Tricare Insurance
Monica Ellis
HCS/531
May 26, 2015
Instructor: Dr. Rachel Kehoe

Tricare Insurance
It's Memorial weekend; it’s a lovely day for a family outing to the beach. The sun was perky; the air was fresh and light, as households headed to enjoy their fun filled day. The parents set up the camps as the children ran to the water. Last one in is a rotten egg someone shouted. As a mother surveyed her surroundings, she was unable to locate her son as she turned her head that only seemed for a slight minute. The child appeared to have vanished from her eye sight. As she franticly searched the shores for her young one with no luck, she ran to the lifeguard on duty for assistance. She heard a blood curdling scream as a bystander pulled the lifeless body from the water. The lifeguard immediately started to perform CPR. I prod my way through the mob to witness the act. The energies of the lifeguard seemed unrewarding. The youngster looks as if she was aspen and unresponsiveness. The ambulance concluded the resurrection and notified the mother that the kid was dead. The mother was panic-stricken and shouting that her child’s death was due to inadequate healthcare. In 1956, Congress approved the Dependents Medical Care Act in the United States, permitting the medical coverage for the defense to organize civilian health care to dependent relatives of service member families. This recently passed law had many prosecutions and faults and was lastly rewritten in 1967 and called CHAMPUS (Civilian Health and Medical Program of the Uniformed Services.) CHAMPUS was a govern based medical assistances package that delivered additional care to the military, Public Health Services amenities for veteran service members in the U.S., as well as children of active-duty personnel, veteran and of the late servicemen. It details approved in-patient and out-patient assistance from noncombatant sources, when medically needed, on a cost-sharing basis, and was controlled by sequestered parties under administration deals (Tricare Plans). In 1995, CHAMPUS was reviewed and given a new name, TRICARE, covering 100% of the insurance for its active duty, veterans and deceased family members. Similar to an HMO, the participants will carry TRICARE Prime ascribing to them a primary care physician or a managed care officer who is in authority for referring members when needed to seek specialists operating within network of TRICARE. The structure for specialty physicians is unable to be liable for any unconnected out of network services (TMA, 2007).

One of the advantages of TRICARE for plan participants including military personnel and their families is the managed care program allows individuals to seek quality medical without paying much in the way of deductibles or "out-of-pocket" expenses, something that typically prevents people from receiving the care they need in ordinary managed care plans (TMA, 2007). Despite some of the advantages of the managed care or Prime Program, many officials or personnel elect the POS or "point of service" option, which allows them greater flexibility or the ability to choose the physicians they would like to see, even allowing for some specialist care in many cases without a referral (TMA, 2007). However,