Options are so important especially in a culture where many things are mandated. We believe your health care is important so sharing options is key!
There is nothing more daunting than PCSing to a new area and learning about health care options at 30 weeks pregnant; however, this is often the case for many military families and one of the most frequent discussions we have at Stars and Stripes Doulas.
Here in the Washington DC Metro area we are home to Fort McNair, The Pentagon, Walter Reed National Military Medical Center, Coast Guard Headquarters, Fort Belvoir, Henderson Hall, Fort Myer, Joint Base Anacostia/Bolling, Joint Base Andrews, Quantico, Naval District Washington, and Naval Support Activity Bethesda. The family members assigned to these bases are primarily assigned to Fort Belvoir Community Hospital, Walter Reed National Military Medical Center, or one of their community health centers.
The good news is there are a plethora of options for insurance coverage during pregnancy including both military and civilian providers and all provide exceptional care for the families we support.
Tricare Prime provides comprehensive maternity care for active duty service members (ADSMs) and active duty family members at no costs to the service member or family member. The service or family member is given a Primary Care Manager (PCM) who will make the appropriate referral to the Military Treatment Facility’s (MTF) obstetricians, midwives, or family medicine. In the Washington DC Metro area this would include Fort Belvoir Community Hospital and Walter Reed National Military Medical Center. Under special circumstances referrals are sometimes given for families to receive care with a civilian provider (see reference). Check out our blog sharing information specifically about your Tricare Prime options!
Tricare Select provides comprehensive maternity care for active duty family members with flexibility in provider options. There is no cost-share or deductible for outpatient maternity care while in-network when planning to birth in a hospital; however, inpatient hospital care for the birth costs $18.20 per day (with a minimum of $25) (see reference). If choosing to deliver at an authorized birth center with Tricare Standard a $25 copayment applies to the birthing center claim and includes all prenatal care, delivery and postnatal care (see reference). If choosing a homebirth under Tricare Standard a 15% cost-share is required for in-network providers and 20% cost-share for non-network providers (see reference).
US Family Health Plan
US Family Health Plan is one of the less known of options for insurance coverage in the DC Metro area; however, it’s a great option that seems to have the cost advantages of Tricare Prime combined with the freedom to choose your provider like Tricare Standard. Care is provided through large local civilian health care networks of primary care physicians, hospitals and affiliated specialists. Patients choose a primary care physician who provides and coordinates care and referrals to specialists and hospitals. In the DC area this is the Johns Hopkins US Family Health Plan. There are no costs associated with maternity care for active duty family members under USFHP; however low co-pays do apply to prescriptions under this plan (see reference).
We know you will choose the option that is best for your growing family and we are happy to provide further information or resources regarding these coverages.
Written by: Melissa Nauss, Owner & Lead Doula of Stars and Stripes Doulas of New Orleans