The Army is dedicated to taking care of its most important assets—Soldiers and military Family members.
TRICARE is the Department of Defense's worldwide health care program available to eligible beneficiaries from the uniformed services.
TRICARE is free to Soldiers but may involve some out-of-pocket expenses for Family members. The cost varies depending on the Soldier's rank and the specific TRICARE program option in which the Family member is enrolled.
Through the TRICARE program, Family members can also go to civilian health care providers if they desire. But before going to a civilian practitioner, Family members should talk to the Beneficiary Counseling and Assistance Coordinator (BCAC) at the nearest military health care facility to see if there are any out-of-pocket expenses. The BCAC will confirm your registration in the Defense Enrollment Eligibility Reporting System (DEERS), and can provide a list of doctors in your local area who will accept "TRICARE patients.
When permissible, visit TRICARE online for more information on your military health benefits and regional health plans—www.tricare.mil.
A-4. Service members' Group Life Insurance (SGLI)
As a United States Soldier, you may encounter hostile situations while stationed abroad and in combat. The well-being of your Family is of the greatest concern to the Army.
One of the many benefits afforded Soldiers is the opportunity to purchase very low-cost life insurance. SGLI provides up to a maximum of $400,000. SGLI automatically covers you for this maximum amount unless you select in writing a lesser amount, in increments of $50,000. You may also decline SGLI altogether, but this decision is so important that you must also do that in writing. The payment is deducted automatically from your pay each month. Soldiers with Families almost always select coverage in the maximum amount.
Spouses and children are eligible for Family SGLI. Coverage for a spouse is automatically $100,000 unless a lesser amount, in steps of $10,000, is chosen. Each child is covered for $10,000 for free.
When permissible, visit the Service member’s Life Insurance website maintained by the Department of Veterans Affairs for additional information and assistance with enrollment—www.insurance.va.gov/sgliSite/default.htm.
The level of dental care will vary from post to post, but it is available for all Soldiers. However, Family member care is generally not available at military dental facilities.
Family members may get dental insurance through the TRICARE Dental Program. The TRICARE Dental Program (TDP) is dental insurance in which you pay a monthly fee in exchange for Family coverage. It is a voluntary, cost effective, comprehensive program offered worldwide by the Department of Defense to Family members of all active duty branches of the military, and to Selected Reserve and Individual Ready Reserve members and their Family members.
Just as is the case for TRICARE health care, Family members must be registered in DEERS to be eligible for the TRICARE Dental Program.
In order to participate, the Soldier must have 12 months left on his or her service commitment at the time of enrollment, and submit an enrollment form with the first month's premium or enroll online using a charge card. The monthly premiums will usually be deducted from the Soldier's pay, although there are other payment options.
Depending on the dental procedures performed, treatment may be completely covered by the insurance, or there may be co-payments required.
In addition, there is a maximum annual amount that TRICARE will pay for any one beneficiary. Once that yearly amount is reached for the individual, all costs above the maximum must be paid for by the Family.
When permissible, complete information and instructions on how to enroll and find a local dental provider are available on-line at: www.tricare.mil/Dental/TDP.aspx.
Army Emergency Relief (AER): Is a private nonprofit organization incorporated in 1942 by the Secretary of War and the Army Chief of Staff. AER’s mission is to provide emergency financial assistance to Soldiers and their Families.