Volume 7 • Number 5 T he National Defense Authorization Act (NDAA) is legislation that Congress must pass every year and that active duty, reserve component and military retirees pay close attention to because it contains legislative initiatives that affect all of them. This year, the House of Representatives passed its version of the FY2012 NDAA late last May, but as this is written, the Senate version is still being worked on. Of course, once the Senate finishes its version the two chambers must work out differences between the two bills so that they end up with one bill that is then sent to the President for his signature. September - October 2011 The Senate Armed Services Committee has approved its version of the FY2012 NDAA and it includes a range of personnel and compensation initiatives. Here’s a list of selected provisions: yy 1.6% military pay raise for 2012. yy Statutory limitation that the percentage increase in TRICARE Prime fees for FY2013 and future years will not exceed the percentage increase in military retired pay. yy Permission for modest increases in some TRICARE fees for FY2012: TRICARE Prime enrollment fee would rise from $230/$460 per year (single/family) to $260/$520; retail pharmacy copays would rise $2 or $3, depending on the medication; copays would be eliminated for generic drugs purchased via the TRICARE mail-order system; no yy yy yy yy yy change in brand-name medications via mail-order. Authority for service secretaries to call reservists to active duty for up to one year for preplanned and budgeted missions. Prohibition of barring reenlistment based on medical conditions that a physical evaluation board has considered and found the servicemember fit for duty. $30 million in Impact Aid support for schools with significant populations of military children. Authority for services to develop job training programs to prepare servicemembers for civilian employment. Additional voluntary separation and retirement incentive authorities to assist services experiencing (con't on page 3) Senate Bill Would Merge Commissaries and Exchanges: Would Likely Mean the End of Commissary System A few weeks ago the Senate Veterans Affairs Committee held a hearing on 35 bills affecting veterans that had been introduced into the Senate. One of those testifying at the hearing was a Marine Corps retiree from North Carolina. He told the Senators of his personal experience with the on-going issue of water contamination at Camp Lejeune, North Carolina. His testimony was riveting as he explained how his 9-year old daughter had passed away in 1985 from cancer that he believes was caused by the water at Camp Lejeune. He explained that she was the only one of his four daughters who was conceived, carried and born at Camp Lejeune. He went on to say that thousands of people who were stationed at Camp Lejeune sometime in their careers have been affected by this contamination and many of the sick have been virtually bankrupted by the expenses of the medical care required to combat the catastrophic illnesses they developed. It was explained that this issue has been going on for decades and that he has been researching it for 13 years. During his research he discovered the Department of the Navy and the Marines Corps have documents which “clearly reveal their leadership’s knowledge that our tap-water was contaminated nearly five years before they took any action to locate the source(s) and stop if from flowing.” He further stated that the documents he has uncovered “indicate there (con't on page 5) PRESIDENT’S COLUMN Mark Olanoff O ne of the issues I know we have all been concerned about for the past couple of years is the COLA, or in this case, the lack thereof. As you’ll see in the Report From the Hill, it looks as if there will be a substantial COLA this year of at least 3.5 percent. The bad news, of course, is that it means inflation has increased and the cost of everything has gone up. However, there is a discussion about the COLA going on in Washington, D.C. that you need to know about. One of the ways being talked about to deal with the massive federal budget debt is to change the way the COLA is calculated. Some bean counters there say a different formula to determine the COLA should be used that they say would more accurately reflect how people change their buying habits when prices increase. The changes they want would result in smaller increases in Social Security and military retiree pay and it would push taxpayers into higher tax brackets. This new COLA calculation, called the “Chained Consumer Price Index”, takes into account changes in buying habits as prices increase. For instance, an individual might watch more movies on TV instead of going to the theater when movie ticket prices increase. Or one might substitute margarine for butter, buy store brand food items instead of name brand items, travel less, stop running the air conditioning as much, or go to the doctor only in an emergency. This, of course, is outrageous. The purpose of the COLA is to give those who are on fixed income the same purchasing power when inflation makes each dollar worth less. To adopt this new calculation is totally at odds with the purpose of the COLA and will guarantee that those who are on a fixed income will have a poorer life style. You can rest assured AFTEA will fight to stop any plan to start using the new COLA and we will keep you advised on what is happening with it. B AFTEA Pine Belt Chapter 2 Chartered P ine Belt Chapter 2 of the Armed Forces Top Enlisted Association received its official charter on April 1, 2011. CSM (Ret) Rodger Ehrke, along with Chapter President CSM (Ret) Marion Walley and other chapter members celebrated the event at a breakfast meeting at the All Ranks Club on Camp Shelby Joint Forces Training Center, Mississippi. The Pine Belt Chapter currently has 32 members who meet each month for breakfast or dinner along with spouses at the club to support MWR funding for the troops. The Hattiesburg and Pine Belt areas have a long history with the military going back to 1917 when Camp Shelby was established as an induction and basic training facility for soldiers during WW1, WW2, and all wars up to Desert Storm. It has served almost continuously since then as a training site, not only for the reserve components of the Army, but also for the active components of the Army, Navy, Marine Corps, and Air Force. Camp Shelby has been operational at various levels to its current role as a premier mobilization/training site. The 158th Infantry Brigade and 177th Armor Brigade have posted their colors and provide pre-deployment training to National Guard and Reserve Forces deploying to support the war on terrorism. Being within 70 miles of Keesler AFB, Biloxi, and Naval Construction Battalion Center, Gulfport, as well as a variety of Reserve and Guard components -- the area has a large number of E-9’s that are very active in their community and support for military men and women. The Chapter has taken on the project of conducting a Veterans’ Day parade for the City of Hattiesburg and the Hattiesburg Veterans Committee to encourage the participation of High School Bands, JROTC, University of Southern Mississippi, Air Force and Army ROTC units as well as the area military affiliated organizations. Pine Belt Chapter 2 is off to an outstanding start under the leadership of CSM (Ret) Marion (Ossi ) Walley, who provides a “can do attitude” with a good helping of motivation. B 3.5 Percent COLA May Be In Your Future T he Consumer Price Index has been on the rise this year and that means retirees may finally be in for a healthy COLA this year. After two years of low or no inflation, it is suddenly on the rise. As a result federal, military and Social Security retirees are looking at a possible January cost of living adjustment of 3.5 percent. And if living costs continue to climb, the raise could be even bigger. As most retirees know, this would be the first inflationadjustment in two years and there is no doubt that retirees want and need the money. The last time military retirees got a raise was the 5.8 percent COLA they received in January, 2009. The amount of the COLA won’t be known and official until mid-October when the Consumer Price Index-W for the third quarter of this year (July, August, September) is announced. B Report from the Hill (con't from page 1) yy yy yy yy yy force reductions, including authority for a one-time “retirement bonus” for officers in selected specialties who volunteer to retire. Enhanced requirements for Yellow Ribbon Reintegration Programs to adopt best practices and improve collaboration. Requirement to pro-rate hostile fire and imminent danger pay on a daily rather than monthly basis. Extension of requirement for DoD surveys of provider participation in TRICARE Standard. Exclusion of TRICARE providers from consideration as government subcontractors (a recent Department of Labor ruling on this has caused some providers to drop TRICARE). Requires Uniformed Services Family Health Plan enrollees who turn 65 in FY2012 and future years to transition to Medicare and TRICARE For Life, but encourages DoD and USFHP to develop options for TFL-eligibles to continue in USFHP. Note: this provision only applies to new enrollees in FY2012 and future; all current enrollees (of any age) are grandfathered. Medicare/TRICARE Fix Still Needs to Happen For the past few months it’s taken a back seat to more prominent negotiations on raising the debt limit, but unless the law is changed, Medicare and military retiree TRICARE payments to doctors will be cut 30% as of this coming January 1. The big problem, just as it has been for the last 10 years, is the price tag for making the fix. According to the Congressional Budget Office a one-year fix will cost $22 billion. A permanent fix would cost almost $280 billion over ten years. One problem is that Congress hasn’t been paying much attention to the so-called “doc fix” because of all the other issues on its plate, including finding a way to raise the debt ceiling and avoid a national default. Part of that process is developing a package of major budget cuts large enough to convince a majority of legislators to vote for the debt ceiling hike. And as things have developed, multiple rounds of budget cuts have been negotiated this year. The first was during the time they needed to pass the final appropriations bills for FY2011. Next was during negotiations for raising the debt ceiling. The third round has been during the debates for funding the 2012 fiscal year. Any “easy” savings options will be long gone by the time Congress finally gets around to addressing the Medicare/TRICARE payment problem (which, if history is any guide, won’t be until November or December). And that means military and Medicare beneficiaries -- once again -- will be holding their breath at the end of the year, hoping Congress won’t allow a cut that would cause lots of doctors to drop them as patients. Senate Considers 35 Bills for Veterans The Senate Veterans Affairs Committee, led by Chairwoman Senator Patty Murray (D- Wash.) and Ranking Member Richard Burr (RN.C.) has been considering 35 bills that have been proposed by numerous members of the Senate to, as stated by Chairwoman Murray, substantially improve the lives of veterans and their families. Among those 35 bills were the following. S. 696 – Treatment of Vet Centers as Department of Veterans Affairs facilities for purposes of payments of allowances for beneficiary travel to Department facilities. This bill would require VA to provide veterans with a travel reimbursement for trips to Vet Centers that is equal to what they currently receive for travel to VA health centers. S. 894 – Veterans’ Compensation CostOf-Living Adjustment Act of 2011. This bill would mandate a cost-ofliving adjustment in the rates of disability compensation and dependency indemnity compensation payable for periods beginning on or after December 1, 2011. The COLA would be the same as the COLA that will be provided under current law to Social Security benefit recipients. S. 423 – Providing Authority for a Retroactive Effective Date for Awards of Disability Compensation in Connection with Applications that are Fullydeveloped at Submittal. According to the Department of Veterans Affairs, this bill would authorize a potentially retroactive award of disability compensation to a Veteran whose compensation application was fully developed as of the date submitted to VA. Another way of saying it is that the bill would provide an incentive for veterans to file these fully-developed claims by compensating them for a period of up to one year prior to the date the claim was filed. S. 491 – the Honor America’s Guard and Reserve Retirees Act. This bill would grant recognition as a veteran to members of the Guard and Reserve who serve a career of 20 years or more in the Reserve Components but who, through no fault of their own, never served on active duty orders for the required length of time to qualify as a veteran. This is a no-cost bill -- there are no new benefits conferred by this bill. S. 698 – Codifying the Prohibition against the Reservation of Gravesites at Arlington National Cemetery. This bill would prohibit, in law, the insider practice of allowing certain high-ranking military members and other VIPs to pre-select their gravesites (con't on page 4) Army Announces Site for National Museum T he Army has announced that the North Post of Fort Belvoir, Va., will be the site of the National Museum of the U.S. Army (NMUSA), scheduled to open in June 2015. Secretary of the Army John M. McHugh approved the decision the week of the Army’s 236th birthday. “In presenting the Army’s storied 236-year history, this long-overdue facility will offer the American people a unique opportunity to connect with our soldiers and better understand and appreciate their many and glorious stories,” McHugh said. “Now that a site for the Army’s museum has been determined, the development of the museum’s master plan can be finalized,” said Judson Bennett, Executive Director of the NMUSA project office at Fort Belvoir. Building of the museum will be funded privately through the Army Historical Foundation, a non-profit organization dedicated to preserving the Army’s heritage. Initial construction will include a multi-story, main museum building with exhibit halls, theater, Veterans’ Hall, food service and retail areas, administrative areas, an experiential learning center and a lobby with visitor reception area. The Army is currently the only service without a centralized museum. The Navy Museum is located at the Navy Yard in Washington D.C.; the Marine Corps Museum is located at the Marine Base Quantico in Prince William County, Va.; and the Air Force Museum is located at WrightPatterson Air Force Base, Ohio. For more information, contact Army Public Affairs at 703-697-5344. B Report from the Hill (con't from page 3) S. 815 – Sanctity of Eternal Rest for Veterans Act of 2011 (or the SERVE Act of 2011). This bill would guarantee that military funerals are conducted with dignity and respect. It would extend to civilian cemeteries the protections already provided in law for veterans’ cemeteries. It would also double the “No Protesting” window to two hours before and after funerals, increase protest distances for those grieving, toughen penalties for violation of the law, and permit family members and the U.S. Attorney General to sue violators for monetary damages. provides $530 billion to the Defense Department which is $8.9 billion below the amount requested by the Obama Administration for 2012. This includes $32.3 billion for the Defense Health Program which is $125 million more than the White House requested. The bill also includes a 1.6% pay raise for military personnel. The Chairman of the Defense Appropriations Subcommittee in the House of Representatives, Congressman C.W. Bill Young (R-Fla.), said it was difficult to write a spending bill that is $9 billion below what the President requested. He added, “I would have preferred -- and indeed I was fighting for -- a higher number for Defense. But in this time of financial crisis that our nation is facing, no one should be exempt from tightening their fiscal belts.” If you support any of these bills we encourage you to contact your own Senators and urge them to vote for them. House Passes the Military Construction/VA Appropriations Bill in Arlington National Cemetery. House of Representatives Works on Defense Appropriations One of the things that can be confusing for those interested in following important legislation in Congress is the fact that, unlike legislation for other departments of the federal government, the Department of Defense has two major bills: the defense authorization bill (which is discussed earlier in this report) and the defense appropriations bill. The authorization bill authorizes the various programs of DOD, and the appropriations bill funds them. The House has already approved its version of the authorization bill, and it is next working on its version of the defense appropriations bill. The House Appropriations Committee approved a defense appropriations bill that Congress decided a long time ago to group military construction bills with the Department of Veterans Affairs appropriations bill each year. We don’t know why they did it, but that’s what they do. For FY2012 the Military Construction/VA appropriations bill increases VA funding to a total of $127.8 billion (in addition to $52.5 billion in advance funding for VA health care in FY2013) while cutting military construction to $14 billion. That is a 16% cut below last year’s appropriation. (The cut was primarily based on fewer projects due to conclude at the end of BRAC.) Overall this is a $2.4 billion increase in VA spending. B Arlington Burial Records Discovered Off-Site,Investigation Underway R ecently the Subcommittee on Disability Assistance and Memorial Affairs of the House Veterans Affairs Committee held an oversight hearing to obtain an update from Arlington National Cemetery (ANC) on the problems that have plagued the Cemetery. It was disclosed at the hearing that boxes of records from the Cemetery had been discovered at an off-site public storage facility in June, when a bill for the facility went unpaid. The Committee requested information regarding this incident immediately upon notification. ANC officials confirmed that a total of 69 boxes were recovered, which included documents such as copies of grave cards, and other records directly related to the interment of veterans. The Army’s Criminal Investigation Division is now leading the investigation into why and how the boxes were moved and found outside of ANC. Subcommittee Chairman Jon Runyan described himself as “less than pleased with the lack of follow-up and public disclosure.” “It’s been a long year, and the new team at Arlington is unfortunately still finding problems. While much has been accomplished in just 12 months, there is still more hard work ahead. We have a responsibility to restore the trust and confidence in America’s most hallowed grounds and to close this dark chapter in the Cemetery’s history for good,” Runyan said. “This Committee is dedicated to providing support to the Department of the Army, the families of those buried at Arlington, the Veterans Service Organizations and all interested Americans to work together to ensure a much brighter future for Arlington National Cemetery.” “This developing situation is unacceptable, and the fact that this Committee still does not have answers two weeks into the investigation does not help to instill confidence in Arlington. We need to know are there other boxes left to be found? And what is the extent of this latest discovery?” asked Rep. Bill Johnson, Chairman of the Subcommittee on Oversight and Investigations, who attended the hearing. Over the past two years, troubles at Arlington have mired the reputation of the Cemetery—from the highly publicized problems with gravesite locations, low employee morale, and an IT system that was virtually non-existent despite several years of development and millions of taxpayers’ dollars. B Senate Bill Would Merge Commissaries and Exchanges: Would Likely Mean the End of Commissary System (con't from page 1) have been many obfuscations, halftruths, and outright lies disseminated by these two organizations and their leaders.” This retiree was testifying in support of S. 277, the Caring for Camp Lejeune Veterans Act of 2011, a bill authored by Senator Richard Burr (R-N.C.), which he called “a step in the right direction in rectifying this tragic situation.” AFTEA supported that bill, but we were shocked when we learned that the Veterans Affairs Committee subsequently voted unanimously, without notice or hearing, to fund the care by eliminating the federal subsidy for military commissaries and directing consolidation of all DoD commissaries and exchanges. AFTEA strongly opposes this sneak attack on the military benefit package. First, the Veterans Affairs Committee has no jurisdiction over and no knowledge of DoD commissary and exchange systems, which are under the purview of the Armed Services Committee. Second, they propose virtually dismantling the commissary system without any hearings or other effort to assess the adverse impact of such a dramatic cut to a core military benefit. There are good reasons why the Armed Services Committees, the members of which actually understand the commissary and exchange programs, have ardently rejected similar proposals for the last four decades. Third, they seek to poach DoD funds to pay for VA health care at a time when DoD personnel budgets already are under threat. AFTEA supports expanding VA care to cover Camp Lejeune veterans, but the Veterans Affairs Committee needs to find another way to fund it besides raiding the military commissary system. Make no mistake, without the federal subsidy, military commissaries would eventually go out of business, as prices would have to rise, and savings to customers would be lost. The commissary is one of DoD’s most cost-effective people programs. Every dollar of the subsidy translates to nearly three dollars of benefit value to patrons (and considerably more than that for lower-grade enlisted families). We urge you to contact your Senators and let them know you oppose S.277 because the way the Senate has chosen to pay for it would result in the death of your commissary benefit as you know it today. B Talking Renters Insurance to Your Kids A Message from Liberty Mutual Y ou’ve been your children’s source for insurance for 18 years or longer. But now they’re moving into their own apartments and should probably get insurance for themselves. But insurance isn’t exactly a burning issue in the minds of young adults -- even those who have lived on their own for a while. So if you want your kids to be properly insured, take the lead and explain the benefits in terms they can understand. Help them make an inventory of their belongings. Young adults often mistakenly believe that they do not own personal property worth insuring. True, they may not yet be collecting antiques or fine art, but in this high tech era, remind them that they own a computer and printer, smart phone, iPod, high definition or plasma TV, and digital camera -- not forgetting a closet full of designer clothes, a box of jewelry, or sporting goods. Show them how the value of their belongings adds up, that replacing them would be a huge financial burden if they were stolen, and that for as little as $20 a month, the cost of renters insurance is a bargain given the level of protection and sense of security it provides. Educate them about what a landlord’s insurance covers -- or doesn’t. Apartment dwellers often live with the false belief that, if an apartment building suffers fire damage, they are covered by the landlord’s insurance. But the truth is that only the building is protected -- not their personal belongings. The same rule applies to theft as well. Review the protection benefits that will appeal to their “on-the-go” lifestyle. Explain to your kids that renters insurance doesn’t stop when they leave their apartments, and that their personal property is also covered in their car, on vacation in a hotel room, and when they move to a new place. Give them examples of when they’d be happy they had Personal Liability coverage. Liberty Mutual Renters insurance also covers your kids if they accidentally damage someone else’s property or accidentally cause an injury. If they don’t think that will happen, ask them how they would pay for damage to a neighbor’s furniture and rug if their bathtub overflowed and water seeped into the apartment below. Or if a repairman slipped and fell on their recently waxed kitchen floor and sued them for his broken ankle. With these convincing arguments, your kids will thank you for making them see that the benefits of renters insurance far outweigh the expense. This information brought to you by Liberty Mutual, USI Insurance Services and the Armed Forces Top Enlisted Association. Our partnership with Liberty Mutual offers competitive rates and superior service to AFTEA Members. For more information or to request a quote, please call 1-800-524-9400 or visit us at www.libertymutual. com/aftea. Please mention client #117534 when you call. © 2009 Liberty Mutual Group. All rights reserved. B Understanding the TRICARE Prime Travel Benefit Program T here are times when a primary care manager (PCM) may need to refer patients to specialists outside their service area. Non-active duty TRICARE Prime and TRICARE Prime Remote (TPR) enrollees referred for non-emergency medically necessary specialty care more than 100 miles (one way) from their PCM’s office to the nearest specialist’s office may be eligible to receive reimbursement for reasonable travel expenses. The Prime Travel Benefit Program is meant to help enrollees with the travel-associated costs incurred for their recommended specialty care. The benefit is limited to specialty referrals when no other options for care are available within 100 miles of the PCM. Beneficiaries must have a valid referral from their military or civilian PCM. Military treatment facilities (MTFs) are responsible for validation of travel expenses and will issue travel orders for specialty referrals made by military PCMs. TRICARE Regional Offices (TROs) will validate the travel entitlement and issue travel orders for specialty referrals from civilian PCMs. Reasonable travel expenses include accommodations, food and transportation costs such as tolls and gasoline. Government rates are used to estimate the rate at which the expenses are reimbursable. High-expense travel costs, such as air fare and rental car fees require preauthorization. Beneficiaries are expected to use the least expensive method of transportation and are advised to keep all receipts during travel. They are also required to make their own travel and lodging arrangements unless the MTF or TRO arranges for government travel. The Prime travel benefit also allows for the reimbursement of travel expenses for one non-medical attendant to accompany the beneficiary and the attendant is entitled to reimbursement of actual travel expenses. Attendants must be at least 21 years old and can be a parent, legal guardian or other adult family member. The attendant can also be a companion who has been delegated a medical power of attorney (POA) by the patient or legally responsible party, but he or she does not need to be a TRICARE beneficiary or TRICARE-eligible. The beneficiary’s MTF or TRO can answer questions relating to the Prime Travel Benefit Program and will give instructions on which forms need to be completed for reimbursement. Beneficiaries can also visit www.tricare.mil and search “Prime Travel Benefit” after entering their profile for information customized according to their region. Please note that this information applies only to TRICARE Prime users. B Rocky Mountain Chapter 1 members enjoy an afternoon trip on the Royal Gorge Route Railroad AFTEA Wear and Accessories Officers & Directors Order Form and Price List Mark H. Olanoff, CMSgt USAF (Ret) National President Item Bernd Dela Cruz, CSM USA (Ret) Vice President Roger J. Ehrke, CSM USA (Ret) Vice President Charles Richardson, CMSgt USAF (Ret) Secretary Qty. Cost Baseball Cap (Black only) $25 Jacket (Red only) $57 Polo Shirt (White) $33 Polo Shirt (Blue) $34 Polo Shirt (Yellow) $35 Oscar R. Hinson, SGM USA (Ret) Treasurer AFTEA Patch $10 Oliver W. Estes, SGM USA (Ret) Director Coin Indicate Size (circle choice) William E. Spradley, CMSgt USAF (Ret) Director Add Shipping and Processing Vincent W. Patton III, MCPOCG USCG (Ret) Advisor for Sea Services Amount Enclosed Allow 6 - 8 weeks for delivery The AFTEA Alliance Publisher Mark H. Olanoff CMSgt USAF (Ret) Executive Editor Catherine Tavarozzo Managing Editor/Designer Sue Boyles $10 M L XL XXL (Add $2) XXXL (Add $3 Subtotal Mark K. Weeks, CMSgt USAF (Ret) Director is published bi-monthly by the Armed Forces Top Enlisted Association 1 (800) 808-4517 S Total Front Back Mail with check or money order to: AFTEA Wear and Accessories % Alan Wenzel 6638 Showhorse Ct. Colorado Springs, CO 80922 SHIPPING AND PROCESSING Subtotal: Add: $0 - $25.00 $7.00 $25.01 - $50.00 $9.00 $50.01 - $100.00 $12.00 $100.01 - $200.00 $15.00 $200.01 - $300.00 $17.00 $300.01 + $19.00 Name: ________________________________________________________ Address: ______________________________________________________ City: ______________________________ State: ______ Zip: ___________ Armed Forces Top Enlisted Association P.O. Box 90030 Washington, D.C. 20090-0030 Address Service Requested NONPROFIT US POSTAGE PAID LYNCHBURG, VA PERMIT 324 Report from the Hill. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . page 1 Senate Bill Would Merge Commissaries and Exchanges: Would Likely Mean the End of Commissary System. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . page 1 President's Column . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . page 2 AFTEA Pine Belt Chapter 2 Chartered . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . page 2 3.5 Percent COLA May Be In Your Future . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . page 2 Army Announces Site for National Museum. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . page 4 Retired Reservists Can Get DS Logons at TRICARE Service Centers. . . . . . . . . . . . . . page 5 Talking Renters Insurance to Your Kids . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . page 6 Understanding the TRICARE Prime Travel Benefit Program . . . . . . . . . . . . . . . . . . . . page 6
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