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Welcome! My husband is in the navy. We got married in Feb '12 and are expecting in August of '13. After much deliberation (I have a pre-existing condition), I decided to stay on Tricare Standard. If you decide to go for Prime, you have to pay extra (I think per month); you have no copay at your doctor, but you will HAVE to visit one on base in order to get a referral to a specialist. To me, keeping the doctors that I have was more important than switching or going back and forth. On Tricare Standard you have a catastrophic cap at 1,000 per year (starts in October). You can't pay more than that per year. Your deductible ($150- usually split over several visits) and all copays, and prescription copays go towards that amount. My copays were very small, you can reduce them even further by filling all prescriptions on base. My local Tricare office was very helpful in figuring all of these things out, and if your doctors accept Tricare, they will be able to help you too. Either way, since you aren't the one who is enlisted, you have to pay something. You will also need to decide for your son- standard or prime. Tricare can be a pain, but it can also be amazing, especially with tricky conditions or preexisting things. You can always decide to switch later, if you don't like whatever you choose. For the remainder of your pregnancy, since you are due so soon, stick with BCBS if you can, then switch things around when you have the time. And if you get confused about anything, go to your Tricare office and have them explain it to you in person. Good luck! And hopefully your sweet boy is completely healthy! -Lauren
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