Transcript: TRICARE Young Adult Webinar

April 11, 2011

Slide 1

Mark Ellis: Hi folks, good morning! My name is Mark Ellis, I am a Policy Analyst here at
TRICARE Management Activity, and I’m the Program Manager for the TRICARE Young
Adult Program. So this morning I'm going to give an overview of the legislative background
for the extended dependent coverage and how DOD is planning to implement the TRICARE
Young Adult coverage, which provides TRICARE coverage up to the age of 26 for those who
lost coverage. First slide please.

Slide 2

Mark Ellis: To start off, extended dependent coverage actually came out of the Patient
Protection and Affordable Care Act for all other American families except military families.
It is also known as the health care legislation that came out last year signed by President
Obama in March of 2010. In the extended dependent coverage allowed adult dependents,
even those that are married, to remain on their parent’s health plan until age 26. It did
exclude an adult child if they were eligible for their own employer sponsored healthcare,
and that exclusion ended, ends on 1 January, 2014.
The mandatory start date of the extended dependent coverage for non-military
families is 1 January, 2011. Although, the legislation allows the extended dependent
coverage to start as early as September of 2010, and about 65 healthcare organizations and
large employers started that. But, TRICARE and the DOD was left out of the healthcare
reform legislation for a variety of reasons and so DOD requires that we have Title 10, which
is our statutory language which directs the DOD activities from a law perspective. Next
Slide.

Slide 3

Mark Ellis: OK so, TRICARE Young Adult in the Ike Skelton Defense Authorization Act for
fiscal year 2011, it got signed a bit late. Usually that gets signed somewhere in or around
October, but it got delayed and wasn’t signed by the president until the seventh of January
2011. But, the NDAA Section 702 gave us the statutory authority to offer extended
dependent coverage. Which is similar to, but not exactly the extended dependent coverage
that your civilian next door neighbor might have available for their under 26 dependents.
So our statutory language allows unmarried dependent children who are not eligible for
medical coverage at age 21 or age 23, because they had coverage until they graduated from
college. Or rather turned age 23, so at age 23 they lost coverage. And so, TRICARE Young
Adult will allow that coverage to remain in place up until the age of 26. But, young adult
dependents are not eligible if they are eligible for their own employer sponsored
healthcare.
There is no sundown date to the first of January 2014, as the civilian plans. There
are actuarially cost monthly premiums that are required and that start date is the same as
the civilian sector of 1 January, 2011.
 Finally, the statutory language allowed us to implement, by an interim find a rule
which is very important to us. We can’t start a program without statutory language, but we
also need to publish it in the Federal Register as a federal rule that actually sets the
business rules for the health plan. Next slide.

Slide 4

Mark Ellis: So DOD implementation does differ a little bit from the Affordable Care Act, we
do have exclusions. The definition of a dependent child is a little bit different than the
civilian sector. We do not by regulation, if you marry, you automatically, dependents
automatically lose all coverage. Unlike in the civilian sector where the married dependent –
just the married dependent, not his dependents – can remain on the extended coverage.
With DOD if you marry, you lose your coverage, just as you do now.
There is no sundown date for our employer sponsored health exclusion. So if the
young adult dependent has, or is eligible for healthcare at their own place of employment,
they can not buy TRICARE young adult coverage. And if you are eligible for any other
TRICARE plan, you are not eligible for TRICARE Young Adult. And the reason is, almost
every other plan would be at no cost. We do believe that the majority of those that might
apply to this will be young adult dependents that are actually members of the reserve
component and might be eligible to purchase TRICARE Reserve Select Coverage.
Finally, we have individual plans. So in the commercial side where a young adult
dependent can remain under their parent’s commercial health plan. For the TRICARE
Young Adult, it is an individual plan and that is by statute. Finally, DOD was directed to,
from the statutory language, to provide TRICARE Young Adult coverage, but it’s a full cost
premium. That is it will cover the anticipated healthcare cost, plus a small fee for
administrative cost. Next slide please.

Slide 5

Mark Ellis: OK so, TRICARE Young adult, I like to call it the umbrella coverage, in that
TRICARE young adult is not a new TRICARE plan, but rather it offers the TRICARE coverage
to which the dependent would otherwise be eligible had they not aged out. So you can
purchase specified TRICARE coverage based on the uniformed service sponsor’s eligibility
and enrollment status in the geographical location of the dependent. So in the Spring of
2011, we’re going to offer TRICARE Young Adult coverage only for TRICARE Standard
Plans, and that would be TRICARE Standard, TRICARE Overseas Standard, TRICARE
Reserve Select, and TRICARE Retired Reserve.
In the Fall, we are going to offer all the other TRICARE Prime Plans, TRICARE Prime,
The Uniformed Services Family Health Plan, TRICARE Active Duty Family Member Prime
Remote, TRICARE Overseas Prime and TRICARE Overseas Prime Remote. And so, we have
to look at the uniformed service sponsor. The uniformed service sponsor must be eligible
for health care coverage, TRICARE Health Care coverage. If the uniformed service sponsor
is not longer eligible for DOD Healthcare, and that includes those sponsors that are
purchasing continuing health benefits coverage. Then, the young adult dependent, even if
they are under the ages of, over the age of 21 or over 23 as the case may be, and under 26, if
the sponsor is not eligible for care, the young adult dependent is also not eligible for care.
 And so you must also meet the specific eligibility requirements of the health plan
that you wish to purchase. So, initially for in the Spring of 2001, TRICARE Standard is
available to any beneficiary world wide. TRICARE Overseas Standard is available for
beneficiaries that are living overseas. TRICARE Reserve Select and TRICARE Retired
Reserve are only available to young adult dependents who have reserve component
sponsors who have purchased either TRS or TRR coverage. Next slide please.

Slide 6

Mark Ellis: So there’s a phased implementation that TRICARE Young Adult Program. In the
Spring of 2011, if desired, you can start coverage when we start and you can do that
prospectively. I.e. you will send in an application form with three months worth of
premiums. And you can start your coverage if you send in your paper work and your
premium payment before the first of the month; it will start the first of the month. So as an
example, if you send it in on the 15th of April, and it’s received by the contractor on the 15th
of April, your coverage would start at the first of May. However, the statue also directed the
department that started the same time as the rest of the statutory start date for extended
dependent coverage which is 1 January 2011. If desired, and I emphasize, only if you desire,
you can purchase retroactive coverage back to the first of January. Or whenever you first
became eligible, whichever is later. So for example, if your sponsor was eligible for
TRICARE coverage, and you have health care costs that you believe it will be beneficial to
pay the back premiums from the affective start date back to 1 January 2011, you can
purchase coverage back to 1 January 2011. However, if your sponsor only was eligible for
TRICARE coverage say on the first of February, you can only purchase coverage back to the
first of February.
Our caution is this, the statue allows retroactive coverage, but please consider
carefully your circumstances. You may have coverage under your parent’s commercial
health plan. You may have a COBRA State Plan that may be more beneficial in terms of cost
or coverage, you may have a school plan that is providing coverage so we encourage you to
carefully consider what your options are while, if your eligible for TRICARE Young Adult
certainly then you can certainly purchase it. But we urge DOD beneficiaries to be wise
consumers and evaluate your circumstances. For those that want to purchase retroactive
coverage, carefully consider the amount of the retroactive premiums, the deductibles you’ll
pay, and the cost shares you’ll pay versus the out of pocket expenses you would like to file
retroactively for TRICARE claim coverage.
So TRICARE Standard coverage will include access to Military Treatment Facilities,
and once you purchase coverage we highly recommend that you go get a military ID card.
Now, TRICARE Young Adult is a little bit different. Uniformed service sponsors usually go
to a personnel, military personnel office, a RAPIDS ID issuing facility and get their ID cards
updated first and then they are eligible for coverage. With TRICARE Young Adult everybody
is ineligible for care unless they purchase coverage in the DEERS database. So, once you’ve
purchased coverage, then you will be able to go to a RAPIDS site, and the sponsor and the
dependent will get an ID card issued. So it’s a little bit different, it’s a little bit backwards
but we certainly encourage, once you purchase coverage please go get a military ID card.
You’re going to need that to get into the Military Treatment Facilities. And the ID card is
highly useful when you see civilian providers since all the information that they need to file
health care claims is actually on the ID card. Next slide please.

Slide 7

Mark Ellis: So phase two will offer the Prime plans in the Fall of 2011. The Prime plans are
just a little bit more difficult to deal with from the system and process changes. However,
once we offer the Prime plans for purchase, those who originally purchased TRICARE
Standard coverage can switch. There is a difference in the premiums, a slight difference in
the premiums. However, with the TRICARE Prime plans we will not offer retroactive
coverage. Next slide please.

Slide 8

Mark Ellis: So eligibility, you can purchase TRICARE Young Adult coverage if you are all of
the following:
- You’re a dependent of an eligible uniformed service sponsor
- You’re unmarried
- At least age 21, or age 23 if you have been enrolled in a full time course of
study
- And if your sponsor provided at least fifty percent of your support

But then you aged out at age 23, either you turned 23 or you graduated from college
and you lost coverage a little bit earlier than that, but you haven’t reached age 26 yet. You
are not eligible to enroll if you are enrolled in an employer sponsored health plan, either
enrolled or eligible. You’re not otherwise eligible if you are eligible for any of the TRICARE
coverage.
There are some specific instances of eligibility that deal with the sponsor. As I said
earlier, if a young adult dependent is a dependent of a reserve component member who is
eligible for TRICARE Retired Reserve or TRICARE Reserve Select, that those sponsors must
be enrolled in those programs in order for the young adult dependent to have eligibility to
purchase coverage.
There are other specific eligibility requirements for survivor dependents, but in
general, those eligibility exits, are the same business rules for those that are still under age
21 or age 23 if the case may be. So let’s talk about how all this goes down.

Slide 9

Mark Ellis: So, purchasing coverage. We offer open enrollment. So if you qualify you can
purchase coverage at any time. To purchase coverage, you download the TRICARE Young
Adult Application form from the TRICARE or the regional contractor’s websites. You deliver
the completed application to a TRICARE Service Center; you can mail it to the regional
contractors.
The application must be completed by the young adult dependent. Let me
emphasize that again, the application must be completed and signed by the young adult
dependent. The reason is, is we need attestation statements signed that they don’t have
employer sponsored health care, that they’re not married and that they’re otherwise
qualified to purchase coverage. The application must include three months worth of
coverage. If you want retroactive coverage the back premiums must be included with the
applications as well. After the initial three month payment, which can be made by check,
money order, credit card, debit card, or money order. After that, automatic payments are
required, and so automatic debits from electronic funds transfer from a savings or checking
account or off a credit or a debit card are required.
And in the unlikely event that the dependent is not in DEERS, we believe that that
there is a 99.99999 percent chance that if you aged out of TRICARE the young adult
dependent is still in the DEERS database. But things happen and so, the contractors, when
they receive your application, if there is any issues in regards to whether or not they are
capable of completing the enrollment transaction in the DEERS database, you will be
notified. But we believe pretty much anybody that who has formerly been a dependent is in
the DEERS database. Next slide.

Slide 10

Mark Ellis: Now I’m on slide 10. So, I want to talk a little bit, I want to talk a little bit about
TRICARE Young Adult and the Continued Health Benefit Program. Now the Continued
Health Benefit Program is available to any military beneficiary who loses their TRICARE
coverage. Although it’s not exactly that, it is COBRA like coverage, which is transitional
temporary coverage until you find other commercial insurance after you lose TRICARE
coverage. So we believe that there are about thirteen hundred or so young adult
dependents that may have aged out of TRICARE, who we believe the uniformed service
sponsor may still be eligible for care, that need to transfer out of CHCBP and if they desire
enroll in TRICARE Young Adult. As I said, previously, if you are eligible for TRICARE Young
Adult, you can’t be enrolled in CHCBP. So those dependents that are currently we believe
that are in CHCBP and might be eligible for TRICARE Young Adult, they will get a letter in
the next week or so advising them that TRICARE Young Adult is coming soon and that they
should contact the contractor, either the CHCBP contractor or the regional contractor to get
more information about TRICARE Young Adult, determine if they are eligible, and if
necessary, send in the enrollment applications to affect that transfer.
The CHCBP deductibles in the catastrophic caps, the amounts that are credited to
those claims during the timeframe that the young adult dependent was in CHCBP will not
carry over because CHCBP is not a TRICARE program. It’s sponsored by DOD but it is not a
Title 10 program it is a temporary health program that’s authorized by statutes so that’s
the reason. Next slide please.

Slide 11

Mark Ellis: So once you enroll in TRICARE Young Adult, you will receive a welcome letter
and enrollment card once you are enrolled. After your enrollment, after you get the letter
please, uniformed service sponsors please take your dependent to the nearest RAPID ID
card issuing facility and obtain an ID card for the young adult dependent. And after your
application and payment are received, TRICARE Standard will begin the first day of the
following month, unless of course you purchase retroactive coverage. Next slide.
Slide 12

Mark Ellis: So let’s talk about, I want to just briefly reiterate what we talked about with
retroactive coverage. You can purchase retroactive coverage back to 1 January or when
first eligible after 1 January whichever is later, as long as you are eligible for coverage on
that date, and all of the premiums are paid up, back premiums are paid up until the date of
coverage plus three months in advance, as long as you are eligible for three months in the
future. And we believe that there might be some young adult dependents that might desire
retroactive coverage but may age out; they may age out at 26 and only have two months
left instead of three months. So we will ask for three months worth of premium unless
there is a reason why you are not eligible three months in advance.
So again, please carefully weigh your our of pocket costs of care while not insured
versus the TRICARE Standard retroactive coverage. Don’t forget to add back in your
TRICARE Standard deductable and cost shares. You can call the regional contractors and
have a dialogue with them as to what your out of pocket expenses were. Remember
TRICARE doesn’t cover everything but we cover most things. So, please talk to the
contractors, they will be able to provide you guidance and council as to what is a covered
benefit.
So to be reimbursed for retroactive claims you should keep receipts for care
received and to be reimbursed for covered services. And again retroactive coverage ends
30 September.

Slide 13

Mark Ellis: So, the number one question that I suppose you all piled in to ask, and I’m sorry
I’m not going to be able to relate it probably until another week or so. But we believe we
are going to start in the Spring. We hope to do that very soon. The cost, the premiums are
still not been approved by the DOD leadership but will likely be in the next week or so. So if
you have not already gone to the www.tricare.mil/tya, please go to the website and sign up
for the email list. At last count we had about 14,000 people sign up for the TRICARE Young
Adult email list. And as soon as the premiums are announced and as soon as the start date
is announced that email list will be humming on the internet. So, if you haven’t done that
already please do so.
So, the premiums will be announced shortly. The premiums are adjusted annually as
of the first of the calendar year. Ongoing premiums must be paid in advance by automatic
payment. And the premiums themselves as for TRR and TRS as well, premiums are not
accredited to deductibles and catcaps as they are for the enrollment fees for TRICARE
Prime. The cost shares are the same as you know now for TRICARE Standard. The cost
shares when we start TRICARE Prime will be the same cost shares as for TRICARE Prime.
So we tried to make this as easy as possible to understand. The TRICARE cost shares do
contribute to the individual and family deductibles and to the family catastrophic caps. So
what we tried to do is to bring the TRICARE Young Adult, the young adult dependent back
under the family and under the sponsor’s health plan. So all the costs except for the
premiums are credited back appropriately. This is if they haven’t aged out. The deductible
does vary according to the sponsor’s category. There is more information on the website at
www.tricare.mil/costs. The next slide shows you the TRICARE Standard extra cost shares
and deductibles.

Slide 14

Mark Ellis: As I said, nothing is changed here. They are the Standard TRICARE Standard
and extra costs. The difference between TRICARE Standard and TRICARE Extra is if you are
a TRICARE Standard beneficiary, but you go see a network provider, you do get a discount.
Next slide.

Slide 15

Mark Ellis: So, let’s talk about, you signed up for TRICARE Young Adult and now you want
to terminate it. There’s some things to consider when you are terminating, there are a
couple things to think about when terminating your TRICARE Young Adult coverage. You
can choose to end at any time you want by submitting a termination request to the regional
contractor. In fact, the application to start your TRICARE coverage is also the same form
you can use to switch from TRICARE Standard to TRICARE Prime and depending on your
eligibility for those plans. But it is also the same form used to terminate your coverage.
However, if you voluntarily terminate your coverage, a lockout is going to apply for one
year if you voluntarily terminate coverage, or if you fail to pay your monthly premiums.
The bottom line answer is we’re not going to allow beneficiaries to bounce in and out. So if
you are going to purchase us you are going to stay with us. And if you choose to go
elsewhere you are going to remain locked out for one year. That’s pretty much the same
business rule in administrative process, in regulatory process we follow for other TRICARE
plans where you fail to pay or you terminate early.
However, if you become eligible for another TRICARE plan, or if you are eligible for
or enrolled in an employer sponsored plan, there will be no lockout that will be applied.

Slide 16

Mark Ellis: So coverage does end when you reach your 26th birthday, you get married, you
become eligible for an employer sponsored health plan, you gain other TRICARE coverage,
or you lose eligibility because your sponsor loses eligibility. And so, that’s pretty automatic
if your sponsor loses eligibility for TRICARE that’s an automatic transaction that happens in
the DEERS database. And the young adult dependent will also lose coverage effective that
same day. So after you lose TRICARE Young Adult eligibility, you may then be eligible to
purchase continued health benefit programs for dependents purchasing individual
coverage in the CHCBP, the statutory authority exists for six months of coverage. A little bit
more expensive than what TRICARE Young Adult is going to be, but it also offers that
transition for military beneficiaries who lose their TRICARE coverage to transition to other
health insurance. So when you lose TRICARE you’re not uninsured. You don’t have to be
uninsured when you leave TRICARE.
OK so, my good friend Francine here has been typing furiously away and there are
questions she needs to ask.
Francine: Hey Jane this is Francine and it appears that you are ready to forward some of
the questions or bring them to the front, discuss some of the questions that have been
asked on the site?

Interviewer Jane: Yea I can go ahead and pose them to you and if you guys are ready. We
have some quick things to get out real quick here. I can probably try to type it up on this
site but Mr. Ellis, can you give us the address, the website again where they can sign up for
the newsletter?

Mark Ellis: www.tricare.mil/tya. And please sign up for the email alert.

Interviewer: OK, I’m also going to add up here on the screen, in a second, the email
address that folks that are on the phone and not able to ask a question, where they are
maybe able to submit some questions afterwards. A couple of had come up about the ID
cards. For instance, if you are a 23 year old out of college can get a military ID, there were
just concerns about that particular aspect of it. Can you address that again?

Mark Ellis: That’s a good question, so normally; those who age out of coverage and not
only lose their eligibility not only for medical but dental and everything else that comes
along with the dependent ID cards that’s normally true. And so we are changing the
business rules. We partnered with The Defense Manpower and Data Center and the Service
Personnel Offices to ensure that once you purchase coverage there will be automatically in
the DEERS database a segment that when you walk into the Service Personnel Office,
otherwise known as the RAPIDS ID Issuing Facility, that there will be a segment in the
DEERS database that allows you to get a military ID card for your dependent. So once
coverage is purchased the ID card will be issued. The expiration date will be the date that
the dependent will lose coverage due to age 26 or the date that the sponsor will lose
coverage, whichever is earlier. And so the ID card will have an expiration date that might be
longer than what your coverage is. And so, for uniformed service sponsors as when your
dependent is aged out at age 21 or 23, the personnel folks tells us its your responsibility to
turn that ID card back into the personnel office. The ID card is only good for medical care.
Extended dependent coverage does not include dental and it doesn’t include any other
eligibility for services that normally a dependent would be eligible for like, PX Commissary,
and MWR ect.. This ID card is expressly limited to medical care only. Alright next question
please.

Interviewer: And so that kind of question actually came in. Will they be issued a different
kind of ID card?

Mark Ellis: No, they will be issued the standard DD Form – 1173 dependent ID card that
they previously held. The only difference will be, for these dependents, their SSN will not be
on the military ID card. Those were moved several years ago. And for those going in for
new ID cards the sponsor’s SSN starting in the end of May, the sponsor’s SSN will not be
listed either. The DOD has started a SSN reduction program for military ID cards and so
there is another number that will be put on the military ID cards for the sponsor on the
DOD benefits number. For those sponsors that remember the old days of having service
numbers it’s sort of like that, but it’s a lot longer.

Interviewer: OK, does age include 26, or does it end on the 26th birthday?

Mark Ellis: Like it ages out at midnight the morning you turn 21 or 23, the same is true for
age 26. So at midnight the day before you turn 26, when it turns 12:01am you are no longer
eligible for TRICARE Young Adult. That is statutory with the commercial side as well.

Interviewer: OK, can you explain the exclusion end date? Again excluded if the adult child
is eligible for own employer sponsored health plan and the exclusion ends on January 1,
2014?

Mark Ellis: So, on the commercial side for non military families, health plans can currently
exclude up to 1 January, 2014. Beneficiaries, young adults going on their parents
commercial plans, they can be excluded from their parent’s commercial health plans if the
young adult dependent has their own employer sponsored health care, is eligible for or is
enrolled in. However, January 1, 2014 that exclusion on the commercial side will no longer
exist by law. What that means is after 1 January, 2014, again on the commercial side only, it
doesn’t matter or not whether the child has his own employer sponsored healthcare. He or
she has their choice, they can purchase their own employer sponsored health care through
their employer or they can stay on mom or dad’s commercial health plan. It’s their choice.
However, the DOD language since Title 10 was a little bit different. There is no sundown
date and so for DOD unless the law is changed, we will continue to ask young adult
dependents, do you have, or are you eligible for employer sponsored health care. And if the
answer is yes we will not allow you to purchase TRICARE Young Adult coverage.

Interviewer: OK, so there is actually a request if we could back up to the comparison slide
while we are asking some of the questions?

Mark Ellis: OK.

Interviewer: And I think is that slide 14?

Skip to Slide 14

Interviewer: OK so, if a dependent reaches 26 before the program starts, can they get
retroactive coverage?

Mark Ellis: If the uniformed service sponsor was eligible for TRICARE and they choose to
purchase retroactive coverage, and that coverage is purchased before September 30th,
2011, the answer is yes. But they can only purchase coverage from the date of loss of
eligibility backwards. But again, the council here is that you need to carefully consider that
because you are going to pay the back premiums, and you need to carefully consider
whether or not it is cost effective to do so. Factoring in that you are going to pay a TRICARE
Standard deductable and you will have cost shares depending on the beneficiaries’ status;
either 15 or 20 percent of the cost share after the deductable is met. So you just need to be
careful when you think about that. But for those, once you hit age 26, you hit 26. And if you
turn 26 after Sept. 30, 2011 there is no more coverage.

Interviewer: There is a follow up question to that Mark that says basically, “if I wanted my
child covered now, I would have to purchase all the back premiums from January on, I
would have to purchase all the back premiums until now or until June, plus I would have to
purchase June, July and August coverage as well?

Mark Ellis: That is correct. So, yes.

Interviewer: OK, if we purchase insurance for a young adult do the deductibles that we
have currently paid count towards the TRICARE deductible for this year?

Mark Ellis: An excellent question. So, let me handle that in a couple different fashions.
First, if you purchase commercial coverage during the timeframe you get TRICARE
coverage because you aged out. The DOD will view that, number one, we will not reimburse
you your premiums. Number two, you can elect to purchase TRICARE Young Adult
coverage. But if you had a commercial health plan that was in effect at the time that you are
purchasing for TRICARE Young Adult coverage, you are purchasing double coverage. You’re
paying double premiums for the same coverage period. The second thing is, TRICARE
Young Adult if you have employer sponsored health care then, because we will not allow
you to enroll. But say you had some other commercial plan, a COBRA plan, or a school plan,
or something along those lines, TRICARE by law, to most commercial insurance, we are
secondary payers so you are going to pay premiums for two different health plans, and
TRICARE is only going to pay, likely the lesser of what the other plan didn’t first pay. So that
is a difficult situation. Now, I think the question though was “if I had TRICARE coverage in a
fiscal year and then I aged out would I come back into TRICARE by purchasing TRICARE
Young Adult coverage?” The deductible and the contributions to my catcap do they come
back? The answer is yes. If you had a TRICARE health plan during the fiscal year, then you
lost coverage, and then you purchased TRICARE Young Adult coverage we will [Inaudible
because of background noise].

Interviewer: I’m sorry. It looks like we just had some folks join and they weren’t on mute.
I’m sorry. Star 6 is going to mute your line. And so if you joined the call a little bit late that
may be your circumstance if you can just hit star 6 that will reduce some of the background
noise in the call.

Mark Ellis: And so to close that discussion, so if you had TRICARE Young Adult coverage in
this in this current fiscal year and you lost coverage but then you purchased TRICARE
Young Adult coverage your previously paid deductible and contributions to the
catastrophic cap will be restored.

Interviewer: OK thank you. CHCBP, there is a number of questions that came in for that.
Does it become available again if she lost it because of other coverage that she no longer
has after she aged out the first time?
Mark Ellis: Say that again Jane.

Interviewer: Oh you know what; I think it was a second part to a question. Let’s see here.
OK, oh I see, OK. As a retiree with a dependent aged 23 who currently is enrolled in CHCBP
is there any insight into the TYA rates for the comparison, whether I should just leave my
dependent on CHCBP or terminate that and begin TYA?

Mark Ellis: I am sorry I can’t at this time. But it will be known in about a week.

Francine: It has to transfer over to TYA though?

Mark Ellis: Yes, they will and I guess I’ll just say that I find it beneficial to switch from
CHCBP to TRICARE Young Adult. And the background of that is the continued health benefit
program to health insurers it is a transitional healthcare program, but it is a, it is the most
from the health insurers perspective it’s the worst risk you want to take. CHCBP is the plan
of last resort and often time’s people will buy the CHCBP coverage because they have uh
current healthcare problems or they are preexisting conditions where they don’t qualify for
commercial health coverage right away. And so they’ll often buy CHCBP because it is the
plan of last resort and it may be the only health plan that they qualify for when they lose
TRICARE coverage. So the general answer to your question you will find it financially
feasible for the young adult dependants that qualify to switch from CNCBP to TRICARE
Young Adult. Beyond that I’m just gonna stop talking. Next question please.

Interviewer: If you buy the young adult, the TYA program for three months and then
become eligible for employer healthcare coverage and thus terminate before the end of the
three month coverage, do you get reimbursed at all for the remainder of the premiums
you’ve paid?

Mark Ellis: Good question. We statutorily can’t charge you a premium when we are not
providing you coverage. So the answer to the question is yes. If you, if you write us or call
us and you say, ‘I have employer sponsored healthcare, and I’m, can I get my two months
worth of premiums back?’ the answer is yes. So, properly completed TRICARE Young Adult
Termination requests with the date, signature from the young adult dependant certifying
that he used employer sponsored health care we will then process that and the contractor
will prorate to the day the premium refund. Excellent question.

Interviewer: Mark I'm looking at some of the questions and also it’s that whole thing of the
family is Prime and this young adult is Standard. Is that correct?

Mark Ellis: Right, that is true. So, let’s talk about that. So, many military families, I guess
the number is up to about 4.6million, TRICARE eligible beneficiaries are enrolled in
TRICARE Prime. The active duty sponsor does not pay an enrollment fee, but retirees and
survivors do pay an enrollment fee. And so that remains statutorily required. However, the
TRICARE Young Adult dependant, as I said, gets individual coverage, although, we for for
cost shares and deductibles, and catastrophic caps we put that TRICARE Young Adult
member back under the sponsor for those cost shares. However, it is statutorily required
that we charge a premium, a monthly premium to purchase coverage. And so they are, yes
there will be instances when military families will be paying an enrollment fee, in fact they
will be paying a family enrollment fee and at the same time, they may have one or even
more than one adult dependent premium, monthly premiums, will be required.

Interviewer: And there is another question here in the queue Mark, that says basically, I
purchased some health insurance now for my child, if I retroactively purchased TYA, would
TRICARE be second payer to those claims that I have already paid?

Mark Ellis: Yeah.

Interviewer: Would I just have to then file claims to get reimbursed?

Mark Ellis: Yes. But in that instance think about this. TRICARE in general, if it’s a TRICARE
covered service and another commercial plan has paid, it’s likely that the cost benefit of
paying the retroactive premiums will not give back the amount of money that you expect to
get back from filing the claims with TRICARE. So again, If you, if you are considering
retroactive coverage please please please take a look at the cost of the premiums, and
consider the TRICARE deductable, consider the cost shares, and if you’ve paid for a
commercial insurance, consider how much is left over and if its less than, if the, if those
amounts are less than the amount on the retroactive premiums.

Interviewer: I could purchase TYA Forward then?

Mark Ellis: Yeah, you could purchase TRICARE Young Adult Forward, that is true but in
general, it doesn’t make financial sense to do so. But you know, we will process your
application, and we will take your money because you’re statutorily eligible. So, we don’t
know the circumstances by which you are applying for. We do require that you do the
normal things that you would do with the TRICARE Health Plan. To file a claim you would
submit a claim form to the contractor with a copy of the bill. If you had commercial health
insurance during the timeframe that the young adult dependent was ineligible for TRICARE
coverage, you would also have to provide a copy of the explanation of benefits that the
commercial insurance company issued you so TRICARE can then see how much statutorily
they can pay for the rest of the claim.

Interviewer: What happens if my, one of the questions that came in is what happens if my
child works part time and has catastrophic coverage but doesn’t have full benefit coverage,
healthcare benefit coverage? Is that still considered employer sponsored healthcare
coverage?

Mark Ellis: That’s a good question. And we will have to take that one and put it out as a
frequently asked question. So you’ve exceeded my limitations on what my general counsel
allows me to say. So, thank you that is a very good question. My colleagues and I will put
that as a frequently asked question. So, on the TRICARE website, www.tricare.mil/tya,
there will be extensive, once we start the program, there will be extensive Frequently
Asked Questions that deal with sort of the nuances individual beneficiaries situations and
as they relate to eligibility and enrollment so my colleagues are fiercely writing. I’m
thinking they are.

Interviewer: A couple of other ones, a general theme, dental coverage for these children
ever?

Mark Ellis: Statutorily, that in fact that’s true for the Affordable Care Acts; the Affordable
Care Acts specifically says medical coverage. And so the statutory authority for the
Department of Defense as well is medical coverage only. To my knowledge there are no
pending bills in congress that would authorize us to extend coverage to dental.

Interviewer: And another one is, like how, how do we know if a child has other health
insurance? Are we going to be monitoring that? What are we, should we go back to your
attestation statement that?

Mark Ellis: It does, in fact it is currently how we handle other health insurances at this
particular point in time. Is, is that we become aware of other health insurance because of a
military sponsor or the dependent tells us. In this particular case for TRICARE Young Adult,
whether they have other health insurance or whether they have access to, or eligibility for
our employer sponsored healthcare is an attestation statement. It is a federal crime to lie to
us. So please don’t do that.

Interviewer: Then lets say again, because of the volatile job market etc. my TYA child, I
sign them up, they get a job, they get employer sponsored health care coverage, then lets
say they loose that at 25. They received unemployment maybe even for just a summer, or
for a year and now they lose it. Can they purchase TYA again?

Mark Ellis: Absolutely, if they ended their TRICARE Young Adult coverage because they
became eligible for another TRICARE plan or if they became eligible or are enrolled in an
employer sponsored healthcare, healthcare plan, they can terminate TRICARE Young Adult
coverage or refund the appropriate amount of premiums, over paid premiums, and they
will go on their way. If they lose coverage at a later point in time, uh they can come back to
TRICARE Young Adult. They will have to sign the attestation statement again that says, ‘I
don’t have employer sponsored health care anymore, and upon payment of premiums their
disenrollment reason will be entered into the DEERS database when they leave TRICARE
Young Adult and so we will know the reason that they ended without a lock out and as long
as they attest again that they are not eligible for or enrolled in employer sponsored
healthcare, they are re-eligible as long as the uniformed service sponsors is still eligible for
TRICARE and they are under age 26.

Interviewer: So there’s a couple…..

Mark Ellis: And they didn’t get married, and they didn’t get married.

Interviewer: Yeah there is a couple of other questions, again back to this CHCBP coverage,
lets say I was, my child someone got actually one of those letters saying that you will have
to go to TYA if your child remains eligible and you will transition out now. Is the
understanding that they will have to enroll in TYA and then be disenrolled from CHCBP will
they then retro their enrollment back to January or no?

Mark Ellis: No

Interviewer: OK, how does that work then?

Mark Ellis: So what we plan to do is if you’re eligible for TRICARE Young Adult, you’ll
submit an uh application. Um and the reason we can’t do this automatically is we don’t
know some circumstances and we need the young adult dependents to attest to some
things that are statutory. So we gave some thought to just switching everybody and sending
them an amended bill. But the problem is we don’t know whether or not certain things
might exist. We don’t know what they have access to or are enrolled in employer sponsored
healthcare, and we don’t know if they’re married. And so, the attestation statements on the
application allow us to determine the eligibility for TRICARE Young Adult. So, to transition
out of CHCBP you’ll submit a TRICARE Young Adult application. There will be a little bit
more hand holding in terms of we have one single contractor that handles the continued
health benefit program so wherever you are in the world you’ll submit an application to a
regional contractor who then collaborates with Humana Military Health Services who
manages CHCBP. They’ll, they’ll disenroll with CHCBP and then your regional contractor
will then start your TRICARE Young Adult coverage.

Interviewer: So if I had had a procedure covered under CHCBP, I won’t necessarily get
reimbursed for that, my TYA coverage would just start once this thing transitions over
essentially.

Mark Ellis: Right. And one of the reasons that we are transitioning with only TRICARE
Standard is because it makes it easier coming out of CHCBP. You pay the appropriate
amount of cost shares under CHCBP and your provider got paid the appropriate amount
based on your military status, your sponsor status your costs and your deductibles, so
everybody remains whole. Everybody got paid or had to pay the right amount, and then
when you get into TRICARE Young Adult you start TRICARE Standard.

Interviewer: Now a lot of people are asking about the enrollment form and how can they
apply?

Mark Ellis: So the enrollment form and application form will be available on the
Tricare.mil website it will also be available on all of the manager support contractor and
the regional support contractor’s websites so that’s HealthNet in the North, TriWest in the
West and Humana Military Services in the South region and International SOS in the
overseas areas. And so, those forms will be adapted so that when you’ve complete them
they’ll be able, the address and phone numbers and websites will be appropriate for the
region website that you went to. The form will also be available on the beneficiary web
enrollment application. There will not have to be at this particular point in time a log on
and a password to get in to the beneficiary web application. But any of those websites
download the appropriate form. If you come into the Tricare.mil website you will be asked
some demographic information. Are you a TRICARE Young Adult Dependent? You will also
be likely asked your zip code so we can then provide you the correct information for your
particular region. And so you will get the right enrollment forms so you don’t send it to the
wrong contractor which kind of delays your application.

Interviewer: I think a lot of the questions there’s the sense of you know where is the form
and why cant I think, I think they think they can enroll now and that is not the case but…..

Mark Ellis: Right. That, that’s not the case at the moment. The form itself has to be
approved by the office of management budget, and that’s one of the things we are waiting
for is approval of that. It’s expectant in the near future. And as soon as that is approved and
released and the premiums will be off and running.

Interviewer: Looks like another one is, this one I’m not exactly sure has been thrown in
and says will the TYA work with ID cards for incapacitated adults?

Mark Ellis: Nothing changes for the incapacitated adults. The extended dependent
coverage did not raise the age of incapacitated dependents. So incapacitated dependents
remain incapacitated according to the service personnel rules. So if they are an
incapacitated dependent and they are issued an ID card from a uniform service facility that
has managed the application for incapacitation. So nothing changes in that regard.

Interviewer: But otherwise, if they had really met all of the qualifications of being
incapacitated they still could apply for TYA and they will have met all their criteria.

Mark Ellis: So if they lose their incapacitated status and they are somewhere between 21
and 26 they can then apply for Young Adult coverage.

Interviewer: And then one other question was just, I think it’s a good one too, it says that
you know we are enrolled in Prime, we have our premiums that we are paying in our
catastrophic cap. Now we are going to have a child in TYA. How, how much are we, am I
going to pay two separate catastrophic caps or how does all that work?

Mark Ellis: No. Ok good question, so when the young adult dependent comes back,
depending if they had coverage in the current fiscal year, when everything is paid in terms
of cost shares would apply to their individual deductable and would apply to the family
deductable and would have applied to the family catastrophic cap. The only difference is is
if they are coming out of CHCBP all of those contributions go to zero. So otherwise, if they if
they if they have made contributions in this fiscal year we haven’t forgotten about them
and they still remain. They currently are, if, if a dependent aged out in this fiscal year and
there were contributions to the family deductable and the family catcap those are already
existing. All we are really going to do is reactivate their individual deductable.

Interviewer: And another one here, I have a child who is under CHCBP but he is married,
he wouldn’t qualify then for TYA, would he?
Mark Ellis: He will not. He will not. One of the exclusions is marriage.

Interviewer: Everybody still asks about when are they going to know about the
premiums?

Mark Ellis: I……

Interviewer: And then a lot of people are saying, ‘Well our family is already Prime, does
my child have to be Standard’?

Mark Ellis: Yes, between the start gate and until the Fall, the answer is yes. The only thing
that we are going to offer that is available to TRICARE Standard. And one of the reasons is
this, it’s statutorily there are issues regarding TRICARE Prime that deal with pre-
authorizations and authorizations and manage care. And the fact of the matter is we can’t
do any of those things if it’s a retroactive. We just have to give it, make it waver. And in
some cases there may be issues with cost. So the bottom line answer is it is prudent for us
to offer it for TRICARE Standard at this time. And then I said, uh the complexity of the
TRICARE Prime you, several of your questions mentioned enrollment fees and premiums
for the same family. That is technically more challenging for us on the government side in
information systems both for DEERS and for the contractor’s system so we don’t, we do
want to get that right and its going to take more time to make that happen. So, for those
reasons, Prime won’t start until the Fall.
Now once we start that though if, if the dependent wants to be in Prime and they are
eligible for Prime based on the uniformed service sponsors status, and the geographical
location where Prime is being offered they can do that. But remember, for example, for
reserve component sponsors they’re only eligible for TRICARE Standard. You can’t, the only
thing you can have is TRICARE Retired Reserve or TRICARE Reserve Select, which is the
TRICARE Standard plans so for those beneficiaries, although they may desire it statutorily
but are not eligible for it, the DEERS Database will not allow them to in a plan to which
their not eligible.

Interviewer: OK, I am retiring and I have a daughter who just turned 21 and one that’s 23
am I paying premiums for both of them, or each of them, or am I paying for just one
premium for my children?

Mark Ellis: Statutorily, the answer is is that its individual premiums so for those that had
children really close together then they are now in the 21-26 range there are individual
premiums for each of the young adult dependents.

Interviewer: Let’s see, I’m trying to look at a few others um…..lets see. TYA becomes
available for Standard; can we get that and switch to Prime when it does become available?

Mark Ellis: The answer to that is you can do either. You can wait until Prime becomes
available in the Fall, or you can purchase TRICARE Young Adult coverage, and then when
Prime becomes available its just a matter of submitting the TRICARE Young Adult
application form marking transfer and then we will switch the adult dependent to a Prime
plan that they are eligible for.

Interviewer: But then I will have to pay a different premium depending on what plan my
child is in?

Mark Ellis: Right.

Interviewer: I’ll have one premium if they are Standard; I’ll have one premium for TRR,
another one if they are Prime?

Mark Ellis: No

Interviewer: No

Mark Ellis: No let me answer that question. That part I can’t answer without divulging……

Interviewer: I’m not asking for the numbers.

Mark Ellis: OK. Alright thanks Francine. Alright so, to answer the question clearly, there is
one premium for TRICARE Prime plans, there is a separate premium for TRICARE Standard
plans. And so, there is no, although the cost shares are different, by the sponsors status, the
premiums themselves there is not a premium for active duty family members versus
retired family members. There are premiums for the TRICARE Standard Plans and there’s a
separate premium for TRICARE Prime Plans.

Interviewer: Can I also talk a little bit about this getting dependent ID card and you talked
about how the sponsor probably needs to accompany that child. What happens if that child
is, in this particular example that I’m looking at is in Alaska, and the sponsor maybe lives
here in Virginia.

Mark Ellis: So, each of the services, military services have their own processes to follow
when a sponsor and dependent can’t show up at a RAPID site at the same times. So,
typically, you need to find a RAPID, the military sponsor/uniformed service sponsor needs
to go to a RAPID site of their own uniform service and work that out. So, if your Army, you
need to go to an Army rapid site, and tell them your circumstances and they can work
through that. Each of the services has different business rules, so please contact your
service personnel office for assistance. This is not atypical, that is why these business rules
exist. But the ID card processes belong to the military services. Good question.

Interviewer: There is another one that is kind of a unique situation. I’m going to read it
because I don’t know the details always. If my child ended up becoming covered through
Medicaid due to a preexisting disability, and I paid three months premium to TYA, and now
they become covered through Medicare, will that affect, will I be able to get the premium
paid upfront if Medicaid, if the Medicaid coverage is affective before the end of the three
month period ends?
Mark Ellis: So, the business rules associated with Medicaid and Medicare; do not change
with TRICARE Young Adult. They are statutorily still the same because TRICARE Young
Adult is entitled to healthcare programs sponsored by the Department of Defense. So, for
Medicaid, TRICARE is always the secondary payer.

Interviewer: OK

Mark Ellis: Our Primary, I’m sorry our Primary is paid for by law for Medicaid. So, if you
purchase TRICARE Young Adult coverage, TRICARE will be a primary payer, Medicaid will
be a secondary payer. Now for if the young adult dependent is eligible for Medicare, part A,
in order to purchase TRICARE Young Adult coverage, they must pay their part B premiums.
Otherwise they are not eligible for TRICARE Young Adult. And so, carefully consider the
circumstances that you’re in, but in general we follow the same business rules that we
currently do for both Medicare and Medicaid.

Interviewer: OK, so the child and the parent can live in different regions. Child comes
home, access to an MTF is that problematic?

Mark Ellis: No. In fact let me cover that in a couple different ways. First, it doesn’t matter
where the dependent is, just in terms of, again, what are, what TRICARE programs, are they
are they eligible to purchase depending on the uniformed service sponsor. And also where
they live.
And so let me use kind of an odd example and just kind of illustrate the point. Say
the sponsor is an active duty service man and he is enrolled in TRICARE Prime Remote
because he’s away from a military instillation. If the young adult dependent is living in the
same household with that active duty serviceman, or in that TRICARE Prime Remote
location, the young adult dependent can purchase TRICARE Prime Active Duty Family
Prime Remote coverage. Uh as long as he keeps the sponsor. Alright?
So if you follow, if if you are eligible for TRICARE Prime Remote as if you never aged
out, then you can purchase that coverage. The other question I get often is, is, well my,
when my child was over 21 but under 23, the requirement for me to get the ID card
extended in free healthcare or Title 10 sponsored healthcare is the military dependent had
to be more than 50% financially dependent on the military sponsor. That requirement only
exists from age 21-23. And, it is only tied in when the dependent is attending a university
as approved by the Department of Defense. So if the child turns 22 say and is not going to
college, they are eligible for TRICARE Young Adult coverage. But there is no requirement
for the young adult dependent to be financially dependent on the military sponsor. Kinda
complicated.

Interviewer: I know Francine and I think that is going to be an issue with a lot of business,
you have to figure out how all of those rules apply. Now can I disenroll from CHCBP back to
January, get all those premiums back and apply them towards my TYA coverage. That’s not
what I heard you say before, it’s like once you enroll in TYA then it comes, TYA becomes
affective from that point forward.
Mark Ellis: TYA coverage……

Interviewer: …..and whatever happens with CHCBP is done and over with.

Mark Ellis: That is correct. That’s correct.

Interviewer: And this one, I’m not really sure I’m understanding the question but I’ll ask it,
it says, ‘I need to know if CHCBP becomes available again, if it was lost because of other
coverage after she aged out the first time. Maybe I had another employer, can I repurchase
CHCBP?’

Mark Ellis: If, if you left TRICARE Young Adult under normal circumstances i.e. you
terminated your coverage, you’re locked out for 12 months. If you didn’t pay your
premiums, you’re locked out for 12 months. If you terminated because you have eligibility
or are enrolled in employer sponsored healthcare or you are eligible for another TRICARE
plan, but then lose that coverage, either the employer sponsored coverage or the TRICARE
coverage, you can come back, and then you would be eligible for again the full force of you
know we don’t, I guess it might be if I used five months of CHCBP coverage and then get
TRICARE Young Adult coverage, do I need to get, um, 31 more months of CHCBP coverage.
No, the answer is with CHCBP if you lose title ten coverage and you’re not locked out of a
health plan, then you can purchase coverage.
So let me explain that in a different fashion, say the young adult dependent fails to
pay their monthly premiums or they, they terminate their, voluntarily terminate their
coverage. But so they are locked out for 12 months, and say they are only 25 but they have
locked themselves out from age 25 all the way to 26, can I purchase CHCBP because I
locked myself out? The answer is no your statutorily eligible for, you just happen to be
locked out of the health plan so you wouldn’t be eligible to purchase CHCBP coverage even
when you are, in this example have locked yourself out from 25-26. The statutory
requirement for CHCBP is you must sign up within 60 days of losing TRICARE coverage. In
this particular case you have locked yourself out until, until you are no longer eligible for
CHCBP. So carefully consider the circumstances on which you terminate your coverage.

Interviewer: Let’s say I had a child who didn’t purchase, my child didn’t purchase, or we
didn’t purchase CHCBP for my child once they graduated college.

Mark Ellis: OK

Interviewer: And right now TYA isn’t available, for more than 60 days, and you have 60
days to purchase CHCBP can I purchase CHCBP now or do I have to wait for TYA to start?

Mark Ellis: If you are currently eligible for CHCBP and you desire continuation coverage….

Interviewer: But I didn’t purchase it at the start because I didn’t have it.

Mark Ellis: You didn’t have it, but as long as you are within 60 days of loss of your normal
TRICARE coverage you can purchase CHCBP when TRICARE Young Adult starts and you
qualify, you can terminate your CHCBP coverage or refund the over paid premiums and you
will pay your three month premiums to start your TRICARE Young Adult coverage.

Interviewer: But if my child really had aged out, didn’t purchase CHCBP, it’s now been 120
days…..

Mark Ellis: The answer is…….

Interviewer: I would have to wait for TYA in order to get any kind of healthcare coverage
for my child?

Mark Ellis: Right.

Interviewer: Alright. And who pays first? Medicare? Like if you do have that child who is
Medicare eligible, who is the first payer? Does that work like TRICARE for young, um,
TRICARE for life.

Mark Ellis: Yes, Medicare will pay first and TRICARE, TRICARE Young Adult will pay
secondarily.

Interviewer: OK. Child got married, got divorced, could he then purchase, he or she then
purchase TYA?

Mark Ellis: The quick answer is it is if the military health system depends upon the
personnel community to tell us who is eligible and who is not.

Interviewer: Right.

Mark Ellis: So if they regain dependency status, and they are shown as eligible for to
purchase TRICARE Young Adult coverage then we will, the contractors will submit an
application and start coverage.

Interviewer: Would they necessarily have to show all that paperwork they got married
they got divorced or is that part of that attestation when they…..

Mark Ellis: You know it’s a, it’s an issue that if they were terminated due to marriage, they
will be shown in the DEERS database as being ineligible until determine otherwise. We
talked about a couple of instances where the sponsor may need to go to a RAPID site to
determine and establish eligibility. If there is a loss of eligibility that has been regained then
typically it’s going to require the personnel office to enter that status into the DEERS
database. Another example where we, we will likely not be able to effect an enrollment into
TRICARE Young Adult is if you marry and add step-children to the family that are over 21
and under 26. Because they were never in the DEERS database to begin with the military
sponsor is going to have to go and get that entered into the DEERS database and then we
will be happy to take your application.
Interviewer: That whole thing about Space Available Care also at an MTF. Our
understanding is that at a Military Treatment Facilities have to do this like registration in
order for someone to be seen at that MTF. And sometimes that Space Available Care there
is sometimes limited because of that. MTFs are not required to see TYA enrollees, are they?

Mark Ellis: So, good question. So, statutorily and regulation wise young adult dependents
enjoy the same access to care standards and eligibility for care at MTFs as if they had never
aged out. So what that means is if you have a 22 year old dependent young adult dependent
of an active duty sponsor, that young adult dependent will be eligible at the same level as
any other dependent from an active duty sponsor. Those that are enrolled in TRICARE
Prime will have a higher access priority for care than those who are in TRICARE Standard.
So, our starting the program and leading up to September TRICARE Standard is base
available access in all beneficiary categories by uniformed sponsor status. And so,
statutorily that remains the same. So, I would say your mileage may vary a little bit
depending on where you live, and from one MTF, Military Treatment Facility, to another.
You know medical centers tend to have greater access, small community hospitals tend to
have less. So if you are accessing care at a MTF, they will be able to tell you whether or not
uh TRICARE Standard beneficiaries can get appointments.

Interviewer: And so when I enroll at TYA, I enroll where the TYA, the young adults enroll
where he/she lives and whether or not it is available is geographically dependent on where
he/she lives even.

Mark Ellis: And when we start TRICARE Prime to continue that, where TRICARE, where
there are Prime Service Areas, and will determine whether or not the young adult
dependent, and again depending on the uniformed service sponsor’s status, and their
eligibility for particular health plans, they may be eligible to enroll in a Prime Plan that is
available in their area.

Interviewer: So this is…….

Man Listening via Teleconference: So Sir, I have a question that pertains to a 23 year old
uh college student. Uh can you hear me?

Interviewer: Oh yeah, you know what sir I’m sorry weren’t going to be taking any
questions through the phone, unless Mr. Ellis did you want to take this one? Or….

Mark Ellis: I’ll take this one. This one will probably be the last one we are almost out of
time.

Interviewer: OK

Man Listening via Teleconference: Well I have a 23 year old college student, will be 24
this year in 2011, he was, because he is a full time college student, he was TRICARE eligible,
he did not pick up supplemental insurance. Will he still be eligible for the TYA [inaudible]
for a college student full time. Will we have to wait for 12 months or is he eligible for the
program with out waiting?

Mark Ellis: Sir can you turn off your phone or computer or one of the two.

Man Listening via Teleconference: OK.

Mark Ellis: Um OK so if I understood your question correctly, he is currently enrolled in

college and he is under age 23. So he loses eligibility for normal TRICARE coverage either
when he turns age 23 or when he graduates college. Which ever comes first. At that
particular point in time he would be eligible to purchase TRICARE Young Adult coverage. If
he is going to lose it in the next month or so you may consider a continuing health benefit
program until the young adult is available for purchase.

Interviewer: Mr. Ellis, thank you so much. It sounds like that was that was going to be our
final question for the time being here. I did bring up a quality survey and I did put that in
the web link on the webpage there if you can take a moment to provide your feedback. In
the Q&A section I did enter both of the website addresses that you can keep posted on the
upcoming dates and everything that’s going to be announced. And that is at the
Tricare.net/tya and from that page you can sign up to be on their email distribution list for
all upcoming announcements. I did also, this is a quick reminder, I did email out to the
registration list a copy of these slides that we just reviewed. They came from
Jane.Dully@militaryonesource.com, so you can find a copy of that there. And Mr. Ellis and
Francine thank you so much for your time and efforts today. Do you have any other closing
comments that you would like to make?

Mark Ellis: Keep an eye on the website. The TRICARE Young Adult coverage has gained
considerable interest from the military community and so it will be publicized once it’s
announced. News releases will come out from the TRICARE Management Activity. We have
seen that when we have put out information, it is being picked up by national newspapers
and so I suspect you will hear it fairly quickly when it is announced. Again, a good way to
get the latest information is to sign up for the email list at www.tricare.mil/tya. I keep
saying that because my customers and communications folks are getting [inaudible].

Interviewer: Thank you, you guys, thank you so much. And I am going to leave the website
open so people can take a moment and complete the survey. Francine and Mr. Ellis thank
you so much. Everybody have a wonderful afternoon and we will be back here soon. Thank
you. Bu-bye.