{"id":58005,"date":"2016-09-27T19:36:59","date_gmt":"2016-09-27T19:36:59","guid":{"rendered":"https:\/\/one.sightlinemg.com\/navytimes\/uncategorized\/2016\/09\/27\/factor-in-health-care-when-picking-a-permanent-home\/"},"modified":"2026-08-08T10:02:53","modified_gmt":"2026-08-08T10:02:53","slug":"factor-in-health-care-when-picking-a-permanent-home","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/navytimes\/management\/pay-benefits\/military-benefits\/2016\/09\/27\/factor-in-health-care-when-picking-a-permanent-home\/","title":{"rendered":"Factor in health care when picking a permanent home"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">You&#8217;ve found your dream house in a beautiful location. You see yourself putting down roots, spending the rest of your life there.<br\/><br\/>But do you picture old age\u00a0\u2014\u00a0needing medical treatment for diseases such as diabetes, heart failure or chronic pain? What would happen if you fell, requiring an ambulance?<br\/><br\/>For most of us, medical services aren&#8217;t among the top &#8220;must-haves&#8221; for a retirement area or permanent home. But they should be, say AARP and physicians who specialize in treating seniors.<br\/><br\/>Because no matter how healthy a person is, everyone still needs a yearly physical and\u00a0medical tests\u00a0and access to doctors if they fall ill.<br\/><br\/><strong>Consider\u00a0quality care<\/strong><br\/><br\/>&#8220;Most people [looking for a retirement area] are thinking more about lifestyle, but it&#8217;s important to keep in mind that even though we are living much longer, we face the possibility of many medical issues, either acute or chronic, and we\u00a0need access to medical care,&#8221; said Dr. Marc Agronin, a geriatric psychiatrist and author of &#8220;How We Age: A Doctor&#8217;s Journey Into the Heart of Growing Old.&#8221;<br\/><br\/><\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">While military families, as well as retirees and their dependents,\u00a0have comprehensive health care coverage, they still should consider the quality of care and available\u00a0services, as well as which doctors take\u00a0Tricare, in places they are considering.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Transitioning veterans must be even more thorough, weighing their health insurance options, applying for Veterans Affairs health coverage if they are eligible, and determining whether they want to go to a VA hospital or clinic or select a home in an area covered by the\u00a0Veterans Choice program or some other VA community health care program.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Be real about your health<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Take stock of your<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><i>c<\/i><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">urrent health and be honest about any risk factors you may have for developing a disease, Agronin said.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Family history plays a role, as does a person&#8217;s lifestyle, habits and employment. Many former troops, for example, have\u00a0musculoskeletal injuries that may worsen as a body ages, requiring lifelong treatments and\/or pain\u00a0management.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Or veterans may have a military-related mental health condition that needs regular therapy or treatment. Agronin said finding quality mental health services is difficult in many parts of the country. Choosing an area that offers the type of care you think you&#8217;ll\u00a0need is a wise decision, he added.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Look for what they advertise in terms of specialty care, and make sure what you need is available where you want to go. It could be diabetes. It could be post-traumatic stress disorder,&#8221;\u00a0Agronin said.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Other specialists to consider:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Cancer treatments centers<\/li><li>Cardiologists<\/li><li>Orthopedists<\/li><li>Geriatric medicine doctors<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Most patients consider\u00a0the quality of their care to be as\u00a0important as\u00a0access \u200b\u2014 if not more important. Those trying to determine where to live can check out the <a class=\"\" href=\"https:\/\/www.medicare.gov\/\">Medicare.gov<\/a>website, which offers several features for exploring and comparing medical centers, from patient satisfaction surveys and standards indicators to success metrics and cost values.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Look at overall costs<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Speaking of cost,\u00a0military retirees and their families retain their health benefits when the sponsor leaves the service \u2014 but\u00a0cost\u200b\u00a0still counts, especially when it comes to getting the most out of health care dollars paid out under Tricare&#8217;s\u00a0\u200bcatastrophic cap.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For transitioning veterans, exploring the cost of medical care in a \u200bprospective location\u200b is an absolute must, as costs \u200bvary widely from state to state and factor heavily into an area\u2019s cost of living.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">The Kaiser Family Foundation, a non\u200bprofit focusing \u200bon national health issues, offers several resources at <a href=\"http:\/\/www.kff.org\" title=\"Link: http:\/\/www.kff.org\">www.kff.org<\/a>\u200b for determining the average health care costs in locations, including average cost comparisons by state.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">State and federal health exchanges also provide a wealth of information on health care costs for individual states as well as insurance options for those who don\u2019t have access to employer-sponsored insurance programs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Retirees also should keep in mind that when they become eligible for Medicare, they likely will pay a premium for Medicare Part B, which, along with enrollment in Medicare Part A, is a requirement to use Tricare For Life, the program that acts as a second payer to \u200bMedicare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">How much a retiree pays for Medicare Part B is determined by income level \u2014\u00a0not by location.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Stick close to a VA center or Tricare Prime area?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Transitioning veterans and military retirees with service-connected conditions may also consider whether they want to live near a VA facility to receive health care there.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And military retirees must decide whether they want to live within an area serviced by Tricare Prime, usually \u200bnear an operating military base, or use Tricare Standard, the traditional fee-for-service health program provided by the Defense Department.<\/p>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Either way, before signing a lease or buying a house, retirees and their family members will want to know whether Tricare Prime is available to them in their chosen destination or, if they plan to\u00a0use Tricare Standard, ensure that local providers and hospitals \u200baccept\u00a0Tricare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Family members&#8217; health is another factor<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Agronin also recommends\u200b that military personnel and retirees consider not only their immediate family&#8217;s health,\u00a0but the state of their parents&#8217; and in-laws&#8217;\u00a0health, too. The same steps for choosing one&#8217;s own retirement area or ultimate \u200blocation\u00a0should apply to deciding where Mom and Dad\u200b spend their final days. Inevitably, they will need care either close to their own homes or at the\u00a0veteran&#8217;s location.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Health care\u00a0might not be for your readers themselves. It could be for\u00a0elderly parents and loved ones who might need help,&#8221; Agronin said. &#8220;This is not meant to scare anyone or to suggest they curtail their dreams, but\u00a0just factor these issues into their planning.&#8221;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While no one likes to think about aging,\u00a0it can be done with grace and vitality, Argonin said. And having access to quality doctors and medical services near one&#8217;s home can contribute to a long, fruitful life, like it did for several of Argonin&#8217;s patients, who stormed Omaha Beach.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;My average patient currently is about 90, and many are very vigorous,\u00a0healthy and very much involved in life,&#8221; Agronin said. &#8220;To me, the greatest honor has been working with veterans. Some of the patients I\u2019ve\u00a0treated are veterans that may have been treated by my grandfather [an Army Air Corps surgeon in Okinawa]. Veterans deserve the absolute best in medical care.&#8221;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You&#8217;ve found your dream house in a beautiful location. You see yourself putting down roots, spending the rest of your life there.<\/p>\n","protected":false},"author":7,"featured_media":95519,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":79,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":[]},"categories":[79,15],"tags":[],"coauthors":[3244],"class_list":["post-58005","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-military-benefits","category-pay-benefits"],"acf":{"subheadline":"","legacy_arc_id":"OAM2W63DKVDJDA3CPXGQJ5NFZU","arc_canonical_url":"\/pay-benefits\/military-benefits\/2016\/09\/27\/factor-in-health-care-when-picking-a-permanent-home\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Factor in health care when picking a permanent home - Navy Times<\/title>\n<meta name=\"description\" content=\"You&#039;ve found your dream house in a beautiful location. 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