retirees. My biggest complaint is that I can't go to a MTF for routine care.

      • ArmyStrong says:

        The healthcare benefit is an entitlement earned by the service member, not spouses or children. If your recruiter indicated that you and your family would have life time coverage, then shame on him or her. That was not the end goal. All of the additional benefits through out the years have been enhanced to include spouses and families. For everyone that says they were "promised," there are just as many that will say they were never promised.

        I work for TRICARE, so please don't come back with "I don't know what I am talking about, " and I also haven given the ultimate sacrifice of my 21 year old son in this war.

    • SFC Gerald Wendt Ret says:

      I agree Gene. Since when are 26 year old adults: children??. Spoiled brats would be a better word. I had my first house built by the time I was 21. And Built it my self. I think at 26 they should be able to change their own diapers…

    • So Gene, what do you suggest in my case. I am on active duty now, I have two children who have a genetic defect that makes them ineligible to serve and also is a "pre-exsisting" condition which prevents them from getting insurance coverage. They are in college now. All was great up to age 23 then they are no longer covered by anyone unless they complete the degree and get a job that has a group plan that doesn't exclude their condition. What age 26 does is ensures they have the time it takes to get the degree and find the job.

      • Well said. Luckily, our child with a number of exclusionary medical conditions, completed the degree and obtained insurance coverage through a job just months after turning 23. During those months, we used COBRA @ $333/month and were relieved to have some option.

        The insurance issue affected what she studied, where she looked for employment, and will for the rest of her life.

      • Your children should be treated exactly like mine were when they reached 21. They were considered adults and were on their own. No additional benefits. They were adults and took on their responsibilities as such.

    • that is what I told my son

    • Gene – what exactly are you confused about it. Military does not exactly make a fortune and could not necessarily put their kids through college, but they worked harder than a lot of civilians. You take 2 retired military parents and their child is working hard to get somewhere, but all civilian parents can add their children on their health plan EXCEPT the military cannot add their own up to age 26…how is that fair? So someone making 100,000 and paying for their son in college pays 115.00 to add their child up to age 26. But the retired Navy getting 1400.00 a month cannot even add their dependent at this time, or an active duty person- whose child could be working their way through college and a part time job is excluded because he served in the military and they have to pay double to add their child? Then tell all the civilian adults to pay their own insurance also, right now ONLY military dependents are excluded from the new health care plan.

      • I worked hard all my life after I got out of the military, as an oil field roughneck, a truck driver and a Automobile salesman for the last six years. I never even came close to the 100,000 dollar a year you are speaking of. Most of you with over ten years of service make a hell of a lot more than I did. Quit bitching, you signed up for what you have and you will be given a retirement check after twenty years if you want to get out. That is a hell of a lot sooner than a man or woman at a civilian job will have after twenty years on their job.

        • cheryl , USN RETIRED says:

          but those civilian are not putting their life on the line everyday so you can do the work you chose We are not !@#$% we are stating facts we served our country and a lot of my brothers and sisters in arms gave their lives so that you can say what you want. you should have stuck it out, and at least you are alive and free to complain. I was raised Military and I served for 23 years along with my husband. We may have a retirement after 20 years try living on it.

    • Seriously? As if my children haven't sacrificed enough. They have been members of the military life since birth. It wasn't their choice to live like this. Now they should be denied or overcharged health insurance unless they join themselves? What is wrong with you? My husband is on his last stretch towards retirement, so I am not new to the military world. I have seen our benefits taken away one by one. If there are budget issues our pay and benefits are always the first to go. FYI – as long as I was in college I was covered under my father's health insurance program up to age 25 for the same price and that was a VERY long time ago. The military needs to come out of the stone age. Freedom isn't free. It's cost me greatly. It's too bad that there are selfish people like you out there who can't see this. You are not the only one "in the military". Apparently you don't appreciate the family members who support their military members. Just because we are behind the scenes doesn't mean that we don't sacrifice for our country. People are asking that military families be offered the same rights as civilians. Is that honestly too much to ask?

    • Some medical conditions such as poor vision, heart disease, and diabetes prevent joining the military as well as getting private insurance.

    • Good point.

    • Angel Sanchez says:

      I a retired disable veteran with a 18 daughter who lives at home and is going to college. TYA coverage is for veterans llike myself with a child who is going to college and cannot afford yet to live on thier own because of the way the economy is. On my fixed income, I cannot afford to pay for regular insurance for my daughter. What would suggest for me to do? Deny my daughter any health insurance while she is trying to better herself so she can pay for her own insurance.?

    • I agree that the age of 21 yrs old is a perfect cutoff for Tricare bennies. If my kids want to go with the age of 26 then they can pay me the premiums, but I rather have them get their own Insurance since they are Adults now.

    • Your right why should kids get a free ride with our medical coverage when I was 18 I was out working and getting my own coverage once again were pampering a generation at the risk of losing our own coverage due to the high costs of tricare. Enough is enough!

    • Well some of them can't join the military and for the reasons that parents of these children are trying so hard to get the same healthcare coverage as their civilian counterparts, medical reasons. We as military parents deserve for our children to be covered for the same amount of time as our civilian counterparts.

    • Would you make an exception for disabled kids over 21 who cannot support themselves? I appllied to DFAS for Tricare assistance for my sone and was rejected even though he met the criteria.

      • If they are disabled they will be put on Medicaid.

        • I beg to differ…my daughter has a disablity that just isnt covered by medicaid.. but she has a major learning disabilty.and health issues not severe enough to qualify..but deblitating enough to need some help and special medical foods.and its caused by a genetic disorder.. she falls thru the cracks.. its not so easy to get on Medicaid .. you think so Dee.. but we are honest and dont "work" the system like some people..i intend on helping my daughter get a good job that will help her stay off public assistance …she works so hard in school… and i pray she can take care of herself without my assistance.

    • While I agree with you that adult chidren aren't guaranteed coverage, some adult dependant children can't join the military due to medical reasons, are still in school past age 23, or, don't make enough money to afford insurance on thier own. Please look at the big picture, before you make your comments.

    • I agree, if they qualify. My daughter has Crohn's and therefore not a candidate for military service. She is currently enrolled in a mastors degree program and 24 years old. As soon as she graduates and finds and employer that has an employee health care program,she'll gladly join,but what about the time in between? Do a little research and see how much the treatment for a severe case of Crohn's costs, then put yourself in my shoes and walk a mile.

      • Kevin, those people like Dee that have the perfect life..with perfect children..just dont understand… our kids have issues that arent severe enough for medicaid..but dont qualify for the military because they have prexisting conditions.. are now trying to find a way thru the mess called health care.

    • Health issues may not allow some adult childen to join.

    • Absolutely, if a young adultsneed coverage, they can join the service and earn it. Unless there is a major disability, parents should expect that their children grow up and get a job! If not by 26, when???
      If the "child" is still in school they ought to be paying for it themselves by then!!!!

    • As a spouse of an active duty soldier and the mother of a seven yr old who has had four open heart surgeries with more to come I support this action. I worry every day that he will not be able to complete college with out proper health care coverage. Yes my job is to take care of him for as long as possible considering he will probably he will need a heart transplant by age 25 or so. If he had the opportunity to join the military I would definitely push that issue but he do not have that luxury. So those of you who have healthy kids take it as a blessing and sympathesize with those who don't….

    • Maybe we were never promised our adult children would have health coverage however when civilians are able to have their children on their health care plan why is the military being exempt? The children of retired military are being treated unfairly just because their parent/parents were military. That isn't right. Military children are in the same boat as civilian children right now—if one gets it all should!

    • Jim Ralston says:

      We are just asking that military children be treated the same as civilian children until age 26. We are not asking for anything special, just don't discriminate against us because we served in the military. My daughter will be working a job that does not have health benefits, she is not lazy.

    • Just for the record, I am a 20 yearr old female who tried to join the military. I have had 2 shoulder surgeries due to being an over active athlete so young in life. I was about to sign my papers, at age 18, when they decided my shoulder was too much of a "flight risk" to let me join. So don't think it is so simple. I have applied for every possible way to enroll in college so I could have (healthcare) coverage to get my shoulder fixed. Perhaps you should think about other people who have tried every option and simply have no other choices.

    • Diana Pennington says:

      That's easy for you to say…have the child join the military. My son wanted to join the military, but contracted diabetes and kidney disease his senior year in high school. So he will be turning 23 next year and will have no insurance to cover his many specialilsts that he sees several times a year….not to mention the supplies he needs and the insulin that he has to have to live. I know that he can't afford the $250 a month for Tricare.

    • We are paying nine hundred dollars every three months so this is a lower price and I am sure they used this as the Tricare Continued Benefit Program they offered which is actually a COBRA program, so no help here.

  3. Gene, I agree with you 100%.

    • Not everyones children can find full time work where they can receive medical insurance. Right now we are paying over $600 a month in extra insurance so that our 2 young adult children will have coverage until they can hopefully find full time jobs. Right now they don't even make enough to live out on their own. I understand everyones frustration with this situation. It is hard on all of us. Not all of our children are eligible to join the military either because of health care issues.

    • msmadness says:

      I think the point being made is that civilians can expect a lot lower cost to add their adult children. Ed Becher didn't say he should get it for free, but why is TriCare charging many multitudes higher than what private coverage is going to charge?

  4. mary Dronkers says:

    My point exactly. If a member wants their ADULT child comvered to age 26, have thempay for their coverage, maybe tha would change their mind. I don't feel it is fair that members that either have adult children that do pay for their own insurance, or members that may not have had children andNOW have an increase in their Tricare to cover the lazy ADULT chidren that should be either in college,or working and be paying for their own insurance. I don't feel that the above members I'm refering to should have an increase in their Tricare because of LAZY americans that take what ever they can and want for nothing. Soon why stop at 26,why not pay for their insurance till they are on medicare…WHEN is it going to stop. If our elected ofiicials don't wake up and put a stop to this, and this is just the beginning of Socialized Medicine…as our current President put it….Share the Wealth, this is not why I served 20 years……..

    • What a wonderfully confused post.

      If you have no adult children, your rates will not go up for adult children coverage.

      The point of this issue is the disparity of the increased cost of coverage for adult children between service members and the general population. It certainly appears to be a significant penalty for service members when compared to non-service members.

      I'd like to see a comparison between military and just regular federal employees. Before you go ragging on lazy military brats, you might want to look at federal govt employees in general and see who is footing their bill.

      • And more disparity – Unlike their civilian counterpaorts, to quality for TYA, young adult children of service members can't be married or have access to employer-sponsored health coverage to "pay" for this benefit.

    • I have to agree about age 26 that is really pusjing the limit Obamacare doees that make insurers keep 26 yr olds on parents insurance, wtf? I can see like mine in ful time college paying here own books fees, but va stipend to age of 23 max but after that if they are not employed full time or are unemplyed should know that they can get housing, medical, assistance from state county etc, if you get there before all the illegal julio's and their anchor babies, i have seen it with my own eyes. You money isn't paying for our own people it is paying for a bunch of illegals for free dental. medical and food so go after those programsd not military families/

    • Mary
      I agree with you I am a disabled vet and my lovely wife whom was never in the military, so I purchase the family plan so she would be covered, I know several retired military that also get a huge disability check with there retirement and they have small children most have 2-3 and I pay the same as they do. Not fair some private sectors break down the insurance single married w/children single w/children some also go down to the number of dependents thus the most fairest way.

      • I agree. Everyone should pay their "fair" share. I retired with almost 25 years and NO disability. I was shocked to learn what the VA considers a "disability". Sleep Apnea? Acne? If the system is broke and we are the one's breaking it how can we complain.

        • Call 1-800-CRY-BABY

        • Actually, unless your disability is rate at 100% (hard to to, regardless of what everyone thinks), then you don't get medical coverage for the family if you didn't retire from the military. For those that served, but didn't retire from the military, their ability to support their families was impacted when injured during service. Try to find insurance for the family if you yourself aren't insurable.

          ChampVA is only available if the vet is 100% service connected, but you will have a hard time finding anyone who takes ChampVA except emergency rooms and urgent care centers tied to major medical facilities.

    • To lump everyone over the age of 23 into a lazy American category is very narrow minded. For so many Americans the issue is not access to insurance, it's access to affordable insurance. Bottom line, if it is affordable for civilians it should be made affordable for those eligible for Tricare.

      • I agree with you wendy. Most of the posts above yours are poorly written and hard to understand so I may be misunderstanding, but im willing to bet that all of the people who said Lazy dependents and they are mooching, are morons. First off, im a 21 dependent and father of two, who works for the government. I know that civilian health care and health care through my employer are both too expensive, so if i can pay less for the same coverage im gona go for it. Lazy? no im just intelligent…

    • I have a 23 year old son who was drop from Tricare two years ago, but I'm still paying the same price. So why do I have to pay so much now.

    • Ms Dronkers if the law says that something must be done does that law exclude the military?

    • Mary,
      Adult children going to school does not have the option for affordable health care. These are the future leaders of America. My daughter is finishing her degree and was just taken off of Tri-care because she turned 23. She has 1 more year of college. Are you saying she should stop going to school to get a a job that provides insurance benifits? If the new health care law provides insurance to children on their parents insurance then why not Tri Care? I do not mind paying a higher premuim. But really where is the benifit of serving your country if we do not receive the same options as the public?

      • Kevin you're right and unfortunately the people opposing these medical ammendments are morons and don't care about anyone but themselves. Their selfish responses speak for themselves.

    • Mary,
      Thank you for your kind replies to the servicemen and women who give you the right to speak you do.
      I have a child who is currently going to college and will be able to support me because the government is not willing to hold up their end of the bargain. We have serve this country for 21 years and my children are not lazy.
      I suppose you are one of the LAZY AMERICANS that have lived off of welfare and the government your ENTIRE life and now what the government to support you and your LAZY family in your retirement.

      Please don't attack us if you don't want to be attacked back. You have no clue how long I have lived under the poverty level trying to support you and your rights to free speech. Make sure you know the facts before you go talking about YOU want and believe……

      • Yo, Mary was active duty as well and has every right to speak freely. I believe what she is trying to say is that children that age should be in college or working, not sitting around sucking on mom/dad's generosity.

        Hello Mary!! hope all is well.

    • My Daughter has been working her way through college for 5 years to get a 4 year degree. She HAS to work to live and has been going to school using student loans. There is a terribly flawed system that she gets no financial aid other than the student loans, no real tax relief, nothing. Her Father retired after 20 years in the Air Force. She is now 23 and has no health care, God forbid she needs it. We take care of whatever bills we can but there is another child in college… She is not LAZY. She works as a waitress 5 days a week and takes 3-4 classes each semester, each class meeting twice a week. To satisfy her student loan status she has to take classes that don't pertain to her degree, thus making this 4 year degree take 6 years. If her counterparts of civillain based parents can get health insurance for a fraction of what hers will cost, then there is a flaw in this system. I can get her separate insurance for the same cost as what the proposed cost of the Tricare Retiree. But we cannot afford this. Shame on you for "assuming " these children are lazy.

      • I agree fully Gail. These children are not LAZY! I have two daughters that are in college working on thier Master degrees. Both of them has part time jobs and are doing everything they can to get ahead. I do everything I can to help them succeed in life. I would like to be able to provide them with Healthcare insurance through Tricare. I do not think 26 is too old to be covered under me especially since they are not out parting thier lives away; they are doing the right thing. I gave the Army 25 years and still serve them as a DA Civilian. So for Marry Dronkers to make this blanket statement that the children are LAZY is absurd and most likely reflect the character of her own children.

    • How dare you call adult children trying to work their way through college and work at the same time lazy. Its not that they don't want to get medical insurance but when your working a part time job, trying to pay for college which is 10,000 to 20,000 dollars a year, pay for rent, books, gas, grocery, car insurance, and utilities how is someone working part-time suppose to pay for all of that and high priced medical insurance? I think adult children who are full-time students and working and have parents that have served in the military deserve some help. I guess all those people out there that don't work, won't find a job because they are committing crimes like selling drugs and running a muck deserve my tax money to pay for their medical care, food, rent and all the kids they want to have. Thats lazy and our government keeps handing it out to people like that. My husband served his 20 years in the military and so did i and his kids. We also still work full time jobs so our boys can go to college.

    • Dronkes what you're saying is completely unnecessary. I am an adult child and my father served in the military for 21 years and when I turned 23 a few days ago I fell off his coverage. As a "LAZY" 23 year old still in college (graduate school) I unfortunately am not making enough money to pay for my own health insurance. Same goes for plenty of other "LAZY" adult children who are still working on their education. And if civilian families are able to reap the benefits of the coverage till they are 26, then why shouldn't military families? I appreciate your 20 years but I think you should be a little more open minded on this topic.

    • Not a member of LAZY adult children when taken in context of children still in school at the university level and not employed or a member of the workforce YET. I agree that when a child becomes independent, they should be responsible for their healthcare expenses, but this is just an extension osf healthcare for those attending college full time.

    • Hates_Stupidity says:

      Mary you must have been an Army supply troop, because you are as dumb as a box of rocks. The current system only covers dependant children to age 18 unless they are enrolled fulltime in a degree program. If they are attending college fulltime coverage is extended to age 23. At 23 they are dropped regardless of graduation status. In my sons case he just turn 23 but won't graduate until May. He works part-time and has since he was 16. His class schedule makes it impossible for him to work fulltime and the last time I checked most employers won't provide part-time employees with any benefit opportunities.

    • so let me get this right you THINK all young adult are lazy right because WE can now still be covered under our parents health care.
      let me tell you. i am 22 going to college full time, paying for it OUT OF POCKET, yes my own that i work my ass for. i have no help to pay. i live on my own and pay bills and taxes just like you. think before you speak.

      if you hadn't have served do you think you would have had that easy of time getting covered. let me tell you health insurance is pricey here in the real world. if i wasn't under my parents coverage i would not have health insurance because i can't afford it and that is with working 2 jobs, looking for a third and going to school. so do the RESEARCH BEFORE OPEN YOUR MOUTH.

    • Another thought from someone who served 30. Young folks stop volunteering…Bring back the draft and see how the free public feels. How many times did those civ jobs require you to leave your loved ones? take an oath to defend at all cost? come back wounded etc? Bottom line those who choose to defend, give up a lot of freedom acts to do so and so do their familes…you damn right they should be compensated. Shame on us! The young troop and their familes suffer while deployed and their counter part at walmart earns more.

    • Retired Vets says:

      I served my country just like you did Mary….however, I do not have a problem with SOCIALIZED medicine because WE (my husband & I both) as retired veterans receive it every year—it's called TRICARE standard or if you want to pay a premium $460/year…its called TRICARE Prime…it amazes me how folks want to criticize socialized medicine but they receive it themselves…regardless of how we got it (serving our country) we GET it.
      Guess what when you get 55 or 62 guess what you get Medicare and that too is SOCIALIZED medicine…so if you don't want it then tell the government to cancel your policy. Second…all kids after age 21 are not lazy…many are in college til age 23 and some even til 26 if they are pursuing medical or PHARMD degrees like my two children who because of their rigorous demands the school does not recommend them to work so if we can cover them til age 26…so be it. We don't have a problem with covering them 3 years longer and paying the additional costs because they are doing the right thing and are NOT lazy young adults.

    • My, what a misinformed and silly person you are Mary Donkers. The current bill extended the care to all except those under TRICARE because TRICARE is a benefit and not health insurance. No one is paying increased care except for the children (young adults) that would be covered under an extended TRICARE. Other forums can cover your politics and whether or not it is the military in which you served 20 years. Come back again in 20 years if you want to post as an adult and not as a political hack.

    • Mrs. Lindsay says:

      gimme a break! My husband served his 20 years..and so DID his children! We HAVE a 23 yr old that graduates this spring and continuing on to her masters that will take all of her time, and will not be able to have a job due to this degree. She DESERVES to have this health care! Stop trying to blame the children that ALSO served with their parents by the constant moving and changing schools to help support their father. Does anyone really think about what they went through also? Constant worrying about their parent. Are they safe! I remember countless nights calming them down and trying to put them to ease. Always asking where their Daddy is. Then lets talk about the moving! Has anyone thought about how hard it is to up-root them and put them in countless schools and worry about if they will fit in, or even pass that grade or graduate because they don't have enough credits for the new school because the other school had other requirements. Come on! I am a Navy Brat also, so I relate so much with what my girls went through. And you know what I feel so guilty of? All that moving around made it impossible to have good and lasting friends! So…LAZY? You absolutely missed the point of this heath care for older dependent children that helped serve our country

    • My child has worked diligently at school graduating college at the top of his class. He chosen field is law and is attending Georgetown Law. He will bring much to our country that he and our entire family love and serve. Our goal, and responsibility, as his parents is to get him to that point without the "system" ladening him down with years of debt. Ending his health care coverage in the middle of his education has added to the burden of our responsibility. Thankfully we can afford it but what about those who can't? His age group has the least amount of medical expenses and represent the lowest health risk, so why laden them with more debt before they even get started?

    • Mary,

      I am sure you don't have any children in college or you would see things differently.

    • cheryl , USN RETIRED says:

      stero typing is wrong, don't judge lest you be judged. you need to walk a mile in their shoes. My adult child has epilpsey and can not get a job because he can't keep his seizures in check. He can't afford his medication and we don't always have it. sure there are drug company that help with this cost, but first you need to go to the doctor, again no money. Check the cost of a neuroligest

    • What about the adult children who just graduated from college and can't find a job???? Our youngest daughter graduated in June at the age of 22. That was the end of her coverage under Tricare. She started looking for a job early in her senior year, talking courses in how to interview and find a job in a bad economy and still can't find a job. She is anything but lazy, having worked all through college, infact, worked since she was 14 years old. So now she has no medical insurance and we pray every day that she doesn't get into an accident. My husband served 30 years and but his life on the line for his country more times than I'd like to think about. As a reward for this, our child is treated as lesser of a citizen than the children of people who never even considered servicing their country because they'd rather stay home in their cushy jobs making three times as much money.

  5. I believe it would be reasonable to let a college student up to age 26 have Tricare coverage. Even if sponsor is active duty or reserve. They’ve earned that right more than their civilian counterparts.

    • I agree with you on this. If a chikld in still in college full time after teh age of 23 I too think they shoulod still be aligible for TRICARE as well as the other privilidges they had before their 23rd birthday.

    • no they didnt. their parents earned the right to have them covered until they are a legal adult. they have earned nothing and should get just that.

      • while I agree that the parent earned the right for them to be covered, I feel also that the child did too. The parent is not the only one going to war, we all do when we have to sit here and wonder what is happening to our soldier husband and father. My daughter is 19 and has dealt with deployment time and again and is now off to collage. If her schooling lasts longer than her 23rd birthday, I think she should still be covered.

    • True the parents may have earned the right to Tricare,,,, and as their children they should have the same options as the civilian sector but…. if they want to keep them on their insurance God bless them!!! That means that THEY should be footing the bill for the insurance, not someone who isn't using the TYA program. So if it costs them 2000 a year they will deal with it, the "kid" will sooner or later pass the age of 26 and then they can pay what the rest of us are paying. Unless someone gets the stupid idea that we should all pay for it.

  6. In previous message I meant retired veteran.

  7. Bruce Almich says:

    This is confusing because there already is a tricare extention program available through a separate insurance company for 36 months for children (and divorced spouses). The cost is currently is $900+ per quarter so the $200 a month for TYA would be cheaper.

    • The extension program, COBRA, ages children out on their twenty third birthday. You are correct, the cost is $333 and change/month.

    • So when my divorce is finished I have to pay $300 dollars a month because my spouse left me after 30 years of marriage due to PTSD. I don't qualify for half their retirement because they were only ACTIVE for nine of the 30 years. The other 21 years were spent trying to hold on to a disintegrating marriage caused by military service. My spouse gets 100% of their retirement AND I get no medical benefits. As a man I expect to work for a living, but I don't get medical on my job and am at an age where I need to take certain medications daily to function well.
      That said, I too agree and disagree with Gene. My son is handicapped and was injured by a military doctor. He was dropped by DEERS and because he has a trust receives NO compensation from the government. He has been classified as a helpless child since he was six (29 now). We have to pay cash for insurance for him and he is considered pre-existing condition.

      • I totally feel your pain. It really isn't fair. I am going through a similar thing with my husband. We have been married 20 years. He has been in the airforce 17 and a half years. He doesn't wish to be married anymore. I helped him through school, by working and taking care of his three kids. I could never finish school because we moved so much. There is nothing I can do. I will be with out medical insurance. The state we are living in doesn't get alimony so I could try to complete my education. I love my kids and will do my best to take care of them, but it's really hard without an education. I just thought I was doing what a wife does, support your family. I never complained, because I always knew i'd get my turn later. God Bless You

  8. College students generally have excellent group health insurance coverage through their universities for a minimal / semester fee. My daughter's was $40/semester and it was great coverage.

  9. Veteran & spouse says:

    I believe all Americans should be treated the same period. I am a US army veteran married to a Disabled Combat Veteran who also retired from the military, and from my experience, those who serve always pay more for everything than civilians. Veterans bodies take an unusaul beating during military service, and many times their families suffer health and mental issues from the type of lifestyle too. i just ask that it is the same for all.

    • Sorry, I would have to disagree with you. I am a reitired 20 years US army. My husband 22 years. I made a decision to serve my country in 1978. My neighbor (and classmate) decided that smoking pot and having babies were her priority. I'm sorry but NO, she should not get the same benefits as me! This is my benefit. This is my entitlement. This is not Health Insurance . The world does not owe you anything. Thank You for your service to our country.

  10. When will the new coverage be available? Even at $200 a month it is cheaper than CHCBP, which we have ha to use before.

  11. We have adult children and won't be covering them through this plan. Mostly, because they are all full time college students and can pick up healthcare through their schools for half the price. I feel the age 26 deal is ridiculous as most young adults should be able to complete their college well before this age. I feel what would be fair would be to cover all young adults as long as they are full time college students. After that…they are on their own…..

    • well if they just want to get by they will be done with college, or if the family happensd to be fairly wealthy or well off, but those of us that have limited income and little or no savings cant pay all at once, or if they decide they want to go on to PHD masters doctorate that means they won't finish until almost 26 or 30

      they are all covered as long as they are full time students to the age of 23 yrs old at the present time

    • how about children that go into the military get hurt or just do there time go to college but are not working were can they get insurance that is affordable? But there counter parts are covered under thier partents plans but not if you are tricare.

    • Brat myself says:

      Have you heard about the 10% unemployment in the country? I hope the situation improves prior to your full time college students start seeking employment. Ours graduated in 2010, and has type 1 diabetes. Should we turn her out on her own?

  12. The civilian is likely already paying $500 to $900 per month for his own family coverage. The military person is not. Additionally, I believe that after 22, the kids should be paying their own way.

    • You better look for cheaper program I have seen full health care for $500 600 a year for families most expensive was $1200 a year. check kaiser permanente or blue cross blue shield, also the military pay is not on par with the civilian sector, only saver is if eligible for on post housing, now have to pay their housing allowance to private housing contractors on bases. so they should pay nothing for health care but if you want family cover you must pay tricare prime out of pocket, military families are just at poverty level pay or just above unless you have been in years and years and have made rank. your statement does not pass muster

    • I guessing, You probably don't have any kids, right?

    • Brat myself says:

      Have you heard about the 10% unemployment? Are you aware that someone with Type 1 diabetes can only purchase insurance through a high risk pool that currently exists only in a few states? Are you aware that the wording in the policy available in the high risk pool that does exist in VA states the insured is not covered for the pre-existing condition until they have gone without treatment for it for 6 mo? Do you know how long a type 1 diabetic can go without treatment with out danger to life, sight and limb?

      The kid is paying her own way. Not all of our kids are as fortunate.

    • Jody Soldier says:

      We earned the medical benefits. Most civilians do not put their life at risk like our service members do. Have you watched TV lately?

    • Unfortunately, my 23 yr old college graduate got a job and works very hard, but the medical job she has, does not have health benefits and doesn't pay well either. We have no choice but to help her out. She has a BS in Psychology , a BS in Chemistry, and a BS in Bio-Chemistry, but competition is tight and no one is hiring. I am a disabled military vet with less than 10 years service, who is divorced, not of my own volition, and her dad retired. It costs me almost $2000 a year to cover me and her for private insurance and still have to pay 20% of services and high pharmacy bills. She would gladly pay her own way if she could.

  13. kathleen lauder says:

    Everyone is forgetting about the mentally disabled. I have a son who is 24 years old. I am military retired serving 24 years. My son is under me in tricare prime. Are they going to make the mentally disabled pay more. I think that is totally unfair. Kathleen

    • Kathleen, I like you also have a disabled son( will be 21 in Nov this year )who is currently still in the local school system here in texas until age 23. How did you get your son Tricare Prime after 21 years of age? Any information would certainly help me as no one wants to really say what we can get for him as far a coverage goes.

      • I am in a similar situation with a 22 y/o daughter. Since my daughter is in the Exceptional Family Member Program I was able to work through case management at my local medical group. It was a pain, but ended up being well worth it. I was able to get her extended for 2 years with the option to reapply at the end of the 2 years.

      • Theresa Edwards says:

        All you have to do is get a letter from his PCM, go to the ID Office and tell them you need form DD FORM 137-5 (DEPENDENCY STATEMENT. INCAPACITATED CHILD OVER AGE 21) (it is 5 pgs long), then a copy of child's birth certificate, you also need DD FORM 1172, and your/or sponsors notarized signature on the forms. Send or fax them to this address:
        DFAS-Indianapolis Center/ATTN: Director of Military Personnel, Special Assistance Division,/8899 East 56th Street/Indianapolis, IN 46249-0885/ FAX# 317-510-1084/ you can call this division at 317-510-1616/1617/1621 or 1630 (DSN699)

      • cheryl , USN RETIRED says:

        exceptional family member, If your child is hapicapable( not misspelled) and can not live on there own they are elegible for tricare prime.

    • I agree with you 100%! My child is epileptic!

  14. angela fortenberry says:

    covering young adults was all part of Obamacare. I'm not sure anyone needs that, but if it is offered to civilians then the cost shouldn't be anymore for veterens.
    angela

  15. I retired six months ago and just found out that I now have a $3,000 Tricare deductible. Add that to my 23 yr old college son's premium and I am paying $6,600 a year for my 41 years of service. Not what I would call taking care of the military.

    • I agree, Once again the Military families get *&^%$d
      There are reasons why a 22 or 25 yr old dependant needs coverage, who is not in college. We are Military for a reason, all the deployments and the B.S we endure and now…………Hey lets pay a chunk outof pocket for a premium. In case you dont know, Military pay is not that of what you would think. pay is crap and we risk our lives. The least they could do is continue our insurance coverage if needed.

      • if a 22 or 25 year old is able bodied and compitent, their is no reason for further coverage. he/she can get their own coverage, or do without. cut the cord, make them responsable not dependent.

    • 41 years in the Reserve doesn't count

    • I'm not sure who told you you had a $3,000 Tricare deductible, but you need to (a) find a knowledgeable Tricare representative, and (b) beat the person that lied to you. The highest deductible you'll ever have is using the Tricare Prime POS option where the deductible is $600. Would you happen to be lumping the cost of your Tricare supplement into that?

      • There is a $3,000 catastrophic cap. Maybe that is what Capt H is referring to. At that point, if he has paid 3k out his his pocket then all others health costs are 100% paid

    • OK, First of you all you do not have a 3000 dollar deductable. You are misinformed. The 3000 is the max amount you will pay out of pocket per year. If your are on the TRICARE standard/extra program you pay as you go at either 20 or 25 percent depending on if the provider is netwoked or not. If your out of pocket reaches 3000 then TRICARE will pay 100%. You start out with a 300.00 family (three hundred dollar deductable) and then pay as you go at 20% up to 3000. TRICARE standard offers the most amout of flexibility and does not require referrals. Your otheroption is TRICARE Prime. Prime is managed, you are assigned a Primary care Dr and require authorization for specialty care. Most of your copays are at 12.00 per visit for civilian care. Please let mek now if you need help with your TRICARE benefits as I actuaally work for TRICARE and can help you understnd your benefits.

    • With all due respect sir….you need to look at Tricare Prime it's $460/year and no deductibles. It's what we utilize and my family has benefited tremendously. If you choose Tricare Standard with no annual costs–then you are required for the co-pays and annual deductibles and that is fully explained by Tricare representatives.

    • cheryl , USN RETIRED says:

      Are you using TRICARE standard because TRICARE PRIME have a yearly premium. There is no deductubles, and co-pay's for drs and prescriptions. I doubled checked on the annual premiums they are $230 for individual and $430 for family. I don't know what region you live in. but you need to check with your benifits advisor. I think you are mistakening the $3,000 is the catistrophic cap. If you reach that during the fiscal year then you pay no copays. This was one of my many job during my last tour of duty. retired after 23 years could not advance rank frozed for about 4 years. they waved that carrot to me.

  16. With what the active duty military is being paid today, they should also have to pay tri care premiums and that would ease the burden that congress is trying to pass off on the retirees by raising premiums. If you choose to add your adult children, then it should be equal to the civilian side.

    • dont know what planet you are on they do pay for TRI CAre Prime, I am retired and should be able to use any military med facility on space available basis but try to get in to any army hospital you will be told theyu do not see non tri care prime patients. I apy almost $100 for medicare part B along with every other ssdi recipientn and you cant tell mne that program is going broke. active duty do pay for their family members.

    • Just my opinion, but considering what the military does to keep this country free they deserve what they are paid and quite frankly probably deserve more. The question here is whether a military member or veteran should have to pay more than their civilian counterpart to insure their child through age 26. Seems to me the answer is quite simple, NO. If civilians are insuring their children through age 26 for a nominal fee (i.e. $62 a month or whatever I read previously) then the same fee schedule should apply through Tricare. Justify the fee schedule being higher for a veteran's child! I don't think you can.

      And a final thought, if you think military pay is so great how about you put on a uniform and serve. Just a guess, but I bet you are either a mouthy disgruntled ex-spouse or a tree hunging liberal that's never served a day.

    • I totally disagree with you. Active duty folks put their lives on the line every day, 24 hours a day. It's tottally rediculous to even suggest that. I am retired Air Force.

    • cheryl , USN RETIRED says:

      aparently you havn't checked the pay scale.

  17. I think Clinton only signed the legislation after a law suit by Colonel George "Bud" Day, USAF (Ret).

  18. Ouch….just when we were adding new insurance to my husband's paltry "separation" amount…and now this….what the heck, who needs insurance on your husband right? $200 will put us in deep crap financially…i'm disabled…can't work…and didnt realize I needed to apply for disability immediately…if you wait until you are sure you can never work, it's too late.

    • You can file for social security disability any time just be prepared for a fight, lady told me when I first applied 9 out of 10 get turned down, just appeal, if turned down again appeal and then you get one of those social securtiy lawyers and go to administrrative law judge and he rules in your favor if documnet support disability. You will not be paid for the first 5 months after you apply so they know you are disabled and not cured I guess so you lose 5 months of benefits, but they have to pay you retroactive to date of disability claim. don't give up it is your money not the governments!!!

      • The law actually says you do not get paid until the 6th month after you have been determined that diability began for Title II claims (those who have worked and therefore been insured through a 20/40 quarter calculation whereas those who have never worked are paid effective when disability is determined, although the amounts of payment differ rather significantly. The statistical number of those denied disability on initial claims is closer to 67%.

  19. Most of young adults should already be out on there own by now. If they are still in college then ok they can stay on Tricare but they need to prove that they are still in school every year to remain on Tricare and when they are finished with school then they need to get a job and they come off Tricare.

    I think we need to look at is what they are going to do with Tricare for retired military. Sec Gates wants to rise what retirees have to pay. What I think
    Sec Gates need to look at is what we receive for retired pay and for some of us that we only get half because your ex get the other half plus there is a difference on what a retired officer get compared to a retired enlisted person get. To me it looks like they want to take away everything we where told we would receive it we stay in for 20 plus years.

    • why are you so bitter i agree with some of the things but if your children that are still young and working cant afford insurance this will make it easier and cant afford school either its rough i now two of my young adults children cant afford it and one is to old to get from tri care .

      • I am not being bitter I am just looking a facts. Are you willing to pay more for your Tricare. I don't know if you retired as an offiecer or enlisted. But as a retired enlisted I don't get that much of a retirement pay after 20 yrs service. I know that I do not want pay more money out of my small retirement check for higher Tricare costs. That just me. You need to do what you have to do and I am going to call my congressmen office and let him know that Tircare cost should not be raised for the military as we served at our own free will and that they need to honor what we are suppose to receive after 20 yrs of services. Maybe Sec Gates needs to talk to the retired military who have children that need health care and let them remain on Tricare until age 26 with no extra cost to the retired sponsor.

    • THE ONLY THING SEC GATES WANTS TO LOOK AT IS HIS OWN PAY CHECK AND HOW HE CAN KEEP IT. I WOUNDER HOW MUCH HE PAYS FOR INSURANCE. I'M RETIRED ALSO AND I'VE HEARD FROM MANY THAT ARE RETIRED THAT ONCE YOU RETIRE THEY ARE DONE WITH YOU.

    • Brat myself says:

      Learn from the WWII vets. They were smugly asked if they got it in writing.

    • Where are the jobs for a 24 yr graduate student to be able afford his own housing these days or insurance? That's funny, please help us with that! We would like to see him on his own and sooo would he-NOT LAZY!!!! I am a Gulf War veteran married to a retired disabled Vietnam veteran. Currently, a household of four with three unemployed working adult. And our other son, 21 yr old is still in college and we are challenged with staying healthy and avoids seeking medical or dental care. WE can,t afford dental care. We have been good stewards of our finances as veterans. So tell me……

  20. I got news for all those vietnam vets the government wants you to die or just go away so they do not have to pay. There are vets including my brother that spent 2 yrs as crew chief and door gunner on marine helicopters up at quang tri, phu bei, marble mountain, all along DMZ exposed to agent orange shot down, medevacs, toop inputs extracts won Distingushed Flying Cross for exposing himself to enemy fire leaning down rear ramp on CH 46 and dragging recon guys up and throwing them over his shoulder into aircraft, having bullets whiz by his head, suffered from PTSD of course they did not call it that back tehn you were just a nut case. he has records of counseling with va psych guys from 72 they are trying to make him and others wait and jump through hoops, hoping they die or give up.

  21. OK…Maybe I'm missing something here, but aren't adult children currently covered by Tricare up to age 23 if currently enrolled full time in college? If so, then this new TYA covers those after they turn 23 up to age 26. Or does TYA start at a much earlier age?

    • This is a good question from Omega. Will TYA kick in at 18 or 23?? If it kicks in at 18, then we're in big trouble. I have two college student children under age 23, full time in school. Right now, they're both on Tricare Standard and it's manageable. If I'm forced to pay $5000 a year, I can't do it.
      Not sure if the country will be able to last another 2 years until we get a regime change.

      • D.McKinney says:

        It should kick in at 23 since dependent children enrolled full time in college is covered until the age of 23. Kids not enrolled in college is covered until 21. I have Tricare Prime, and I'm retired. My oldest was no longer a full time student when she turned 23 and was dropped. My middle child is almost 21 and will be dropped from coverage if she doesn't provide proof she is still enrolled as a full time student. My 19 year old son is still covered until he either enrolls in college full time or enlists. Personally, I'll not be covering my kids until 26 even though the economy still sucks. I won't be able to afford it anyway since my E-5 retirement is paltry and I'm receiving 50% VA disability. Wish I could do more for them, but I can only do so much, and the government is making sure my hands stay tied.

    • Brat myself says:

      Correct, curently adult children are covered by Tricare up to age 23 if currently enrolled full time in college. Currently, they can be covered for an additional period, I believe 24 months, under COBRA to the tune of $333 plus change/month.

      There is also the challenge of unemployment. If not a full time student, there is no coverage after 18 currently. And while I agree with many of the comments wrt children supporting themselves, who will tell an unemployed 24 yr old with cancer that they should pay for it themselves?
      Medicaid?

    • TYA option will start when a child ages out. If they age out at 21 (because they are not in school)then TYA is an option. If they age out at 23 (because they are in school) then TYA is still there aand an option.

    • It'a only if the child is in college. If the child is not, they are not covered at all. The new bill will cover them until age 26. I'm retired and I have a disabled son and no private insurance will cover him because his disability is mental. He's on a waiting list with the county. They system is overwhelmed with too many patients and not enough doctors. So I am paying for this out of pocket. Civilian parents are doing well under this bill. Their children get preventative services and everything else. My son has a preexisting condition and I was told that no one private insurance would cover him not for any deductible. I tried to get Medicaid for him but could not. How do you think it feels to see all the children of illegal aliens with Medicaid cards and can be seen in any hospital. My son was born in America and just happens to be disabled and can't get what the children of illegals get and yes I served my country over 20 years.

      • Alex, if your son is totally and permanently disabled and cannot work and is living with you, he can and will be your dependent for the rest of his life…which means that your Medicare and/or Tricare covers him.

  22. The government does not pay for there insurance, and there (children) and on top that ther Children do not have to pay back there students loans. So why should we have to pay there insurance and there loans off . When they make there own laws exempting themselves and there Families. Thay need to read the Constitution again!
    And I am a retired disabled vet with 5 children and no raises for two years + and will I have to pay for each of them that will live me $176.69 for my service a month.

    • Let me know how we can get out of not paying our children's student loans. You are sadly mistaken if you think the military family is taken care of. You then say you are a "retired Vet".. I question that. Because if you think that military doesn't have to pay back loans then you should be taking advantage of it !!!!!!!!!

      • Barbara – I won't question J Mills vet status, but his facts are a bit skewed. S/He probably read one of those spam e-mails going around.

        However, there is an exemption for some congressional employees to have up to $60000 forgiven under certain conditions, but this is a different topic from the TYA insurance issue.
        http://www.factcheck.org/2011/01/congress-not-exe

    • I would so love to know the name of what ever program you are speaking of because not only does my daughter have to pay her student loans back, but so do I. We are an active duty enlisted family with two childen, one of whom is 26 and still in school because we could not afford to help her with tuition when she was 18. She is premed and it has taken her this long because she has had to work a semester, go to school a semester in order to pay for her education even with us paying more than 50% of her living expenses for most of that time. So any program you know of that makes it possible for us to get out from under the nearly 40k in student loans that will be the total… I want to know about.

    • English Major says:

      their….their…. learn how to spell.

  23. when this whole national healthcare plan was proposed weren't the American people told there would be no increase in premiums and/or taxes. This was going to be paid for as a result of savings from streamlining the process.

    • Yes, John, they said the program would save money until the supporters got it passed then slowly backed off on that when the truth leaked out. The ones who will benefit the most are those who have earned nothing and generally been on the dole forever due to poor life choices. You know theres no free lunch, if there is more coverage someone will have to pay. I hate to have such a negative view but I believe it to be the reality.

    • if everyone who believed that did not vote, we wouldnt be nearly as bad off as we are now.

  24. Veteran and spouse says:

    The fact of the matter is this whole Healthcare Plan is not going to work. I do wish all Americans had equal healthcare, etc. like many European countrys, but we are not a Socialist country, we are a Capitalistic country. The strongest, smartest richest citizens will always have more, and that is one of many costs to live in a free country. There is always a trade off no matter what type of government or system we live under. I’ve lived in both, enjoyed both, but will always choose America.

    • We are neither a socialist, capitalistic, or even democratic country…we are a constitutional republic. So many people get that wrong. A TRUE democracy is when everyone gets to vote on everything. Imagine the quagmire that would create! The United States of America has always been a constitutional republic.

  25. The fix – Repeal Obamacare and Obama at the polls in 2012!

    • ABSOLUTELY !!! Repeal socialism…So not only were we (the retired military class) grossly underpaid while we served out our 20 + years now we are grossly charged for our kids who endured their parent(s) not being around because they were out serving our country. Way to repay us for our service to country…01/20/2012 the day we fix the biggest mistake ever made !!!

    • So right, George. This country will never recover until Obama is defeated in 2012.

    • 4thepeople says:

      Give me a break. All the Republicans care about is their fatcat millionaire, non-tax paying buddies. Throw the bums out. By the way, Rumsfeld proposed tripling the Tricare premiums and it took a Democratic congress to reel him in. Count your savings of about $1000 per year for the past five years.

  26. obsessed2 says:

    Michelle Obama from a 2009 Army Times article:

    "You'll see more down the line that will show, not just in word but in deed, that we have to invest in our military, their families, and our veterans in a real meaningful way," she added. "Whether that's job training, mental health support [or] whether that's ensuring that people have access to the health care they need."

    Ooh, Aah. We love you Michelle. Where is the oohing and aahing now?
    http://www.army.mil/-news/2009/05/08/20787-milita

    • She meant well. It is not her that's making the laws and decisions in Washington. There are many problems in this world and in America.
      We have no jobs here because they are outsourced overseas. I call my phone company hoping to speak to an American and I get someone from India or Panama. It is the rich companies and the rich that want to get richer and don't want to pay the American people.

  27. OneVetsOpinion says:

    Doug, your comment would be a hell of a lot easier to read – and understand, if you would bother to use "spellcheck" or a dictionary first!

  28. disabled vet says:

    Hey Gene:
    In a perfect world lots of vet's kids would follow in their parent's footsteps and join the military. My son has medical reasons which prohibit him from joining the military. I don't mind paying for his tricare premium to keep him insured until age 26. I do mind paying more than ordinary citizens pay. Think about what you say before making comments. ALL KIDS CAN"T JOIN THE MILITARY!

    • I agree with disabled vet. Having a daughter with Hodgen;s and still trying to finish college what should I do, tell her she is done at the age of 23. She would love to join but is not permitted because of her cancer. Who knows, she may have gotten it from living on AF bases drinking the rocket fuel tainted water.

  29. disgruntalled says:

    Gee so the government wants and extra $1400 to cover my children that leaves me homeless and without money for food, Someone find some common sense for these people.

    • thats the point. make us all dependent on the government. we work for peanuts,while they take it all then provide use with food, housing, and health care. they want to provide for us it gives them a reason to raise taxes. when they raise taxes it takes more money out of our pockets, and makes it more difficult for us to provide for ourselves, so we must take the handouts to survive. a vicious circle. Brake it now before its to late

  30. My son is currently in this group, & this causes us a great deal of financial hurt that is unfairly put onto military children just trying to have the same benefits the law has already extended to civilian children. He is still in college & will be for an extra year because of his double-major studies. Yet he turns 23 before that final year & will lose Tricare coverage. He attends a public university without a health center, without student health coverage available. He has a chronic medical issue that can flair up into emergency hospitalization at any time for the rest of his life thanks to the crackpot military surgeons that 'healed' his intestinal malformation. …(cont'd)…

  31. …(cont'd)…
    What really angers me is that the same Congresional representatives & senators who are reluctant & refusing to support this extension of the Obamacare laws to our military children are turning right around & reaping these benefits to their own children up to age 26 with NO additional premium charge under their federal employees insurance plan! All we ask is for equal treatment. The law has already been changed to age 26 for ALL American children except military children, & mostly without any premium increases whatsoever. We just ask the same for our military children.

  32. paid my dues says:

    I have a son diagnosed with Crohn's after his Tricare ran out–he is 23. He should have been diagnosed a long time ago by a military doctor, probably around 15 when symptoms first presented. His non-military doc, the one we pay cash for, said he probably had it in his early teens. He is probably right. So what do I do? He has a pre-existing condition that is worse because a military doc did not find it in a timely manner. And, the condition was aggravated by meds the military docs prescribed, not knowing he had the condition. Does he qualify under the descriptions most of you consider "not lazy" or what ever? Is he entiteld at all according to most of you? By the way, the military won't take him because of his disease. He graduated, works hard at a job, but has no coverage through the job.

  33. wazir mohammed says:

    well I have 2 kids in college and only 1 is covered why some of you college educated dumb sob take a hint and look at the british and canadian because the cobra plan sucks and yes I am on active duty,oh you going to pay 3.00 dollars for gas so who is really smart.

    • With your command of the English language I hope you are not in command of anything that is important to the US security. How about some punctuation and thought continuity?

  34. I'm grateful for the new coverage for children up to age 26. My 23 year old daughter is in a fellowship program and I am currently paying $3,600 per year for the private insurance that extends TriCare benefits. It may not be as good as some civilians get for their children, but saving over a $1000 per year helps. Add the fact that I and my wife pay much less for military retired health care than civilians pay for theirs, and I wouldn't want to change places with them.

    • disgruntalled says:

      The civilians are getting the better end of the stick here. The retiree's and dependents have to bite the bullet, so to speak for less coverage for more money. How much more are you willing to give to the government for nothing? I am not willing to give all of my retirement, plus just for healthcare. Especially since it will leave me homeless. Congress people and their staff do not pay for healthcare why are we? Make them pay for the same care we get.

  35. My husband is active duty and our son is now 24 and obviously has fallen off TRICARE. Does anyone know if we are able to put him back on our insurance since he has been off over a year? Will TRICARE "grandfather" the kids that have fallen off the past few years? We are not opposed to the premium.

    • Patty–yea. Go to Triwest web site and you can start now, just keep receipts. Good luck.

    • As far as I know and have been reading, TRICARE will honor any medical bills begining Jan 1st 2011. They advise to save all receipts. Most likely the plan will go into effect this april and will retro back to 01/01/2011

  36. Here are some answer to your questions:
    -TYA will cover any children with pre-existing conditions (civilian plans won't, or will charge $$$$$$)
    -If the child is 21 and not attending full time college, they can be enrolled
    -Between 21-23 and enrolled full time in college, they qualify for the regular TRICARE options (Standard, Prime, Extra) as they currently do
    -If child is over 23 and under 26 they can be enrolled in TYA
    -Enrollment in TYA can be retroactive to Jan 2011 (save your medical claims)

  37. -Initially, the only option for TYA enrollees will be TRICARE Standard (with the applicable deductibles, co-payments and catastrophic caps). It may expand to TRICARE Prime (where available) as it matures.
    -No care at the Military Treatment Facilities, all Civilian Care.

  38. Once again another great thing so we thought from our President the more we find out what his policies really are the more we don't like it I hope we remember all of this in 2012 when we go to the polls he says one thing and does another Jimmy Carter on Steroids. No wonder he is so secretive the more we know the more we dislike, for the sake of the country he must go.

    • 4thepeople says:

      Sorry Keith, pure BS. Let's walk it back. Up until now, there was NO TRICARE coverage for young adults between 23 – 26. Now there is an option. That option is still cheaper than most civilian plans, by the way. Now about the current administration, I think your memory fails you–remember Dumbsfeld…err Rumsfeld's proposal about five years ago, he would have tripled the premiums for Tricare. Luckily, a Democratic congress saved us from that fiasco. You've saved about $5000 since that time. So now, it's time to write both our Democratic and Republican congressmen and tell them what we think about this latest proposal. Unlike the past, when we had some down to earth Democrats, we now have Richpublicans in control who will vote to keep taxes down for their million dollar buddies and stick it to us in the middle class.

  39. To all those who stated that young adults should be able to take care of themselves by 23. Really, did they not sacrifice and endure hardship while one or both parents were gone serving their country? I know mine did. And now that they are in college, with no prospects of jobs with health care, you want to deny them benefits. In my opinion, these kids served their country along side their parents and deserve exactly what a civilian's kid is awarded. Stop thinking about yourselves and start remembering these are the young adults that will be the next leaders, and they can just as easy decide you cost to much too.

    • I have never thought that adults who have reached the age of 23 should depend on thier parents for much of anything financial. I was a Navy brat and my time while my Dad was in the service was what I dealt with. I actually enjoyed it. Tell me of civilians who can travel the world on the government dime. The system that had been in place for many years was that the kids grow up, go to school, and then get a job and become self sufficient. I did, and it was tough, but life is tough. We, as a society, just cannot keep subsidizing our kids throughout their entire lives.

    • stop coddling your kids make them be independent,and responsable for them selves, for their sake, your sake,and my sake

  40. Jose, Thanks for the info. I was hoping for care at a MTF as we are still live on post. I am pleased that my son will be able to get insurance.

    I do agree with some comments and some I do not that are posted on this blog. Son and siblings have grown up in the army. Supported dad though pcs moves, deployment etc. Quite frankly, my kids are well adjusted and never complained. It is just the life we have lived. Does the US Army owe my children anything? No way. Sure, sometimes there were some challenges but nothing that our family couldn't work through. My husband and I chose this life and never looked back. I hope the insurance program can cover and help as many young adults as it can.

  41. I don't mind paying the stated TYA rates, as long as they are necessary and justified to keep the TYA program cost neutral, and to ensure regular retiree premiums aren't raised further. After all, TYA is still probably cheaper than having your young adult child buy an equivalent individual policy. And I expect I would only have to pay it for a couple years for each of my children. But I'm worried that the TYA premiums may be inflated to subsidize other TRICARE coverage.

    • What I am worried about is that other Tricare programs rates will be increased due to the burden of all these new kids. How about adults (those 23 and older) taking care of themselves? I did, and maybe it was not so cheap, but it was a living expense I dealt with. If we are going to take care of them until 28, why not increase the age to, say, 50? Where will it stop?

  42. RetiredVet says:

    My concern is military treatment facilities can not provide the care that current beneficiaries are entitled too. (How often are appointments available when you call the appointment desk? How many times have you received care in the civilian sector ecause care wasn't availale at a military treatment facility?) If we are increasing the numer of folks entitled to care then shouldn't we also increase the numer of health care providers within MTFs? Guess Congress didn't think of the overall impact of this policy? Many of us will pay for a policy, however never receive the care. If you think your care sucks now-just wait!

  43. frmjrhead says:

    Let's look at this….Sec Gates wants to cut this and that, plus more active duty forces as well. Tying Tricare to Obama care makes it equal for both military and civilian, with the exception that Sec Gates is trying to make up the difference in the military healthcare budget on the backs of veterans and retirees who have already given what they had to the country. Both the young adult tricare and proposed raise in retiree health care would be forced on the backs of those already getting pummled. Do you work for the federal government after you retired? Now you are looking at 2 week furloughs with the most recent proposal.

    Really, when will we press those in society who have leached the social programs to get it together? Or even holding our elected representatives accountable for performance? Perhaps we can force them to reduce their benefits package, it certainly is a golden parachute for them…look it up.

    I'm ok with a 100% raise in the retiree tricare fees to a total of 920 annually, but not any further.

  44. RetiredVet says:

    TRICARE's new name TryToCare

    • Please visit your nearest TRICARE office and request a briefing for yourself. Most TRICARE facilities will provide you with a personal briefing onthe spot. The Health Benefit Adivsors will assist you and educate you on your benefits.

  45. Given the current economic environment, my son who graduated from an excellent university, got two degrees and had a very good GPA, has been mired in part-time jobs since graduating at the age of 23. Don't mind paying, if absolutely necessary, the extra dollars, but feel that kids should be able to stay on this expanded insurance policy until they end up with a full time job or 12 months after graduation, which ever comes first.

  46. What you all seem to be missing is that many of us recent grads cannot find work. It isn't that we're "lazy" as someone put it… its extremely difficult out there for many of us. And what of the young adults who can't join the military, due to a handicap or various other issues?
    I've been out of school for almost two years now, and I've been fighting for employment ever since then. It is upsetting that military families have to pay far more than most civilian families, regardless of their children's employment/enrollment status. Between outrageous student loans, devestating job losses, and the struggle to regain employment over here in California, this extension for young adults was supposed to help alleviate a little of the stress. I can tell you right now, as a would-be beneficiary, that my family can not afford these premiums… and nor can I.
    So much for helping out! But, at least this policy exists. SOME people can afford it, I'm sure, and for those people, I am happy. Every little bit helps.

    • If one cannot manage to go to school without "devestating" school loans, perhaps one should not enroll in full time college? I went to a local two year school for a while, part time, to build up credits for a 4 year college. When I had worked and saved some money, I then transferred to a major university and graduated. Jobs were hard to find back in the late 60's and early 70's, but I survived. These kids who spend $100K for a degree in some estoteric field of sociology, public service, or English have wasted a lot of time and money they did not have, and now expect the general public to come in and subsidize them in health care until they "make it?"

    • stop crying. If you cant find a job, and cant afford health care, join the military and earn the right to health care and wages

  47. Well first off there are no jobs were I live to support young adults so they live at home.Second, to go to college it cost money that a lot of working famlies can not afford bills etc, because the Pell grant system penalizes working people. They lure you in upfront ,then cut the grant up to 70% because they say I make to much money Hell I work at Walmart!.So do we make our kids join the military just to get medical coverage when the civilian counter parts do not.Are we not all americans?

  48. suzannehughes says:

    I would first like to start off with hi my name is Suzanne I’m a college student with two semesters left till I get my BA in Logistics, I turn 23 next weekend, yes I am an army brat, the army has had a huge impact on my life, my dad missed five years of me and my sister growing up because he was gone in Iraq he missed two graduations, two proms, two first dates, the list could go on. I did not choose this life it was chosen for me. I am not lazy, (mary Dronkers) and if I could (Gene) I would join the army as a matter of fact I was in ROTC my first 2 years of college and was going to contract until I started having panic attacks, I wanted nothing more than to join the army and make my dad proud. And there are thousands of stories very similar to mine.

    • So, Suzanne, where in the want ads does one find a job for a Logistics major? What were you thinking when you came up with that one? I know it is a tough subject, but the opportunities in the private sector are terribly limited. I'm a Navy brat, and my Dad was gone a lot. So? Just made the time he was there more meaningful. And the panic attack thing will only limit your offerings in a limited world. Get over it, grow up, and make a life for yourself. Your mental health will follow you throughout your life and you might be able to work in retail, maybe, if you continue to use that crutch.

  49. suzannehughes says:

    So what makes a civilian’s child more worthy of health insurance that cost less? I’m confused did they have to move every three to four years, were they separated from their parents for a year to two years at a time….you answer that question, and not even that I think a parent who served in the army, was separated from their families because they went to war deserves better and you know what I’m praying that this goes through fast, because I am more than willing to work hard and help my mom and dad out with money to pay for it. I understand that 26 is a little ridiculous to still be covered by your parents insurance but there are some smart, hard working, young adults still out there like me who only have just a few semesters left until they can find a real job and get their own health insurance, at least it should be around the same price as it is for civilian's dependents… lol super long run-on sentence sorry I’m a little passionate about the subject.

    • ok, first of all your medical is not "insurance" it is a benefit, an entitlement, it is what you get. Civilin Health Insurance is complicated. Do not confuse your benefit with insurance

  50. A child is not 26. Last time I checked that is considered an adult. Come on people. This is insane.

    • that's why they called it tricare for young adult. whether you're 1 or 100 years old, you will still be called a child of your parents, gets?

  51. To all of you who are bashing President Obama…get your facts straight! The original program would have delivered as promised if the REPUBLICANS in congress hadn't rearranged it to its present form to benefit the health care thieves! Assign the blame where it belongs and remember THAT in 2012! Another suggestion for funding things properly…go after the individuals and corporations whose names were handed to Wiki leaks today by a Swiss banker. They have hidden money in overseas accounts to avoid contributing to our tax system. This means higher taxes to compensate. And yes, the tax cuts on behalf of the wealthy (again, arranged by the republicans on behalf of their lobbyists for a fee) are benefitting these same people who have already robbed from the system. Treat them like Bernie Madoff. Jail them and reinvest their assets in the system.

    • I see you do not believe in equal treatment under the law or the Consitution of the United States. Equal treatment should mean equal taxation as well, not class warefare as some in congress (both parties) wish. Don't believe all you read, investigate on your own and think for yourself is all the advise I can give.

    • George, have you ever heard of the phrase "flight of ideas"? Let's try and focus on at least a semblance of the subject at hand. Did we come up with these thoughts while sitting around the table at Starbucks, or while sitting in a philiosophy class in college? While working on a degree in Human Studies?

    • I would be willing to bet you blame everything on republicans. If I recall correctly, and I do, only a handful of republicans voted for the health care bill to begin with. So how on Earth can you assign blame to the republicans for ANYTHING in the bill? You can blame those who voted for it, but 99% of the people who voted for the bill (which they didn't read) are democrats who want our country to be 100% socialist. Democrats will eventually run out of other poeple's money to spend, oh wait, they already did, about 10 trillion dollars ago.

    • obtuse443 says:

      George,
      It is the simple way of viewing the problem, which is the biggest hindrance to fixing it. These health benefits were earned by all of us who served. Not by our Adult Children. I wish that we could all take care of our own and not expect others to do it for us.

  52. UsaRetired says:

    Again, the people who fight to keep all the butt-wipes of this country free get the short end of the stick.

  53. R J Powers says:

    One must pay for healthcare. "Free" won't be back for a long time, if ever. Many folks pay the amounts you speak of for medication alone. Get over it! This only effects folks who can easily afford it. If you are in the military and you have a child as old as 26, or a bit younger, this is still a helluva deal. Pay your dues for a pretty good life, folks. R. J. Powers, USN (ret)

  54. Anybody know of a cheaper coverage for adult children just to cover major medical/hospital costs? My daughter is 20, graduating next year at 21 with a degree in elementary education. I'm exploring insurance options after she graduates in May until she finds a job and gets coverage on her own. This coverage at $200 is seem awfully high to me and un-affordable.

  55. joe boxer says:

    i don't understand why in the h— does congress get away with giving them selves automatic raisess and there medical insurance is for free for they family for the rest of there life. and we as retired vets have to pay so much to survive. we need to inpeach our so called leader as soon as possible.

  56. I think that college children should be covered, as it stands now a child up and to the age of 24 cannot apply for finanical aide without reporting there parents income. Base on this they are made to borrow money just to attend college in most instant. Base on parent income, so this say's the parent are solely responsible for their helath and welfare.

  57. I hear a lot of jibba jabba about how this will "kill jobs" yet, I don't hear how this will actually "kill jobs". This health care is something parents can use while their kids are in a Institution of Higher Learing, cause a lot of kids, or young adults I should say, don't have coverage, and god forbid that one of em get hurt, they are just swinging in the wind. So, If you don't want it, then don't get it, it's not like somebody is going to hold a gun to your head and force you to buy it, commies do stuff like that, This is the US, you DO have a choice, and the more choices the merrier.

    • obtuse443 says:

      Well, let me explain to you. As a health care provider, my reimbursements are on the constant decline, especially from government insurers. I can’t afford to pay the additional costs on health insurance, payroll taxes, business taxes, property taxes, etc and I don’t hire the additional two techs I really need to see more patients. I am about to stop taking Medicaid patients altogether. That’s how it kills jobs and will eventually limit your access to care.

  58. Read before you comment. The adticle says, "who opt-in for the TYA pro­gram could be as much as $2,400 a year." Persons who DO NOT opt for the benefits WILL NOT pay the additional amount! It's apparent that others with negaive comments should also read about what is going on in America. Many young people can't find jobs or cant' find them with benefits including my Phi Beta Kappa graduate who secured a job without benefits. In addition, when people don't have insurance they often end up in the emergency room and hospitals by law are required to treat them. Who do you think pays? We all do because the expense is passed on to the rest of us which is much more expensive,

  59. I am retired military (enlisted) and I can tell you I am more than satisfied with Tricare. Even if they double the premiums it is less than what I would pay using my current employer. My oldest son joined the air force and my youngest works and has his own healthcare.

  60. Tricare should be at least as good as private insurance, which also raises the question- why would they charge $200 a month for young adults, who are the least expensive people to cover. 18-26 year olds are going to have less usage of a doctor than any other age group. When I was that age, I never went to a doctor. There will be some with chronic health problems, but I have to think that the majority of these young people will be healthy, and will not cost Tricare that much.

    • Those with chronic health problems are the ones to sign up, I think that the majority of these young who are in good health won't sign up. True they will not cost Tricare that much, but who do think will pay for the ones with costly health problems?

    • TRICARE is better than most private insurance companies. TRICARE PRIME does not cost anything for the Active Duty Service Member and family. For the Retiree and Family – only 460 a year…(Not a month…like most civhealth care).

    • Unfortunately, most healthcare required by the 18 to 25 yo is catastrophic in nature due to accidents, trauma (there has been research published on this). Hospital bills due to trauma are huge, ICU, operations, imaging, in some cases long term care. That is probably how they can get away with charging so much. Unfortunately, it is like they are taking a regular plan that an employer would cost-share for an employee and passing it on to young adults. I was paying much more in the private sector for health insurance (and that was an employer provided benefit).

  61. Folks, as a retired vet myself, we have to mobilize and bombard your federal representatives with emails expressing how unfair this is.

    Strength in numbers!

  62. While you are bombarding mention Gates plan to raise tricare rates only for retirees under 65 then you get tricare for life which is free as long as you pay medicare part A and B which is deducted from your Social Security Check. Each year they send you a new award letter telling you what your new check amount will be after any increase (none for last two years) and part A and B are deducted.

    • I have already done this and received the standard answer from my representatives. If we get a raise in TRICARE us under 65 it should be based on COLA.

  63. Outside coverage for healthy young adults is available on the open market. If you are not out of college by at least 23, then you need to start taking care of yourself while being a professional student. I don't think the military needs to subsidize those folks who languish in school year after year. Just like saving for tuition, start making plans for insurance costs as well.

  64. My "lazy" daughter is in a medical graduate school. Working is not an option . Buying her civilian insurance at $500 a month is cost prohibitive to us retirees! Not to mention these policies don't cover pre-existing conditions or pay for prescriptions. I will gladly pay up to $200 a month to keep her covered with required insurance until she graduates in August 2013.

    • Perhaps we should not go to med school unless we can afford it? What an interesting concept!

      • Then there would not be very many doctors. There is financial aid, grants and loans to help pay for med school, but those programs do not include health care coverage for med school graduates that still need to intern somewhere before finishing school. Med school is 8 years minimum, longer if you want to specialize in something. That was a very inappropriate and elitist statement!!

      • Most definitely was, Hutch. How many doctors have you been to that have been able to pay the $300,000 up front that going to school costs? Yes, she has acquired her loans herself but silly us parents are helping her out with health and auto insurance, clothes sometimes and food when we visit. We want her to concentrate on her studies so she can take the best care she possibly can on folks like you!

  65. Dee-Marne Widow says:

    HUH, I don't have any children period…I should I have my insurance increase to support other people's children, that's just messed up. Let the adult kids join the military, go to school or get a job and stop depending on their parents already…Lazy bestards!!!!

    • AGAIN – your rate will not increase unless you have children & opt into the program!!!

      They're not LAZY – their trying to get a college education so they can get a better paying job than Walmart, so they can afford a roof over their heads & FOOD & pay back their college loans, which nowadays averages around $50000 for a Bachelors degree – forget about a Masters.

      Try & afford to eat, let alone own a home while working at Walmart or KMart. And of course with the economic climate we're in now – good luck getting a job w/a degree even. I have people w/Masters degrees, and years of work experience applying for barely over minimum wage clerical jobs – taking 150% cut in pay.

      I don't think we should hold these kids on our plans forever – but at least while their in college. And as a widow of a military retiree working amongst those who are recieving this extended coverage WITHOUT being penalized with a higher premium – I'm shocked at how many of you are missing the point! WHY AREN'T WE BEING TREATED THE SAME AS OUR CIVILIAN & FEDERALLY EMPLOYED COUNTERPARTS!!!

    • Stop, breathe, and relax. Your insurance won't go up. Its only for those who have adult dependants between 23 and 26 who don't have any means to get coverage on their own. The majority of them are still in school, recently graduated and haven't found employment yet or have pre-existing medical conditions that make it difficult to afford on their own. DONT CALL THEM LAZY, BEE-ATCH!!!!!!!

    • Retired Spouse says:

      Perhaps you should understand the issue before making a comment. If you do not have children you would not need to purchase insurance for them.

    • Not going to cost you a dime.
      It will probaly be a different policy according to the tricare folks I have talked to. So if you don't have kids you obviously won't be paying for them!

  66. Concerned Parents says:

    So how will this affect active duty….. We have a 22 year old daughter at home that has severe migraines – she wakes up EVERY day with a migraine…. she is NOT able to even function very much… She CAN'T take college classes at all right now…. We cannot afford $200 a month. We have considered having her declared "unfit" or whatever, just so she could get coverage. But we don't want her labeled that forever if we can just get her treated. Other than whatever is causing these severe migraines – she rarely goes to the doctor (past history) – I can't see paying $200 a month…. when it would cost SO much less for us to just pay for the doctor's visit…..

  67. How do yall get veterans with retired? Alot of people are veterans, not retired. See I am retired you owe me what the promis was, not what you can change each year. I am not a veteran, I am retired, you think I did it because I liked you, I wanted the money. I kept my word, time for the US to pay the bill or is it like our economy oh I over spent, sorry I cant pay my bills. I am one of your bills! 30 Years ago when you were in college, or just having fun I was not, I was active duty doing what they said 24/7. Well the bill is due! Or Just like you do when you retire, what would you do if they messed with your retirement, oh lawyers. Well retired military cant do that. Whats good for the goose is good for the gander. Sometimes I am amazed at what I fought for, but stupid is not illegal i the U.S. Put yourself in someone elses shoes!

  68. Disabled Son says:

    What about the disabled dependants? I have an 18 year old with Autism, OCD, ADHD, ADD, CPD, limited vision, and a physical deformity. I can't even get him classified as disabled until he's 21 years old. In fact any active or retired service member cannot obtain the forms to submit to classify a medically disabled dependant disabled until there 21 years old. It’s so stupid that a child in a wheel chair who needs a portable ventilator to breathe and live is classified as a regular dependant until 21. I actually found the one person in all of DOD that administers the program for all branches of the service, and “the rules are the rules” no matter what the disability is or how severe it is.

    If DOD and TRICARE extends everything until 26 I might have to wait until he's 26 to be classified a permanently disabled dependent. Will have to pay for extended TRICARE for an additional 5 years before I can submit disability papers with the DOD???

  69. Enter text right here! It's just not right Billy Bod!

  70. TMax32580 says:

    I know I’m probabily against the grain on this one, but here’s one Republican (leaning more toward independant) every day who has to say ENOUGH ALREADY! A lot of folks on this blog scream how this ain’t fair, and that ain’t fair, and often times they’re right. But, like it says on the big billboard of rules…LIFE AIN’T FAIR.

    Put clearly, we’ve got to stop trying to level the playing field by creating another government program, policy, or rule to try and cover everybody.

    1. I think overall the O’bama healthcare (insurance program) bill is avery bad idea, that will only make insurance companies richer, do nothing to curb the rise in the cost of HEALTHCARE, and provide the average american a fracked-up system like AD military and retirees were given TRICARE.
    Does anyone remember CHAMPUS? Overall, it worked prety well, and for the most part nobody got rich off it. It (unlike TRICARE) incouraged competition and lower prices for HEALTHCARE by limiting the amount that could be charged for a specific procedure.

    It worked,,,I think too well, and so had to be scrapped in lieu of TRICARE so insurance companies could get their greedy paws deeper into the governments pockets.

    Ever notice, that since TRICARE came on the scene, the military hospital may only be 25% staffed, and the ER may be closed at night, but the TRICARE office is always fully manned.

    2. I think the addition of “dependants” to TRICARE up to age 26 is generally ridiculuous! With exceptions, which should be handled on a case-by-case basis (like the paraplegic son or the migrane daughter, or etc…) and not hindered by idiotic rules, “children” cease being “children” when they can vote for president!

    3. Same for children on the Obama insurance company gravy-train law (lets call it what it is), for the same reason.

    Jusus H. Christ…26 ! Forgive me, but that’s not a child nor a dependant (in most cases). That’s someone who’s usually in the middle of a career, probabily married, with 1 or 2 kids of their own.

    On and on I could go, but the bottom line here is: we can’t scream for government to fix it’s spending problems, corruption, waste, etc…. and at the same time scream for more, more, MORE! Two wrongs can’t make a right.

    Repeal \ fix the wrong, don’t add another layer on top, it nover ends! If we, the American people (military and civilian) don’t put a stop to the madness that is “politics as usual”, well…if you keep doin what ya been doin, you’ll keep getin what ya been getin!

    • I'LL START THINKING LIKE YOU WHEN I SEE RICH KIDS GOING OFF TO WAR LIKE MIDCLASS AND POOR KIDS DO. BRING BACK THE DRAFT

  71. Just a note to clarify, military retirees are also veterans. As a retiree you get DoD/DHS benefits and VA benefits.

  72. My daughter is self employed. She is 24, married and her husbands job doesn't provide insurance either. So, it is either pay for TYA or she stays on medicare. She is willing to pay for insurance but for a self employed person it is outrageous! She is not lazy. She has worked her way through Hair styling school and has been working and a manager of the salon she was at before purchasing a salon with a friend. We are thankful for her being able to get insurance.

    • Your daughter would be inelligible for TYA, when she got married, she automatically stopped being your dependent. That applies to regular tricare as well. If a 16 year old gets married, she is no longer covered under regular tricare. I see it every day in our tricare clinic.

  73. For all you Liberal Idiots that think Obama Care was the answer wait until you start paying for it. As far as I am concerned the Liberal Left and Far Right Wing Idiots need to start listening to the people and not themselves. It seems all we have in Washington are IDIOTs who can't work together to provide good legislation for America.

  74. to finish my last post I submit:
    They talk to themselves behind closed doors. They work in the house on seperate sides of the house. It is time to take Congress and treat them like school children. Mix them up and make them play nice with each other, share their ideas, and come up with legislation with someone besides their own party members. Congress acts like a bunch of hooligans, whoever has control slams shit down the others throat and says there take that and shut up.

  75. pt 3.
    CONGRESS it is time to grow up and live like the rest of America and whatever you pass for the common man also goes for the Congressman and Senators. It that would happen you would see correct behavior from the most corrupt body of people on earth, the U.S. CONGRESS. I've broken my neck, my back, my arms, I have titanium implants in my low back, my neck and my shoulder. But I will challenge any one of Congress to trade places with me, they won't because the great percentage of them never served their country or held a job that required them to lift more then a rheem of paper. Wake up Mr. Obama and Congress, Senate your day will come if you continue to ruin America.

  76. Obamacare doesn't work as they boast. My 23 yo son works for Publix and they won't cover his level of parttime work even if he pays it. He can't find another job that's any better with unemployment at about 12% here. I took a basic heathcare policy out on him to cover some, but it is expensive too. Employers are willing to pay penalties to avoid Obamacare rather than offer healthcare–it's financially cheaper for them. I just wish jobs and benefits were there as they were when we were young adults–nostalgia!

  77. JOB KILLER? I am ashamed that Military.com is following then Republican story line. What happened to objectiveness?

  78. I think it is shocking the things all of you are saying about each other, and or their children. This is a disgusting display of "our country’s finest" !!!! I am the daughter of veteran and have several opinions on the matter but even at 23, I have the taste to express them in a manner that is respectful and intelligent. Some of you should be ashamed. So here it is, in my opinion, military family members go through far more than most civilian dependants and yet the cost for extended coverage is much higher. I cannot think of any reasonable explanation for this.

  79. As far as insurance through my college, that is not an option, as I am sure many students can relate with. I work hard at school to be a better part of my community, economy and ultimately the future of my family members, young and old. I think that at the least civilian and military rates should be equal. Lastly I can only hope that at least a few of you have taken the time to review the comments you have posted and see how you have represented yourselves. I took the time to read through all of the comments posted, and trust me my day started at 6am… How could you possibly presume people you have never met to be LAZY.. all comments like that allow is and insight to your lack of respect for others and ability to express yourself in a tasteful manner.

  80. Wecome to the new health care! I am waiting for this to be mandated. The IRS will garnish your wages or retirement if you don't. Free military health care is a thing of the past.

  81. militarymom says:

    With the economy the way it is some adult children cannot get jobs that offer health care coverage. I have 2 adult children with college degrees. They both graduated with honors, but there are no jobs. How do you propose they get health care coverage when they can't even find a job that pays them enough to pay there school loans and move into their own apartment?

  82. OK, so first it is we pay for our Adult Children to have tricare until 26, then what is next we start paying premiums for our healthcare across the board, which will probably be higher than civilian care as well. When will people wake up and support our military instead of beating us down and making sure we stay at poverty levels. It makes no sense to even join the military anymore. It seems as though fewer and fewert americans support those of us who serve.

  83. I am retired navy enlisted my oldest son is 18. I disenrolled him from tricare because he is a legal adult and responsable for himself. he was raised always raised knowing that at 18 he would have to be responsable. he was given the choice to stay at home while, paying rent, or what ever else he wanted to do. he moved out ,got a low paying job,rented his own placeand made a go at it. then he broke his arm with no coverage he has had to pay the medical bills himself. It was tuff, and he couldnt afford the $650 a month rent he was paying.so he joined the air force. While waiting to go in he is back at home paying $225 a month rent. my point is this. make them resposable and they will be. help them if need be,but dont do it for them.the more you give them, the more they expect,and become dependent on. free your kids, free yourself.

    • For several years now my daughter has needed a knee replacement. The military put this off, stating a list of factors while she should wait, then a lovely military doc said she was to overweight. We came back to mainland America just after she became ineligable for tricare, and even though civillian docs have called the military docs nuts and said there was/is no reason not to do the surgery, we cannot afford it. She cannot stand or walk for very long, so she cannot hold down a job.
      All this to say don't judge all situations by yours, Shanna's issues are a little more complicated then your son's broken arm.

  84. So whats the diffrence. My 24 year old has had her own insurance and was paying $129.00 a month through her employer. All that got her was over $8,000 dollars in medical bills that she is responsible for. It would be cheaper to pay for the Tricare insurance. And she is not lazy. She works as much as she can but has a pre-existing illness. No insurance wants to cover her with out taking her whole pay check.

  85. The law requires the children to be covered up to the age of 26. There is no stipulation that one's insurance needs to go up to cover these children. If the price goes up for the families with 18+ year old children then it needs to go up for all TRICARE service members. Personally, I agree with most of these posts but overall, TRICARE is still the best deal in town.

  86. My daughter dropped out of college and decided to have a go at the real world. While I won't pay for this, I'm going to ask her if she wants to enroll and pay for herself. I doubt it, McDonalds pay barely covers her living expense, but it is a good life lesson. I keep hoping something will drive her back to college.

  87. For several years now my daughter has needed a knee replacement. The military put this off, stating a list of factors while she should wait, then a lovely military doc said she was to overweight. We came back to mainland America just after she became ineligable for tricare, and even though civillian docs have called the military docs nuts and said there was/is no reason not to do the surgery, we cannot afford it. She cannot stand or walk for very long, so she cannot hold down a job.
    I know she's handicapped, but don't know how to go about getting benifits for that.

  88. They will charge a high premium on TYA because DOD wants you to go elsewhere for insurance. They are going to try this next on the retired under 65 (like me) so we look elsewhere for insurance and reduce DOD costs. I wrote my senators and recevied a standard response that they would send to an active duty member. They didn’t even take the time to change the wording to respond to a retired member.

  89. Veteran & Spouse says:

    I do not feel it is right to cover reserves who only serve two days a month (counted as four) get access to Tricare either. When I joined the Navy in 1959 I was promised Medical coverage for my family and then me and my wife for life. There was no mention of paying for insurance as it would be provided by the government, remember that. This is just somemore of the Obama Health Care that they know they cannot afford fo lets "Let the Military Retirees pay the bill".
    Since when did Tricare feel the need to cover everyone is this another stab at Socialized Medicine?

  90. supporter says:

    For those who missed it the military families will be paying more….for their adult dependants coverage. When the civilians will pay less,and have more options of medical coverage.Also take into consideration military families move more than civilian families which may cause disruption to some kids education.And what if some kid want to continue their education and it places them at an older graduation age bracket. Good for them. Dont assume all kids being covered are being lazy. And many of the military wives/husband have to leave good jobs due to military orders. Its definitely not and easy life when they have to continue to readjust it takes special people to do this. So as long as they continue to be in college it should be ok especially in these harder time they need an education.

  91. Who is trying to change these rules anyway for coverage age up to 26, why not leave as it is up to age 23 rule. Everyone knew about this rule, that's why my kids got a job after college because they knew they couldn't get health insurance and it should be that way. They are no longer kids anymore.
    Then we shouldn't have this BS debate. "Don't you all think that way". Let's worry about TRICARE premium increase what Gate tried to do. This makes double premium increase which I did not signed the contract in military.

  92. Who is trying to change these rules anyway for coverage age up to 26, why not leave as it is up to age 23 rule. Everyone knew about this rule, that's why my kids got a job after college because they knew they couldn't get health insurance and it should be that way. They are no longer kids anymore.

  93. George Farrell says:

    This is outrageous and so unfair. I was promised coverage for my entire family when I signed on the dotted line to give my life in defense of this nation. And, for what, to be considered a second class citizen, no coverage for my children 24 and 22 while illegal aliens go the hospital and get away for nothing. Where is the morality and ethics in government?

  94. Get a grip. At $200 per month that is a bargain

  95. Well our daughter had to attend six years of college (instead of four) due to military transfers, to pay more than our civilian brothers and sisters for med. care JUST isn't right!

  96. Agruaging that our children should also join the military misses the point. The point is that the civilain kids get like coverage for a small percetage (10%)of what active duty personnel and retirees will pay for the same coverage for there young adults

  97. These young adults are probably going to school and require health care.
    Our children rely on us to get them started in life. I will pay an additional cost for TYA until the age of 26. VA and others, get the cost of TYA coverage down! 1,400-2,400 is unacceptable! My family served with me and pay dues, just as I have, therefore let's get this cost at a reasonable rate!

  98. DevilDog3 says:

    My opinion is that no adult over the age of 21 (other than Special Needs) should be living off of their parents and or the community at large.

  99. Let’s see at the beginning of the month the joint chiefs were saying Tricare premiums should go up like all other insurance rates go up. Then this week Tricare is not insurance but an entitlement. Don't you love how we are one thing when they want our money and another when we would like equality?

  100. 20 Years AF says:

    My daughter turns 23 and graduates college this year. The TYA program is the bset thing the goverment has ever done in my lifetime!!!!!!!!!!!!!!!!!!!!

  101. Mary, youre a selfish moron. Thank god you're just one sad little man. P.S. how many dependents of servicemen(women) do you know that are lazy? Are you rude enough to say it to their face or just on websites where it's safe? Do you think for service to the country is worth more than that of someone with children? I'm willing to bet you have no idea what it's like to have to pay civilian medical bills at the age of 21 or so with no degree and without the military to pamper you.

  102. Belvia Hall says:

    I have a 22 year old daughter about to graduate from college. She has been offered a temporary 13 week position with the government and no guarantees that she'll have permanent employment afterward. There are no benefits with this job as far as health insurance goes and she is a disabled young lady. My husband retired after 22+ years and we are pleased that she'll have some coverage until one day she can find a job with some health coverage benefits. However, we will be having her pay for this coverage with the job (temp.) she will be taking. I think this is fair. She is not a lazy college student who is lingering on her parents insurance with no aspirations to find work or benefits. And, since she is disabled she won't be denied coverage and she'll be able to continue on with her doctors. The one big problem for young adults is finding jobs with benefits, i.e health insurance. I do believe, however, that these young adults should pay or at the very least help pay for this coverage with whatever job they can get after graduation. Should not be on Mom and Dad's dime if at all possible.

  103. I am 21 years old I used to go to school full time and work full time. I had to drop from a full time student to a part time student so i can work two jobs to help my mother that is retired from the navy pay the bills. The jobs i have don't offer health care to non management employees. Trying to find a job is hard enough, but finding a job that offers benefits is extremely hard. When my mother and I heard about the Obama plan to keep kids on the health insurance till 26 we were happy because she didn't have to worry about me. The kept saying it was supposed to be for ALL health insurance company's, but its not. I cant afford to go to a doctor but i was forced into an ER a month ago and now have a Bill of $3000. Not all family's are the same and not every person can get insurance through there jobs that was one of the reasons why Obama extended the health insurance to adult children to 26. Tricare should be apart of this.

  104. What they didn't do, is make sure that the insurance companies were not gonna be allowed to raise the people's insurance cost in order to insure their children to the age of 26. The insurance companies are still having a free rein in charging as much as they want…the government needs to tell them that they will not be allowed to charge or get more than so much and that's all.

  105. you know your right af wife i thank that thy should be in the military before thy can run for gov. office but we as military personal always get the blunt end of the stick i put 31 yrs the military in vietnam and desert storm and still have troubles geting help at the v.a so i told them to kiss my butt so now i just hope thy dont mess up my son prayers out to your men and women

  106. On one end 26yrs of age could potentially 8 yrs service, a few years and earn some experience, travel, entitlements, Green to Gold, etc.

    I under the situation of a young adult who may need assistance in relations to EFMP.

    With the entitlements needs to be standards as well. In quality of what is used and more importantly the quality of the user. There are many who need to view health care into “Care for health”.

    Meaning be morepro- active at being active. Sometimes when you the family with freight train of toddlers in the Commisary. Each one of them with a gorilla grip on a bag of junk to last for a week but and show it,

    Preventive maintenance isnt just for weapons. There are a lot of resources tied up daily in medical facilities that shouldnt be.

  107. Why are we still calling these lazy adults children? This won't stop until we vote these congress men out. They don't get the message. They have proven that they don't care what the American people want.

  108. Repeal the healthcare and then simply do not vote for Mr. Obama next election. As always those of us who have served to protect and defend this country are the ones that are being treated like secondary citizens. When i signed up to serve my country i was told myself and my family would always have healthcare. Not the case. Just another lie. Now I not only have to pay for mine and my family's healthcare, but i am gonna have to pay more than the citizen who never served and defended this country. Shame on me for being so trusting.

  109. just great, the tricare benefits were good, though it is hard sometimes to get an appointment, plus tricare assigns you a dr way out there in timbock 2, it mAKES ME SICK everytime I have to utilzie the system. It is not the best and could be better.. Retirees are encouraged to go to see civilian doctors and not utilze the military facilities. So what the heck…. Tricare could be better in that everyone should be able to see whom they want civilian or military….

    I do not mind paying the fees for my children, but could we at least be fair as our civilian counterparts…l

    I worked at a HOSPITAL in the business office and dealt with insurances day and day out…. Again Tricare could and should be better…

  110. what is the cost does anyone know yet

  111. I think it's hilarious- this logic some of you are putting out. I am a military dependent,a full time college student, and I have a part time job. You tell me how the hell I am supposed to afford insurance? Civilian kids, who Frankly have had a much easier life than I have had, will be covered till they're 26. All I am asking for is some goddamn equality! And by the way, a lot of you sound like idiots writing about how people like me should just join the military. Well than those goddamn civilian kids should join the military too instead of hitching a free ride till 26.

    • You sound like a bratty officers kid! .I have 2 kids neither have Tricare anymore since they are both over 21. Big thing is. My Daughter is 21 & still in High School (spec. ed..} due to her disability. Now , just because she is mot "intelligent" enough to have graduated on time & went to college. Does that make her any less worthy to receive insurance through Tricare than those of higher intelligence? To me that is discrimination on both parties part. The military & Tricare have said ,to bad so sad…..they are really supposed to be registered in an accredited college. So now she has no ID card & no Tricare, and plenty of medical issues.
      Everyone is getting screwed out of this deal one way or the other . So quit your bitchin at least you have /or are eligible for ins. I know It sucks, but there are plenty more out there who don't. Mot all are in the low class some of us are in the middle to upper middle class.

      • If your daughter is disabled, then you need to sign her up for SSI, take her proof of disability to Tricare and get her reinstated and check into guardianship for her (either full or partial). Also look into 3rd Party Special Needs Trusts. My son is 23 and disabled, and he was never off of Tricare (well, for a couple of days maybe) because we were ready for it. There is no need for your daughter to lose her benefits; you just need documentation.

  112. The webinar for Young Adult program was posted to their website and the
    speaker stated the premiums would be posted in a week and this was April 11,

    Isn't a week seven days and I cannot find the premiums or application form, so I will calling Tricare who didn't even know there was a webinar.

  113. aav amphibs says:

    One thing seems to be left out here. Dependents covered up to age 26 keep a full board military dependents ID card. This means they can shop on base along with their coverage. (And all other dependents military ID card coverage theerof pertaining to like bowling, movies on base, cheap cigarettes and booze.) It's been quiet as a church mouse around this forum about that. Not even military veterans get to shop on base. Are we talking healthcare coverage with a little bit of icing on the cake here? Mmmmmm……

  114. aav amphibs says:

    Kids today got it made. Nothing like this when I was growing up. Had to join the service or get a job with insurance. Count your lucky stars. Thank Obama for your coverage. Bush only passed the wealth to the military industrial complex to make Halibourton and others rich.

    • Charles says:

      aav amphibs,

      LMAO, Halibourton was Viet Nam and every Conflict of any size sense then. Yep, before, during and after President Bush!

  115. aav amphibs says:

    Shhh…..ooot. The more I think about this, how about this? Make the kid join the service, go to Afghanistan or Iraq, or stay in school. At least we won't be creating bumbs that think they deserve everything. Military dependents and civilian alike!!!

  116. Amber Lea says:

    Life isn't easy. For anyone. So please remember that this program is intended to HELP dependents who are forced to find insurance. My school offers an insurance program as well, but their rates are only marginally lower, and their co-pay is absolutely ridiculous in comparison.

    I am a full time college student, and I have been a military dependent my entire life. I am completely screwed when it comes to paying for insurance. I just turned 23 and now I'm completely S.O.L. and am facing a $200/month premium to stay insured with Tricare. My parents do not pay for my education- and if I can help it, I will not ask them to pay for this. But the fact remains that $200 a month is more than most college students can part with, and so I may be looking to them for help.

    These premiums are expensive. That goes without saying. But it's not as though we, as military "brats", are being spoiled with some free shit. most of us "adult" dependents are looking for help the way that a civilian dependent would. The premium costs aren't hitting anyone other than those who opt-in for it. If you don't want to help your 'kid' then don't- make them find some themselves.

    Just because we can't carry these outrageous pricetags while doing things such as school or establishing life during economic turmoil doesn't mean my generation is worthless and spoiled and doesn't deserve the help from people willing to help (i.e. family)

    I actually JOINED the military. I was sent through BMT, then discharged for an asthmatic medical condition I did not know I had….that I insisted was non-existant….and was easily manageable with allergy medication like zyrtec. Got kicked to the streets without any insurance or help from them- were it not for my family, I would be completely and utterly lost.

    but it's not a question of entitlement. As I (and the article) mentioned before, it's not that we feel we should get this insurance. It's mandatory now. I would have been willing to go the gap that my 5-year minimum degree would require of me (I'm actually facing a 7-year plan for what it's worth, after the military wasted my time with enlistment, discharge, and the semesters I took off from school to work)

    Do not judge all young adults as you see fit. That's not fair to most of us, since you seem to be a closed-minded and somewhat rude individual. Most "Young Adults" have a situation or agreement worked out with the people who are helping them acquire this insurance. Responsibilities are only shirked if there is poor parenting. In which case, I believe a different rant is warranted.

  117. I was able to sign up for this coverage without even telling my sponsor. $201 per month is a lot for a 21 year old, but the coverage is better than what I see in the private world. I have found basic health insurance for as low as $79 per month, but that is with high deductibles and lousy coverage. In addition to the $201 per month, I had to purchase private dental coverage because tricare doesn't provide it.

    I think it would be better if the government made the coverage more affordable, it is comparable to what an employer would have to pay to provide coverage for an employee. I think the government should be providing something better instead of comparable.

    I read many of the comments on here about how us young adults should join the military. I disagree and feel I should get my health coverage extended like civilian families. I also feel that the time my father was in the military was very rough on my family and I. While he was on deployment for months on end, I was without a father. I am not a lazy free loader who's parents paid for everything.

    Yes, I could go back to school and get coverage for another 2 years. The government won't provide financial aid and I do not feel it is a good idea to rack up large debt that can't be paid back in the current economy. I started college at age 15 and had 110 credits before I turned 18. TYA coverage is good but the cost is too high. I would like a job with benefits, but they are hard to come by. Just one more monthly premium to add to the list I guess. Auto, home, earthquake, umbrella, dental, and TYA. What a pile of money for things I will rarely use. TYA is one more way for the government to get money from it's hard working people. The way it is priced, it is going to be a for profit endeavor.

  118. Maureen,

    Amen, as a Military spouse with a grown child in college and another younger child, I too think our kids should have equality when it comes to healthcare insurance. I am a veteran, my husband has been in for 23 years. We have sacrificed in many ways. My husband has been deployed 11 times since 2001, that doesn't include schools or lengthily TDY's. I put my career on hold to support my husband and kids. They deserve one parent at home, just as they deserve the same healthcare they would get if I worked in the civilian sector or their Dad did. I'm not sure why people have this belief to include our family that we are rich. Quite the contrary, we have lost money on multiple moves over the years 12 to be exact.

    I am willing to do my part, but you know we are taxed at the highest rates. I know families in my sons school who are here illegally who get Welfareb(yes folks that's right Welfare for their kiddos, our tax dollars paid for because they had them here)! They get FREE healthcare, free medicine, free school lunch and food stamps. I just overheard one mother saying that she didn't think she could make it on 2034.00 a month, as she was chatting on her FREE cell phone. In addition she wanted to know if she could ask the Government for more benefits. And many of you think our kids should not have healthcare until 26…..????REALLY

    I do still live in the USA, right.?????

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