Living in South Florida we have opted to utilize TRICARE Prime since we don’t have a MTF. Having a PCM that puts the referrals in and gets them approved is critical. Sometimes it can be a real pain finding a specialist that will accept TRICARE. I did my research for my recent old guy issue (cataract), and if the top three surgeons I found only one accepted TRICARE. Fortunately he was the best of the bunch, and did a great job with the latest equipment. Now I have one bionic eye and one standard issue. Side note, pretty startling how your vision tints (yellow) over your life with your cornea aging.
Overall since retirement I’ve paid next to nothing under TRICARE Prime. Turned out to be a better decision for us.
We are still trying to be to decide “where is the forever home”. Leaning a lot towards a place in Tennessee and keep another in Florida. Time will tell.