Tricare

Terrible customer service! If you can keep your civilian insurance through your spouse, do it! I live in TX. I’ve had the same PCP for almost 3 years. I requested a referral to a specialist. My PCP granted it and Tricare approved it. I get to the specialist to find out it’s not approved because Tricare shows my PCP is a doctor in Louisiana! I’ve never even lived in Louisiana. I call Tricare from the specialist, am told they don’t know what happened; they fix it and give me an authorization number to give my specialist’s office. A few days later I get a call from my PCP saying the referral they did to the specialist was denied because Tricare removed them as my PCP in January and did not correct anything when I talked to them earlier! Next day I call Tricare, speak to a manager, and go through the whole story again. She also doesn’t know why I was transferred but gives me a new authorization number and promises it’s been corrected and my PCP is backdated to January. Then I have her check my daughters and yes, Tricare transferred them to Louisiana! She says she can fix that. Then I ask her to check on my husband to make sure he’s still assigned to TX and she refuses to talk to me any longer siting HIPAA laws. I tell her I’m not asking her to confirm anything with me just to make sure his PCP is correct and still in TX. She refuses and says that she can’t make any changes without speaking to him. Really! You can make changes to all of our PCPs, transfer us to Louisiana when we live in TX, all without talking to any of us, but you won’t fix the mistake you made without talking to him! I ask for her supervisor and she argues with me for a while then finally says okay. I’m on hold for 10 minutes when I finally hang up! Tricare as soon as I’m able to reenroll in medical at my civilian job, you’re out the door! Terrible customer service, hiding your mistakes behind HIPAA laws, and lying to me about fixing things when you really have no idea what you’re doing!
DON’T DROP YOUR CIVILIAN INSURANCE FOR TRICARE! This is only one example of the horrible issues we’ve dealt with in the three years with them!
Sincerely,
Really Ticked Off