We purchased TriCare Prime when my husband retired. So everything would remain the same from A/D to retiree status. Since we were primarily concerned about our two daughters, we didn't look into much outside of their CF care. FYI, transplant is covered at 100%! We paid zero, out of pocket for a 3/4 of million dollar expense. We hit our catastrophic cap every year the year my oldest received her first tx. By year, I mean fiscal year. For example, the fiscal year starts over 1 Oct. we hit our cap in June that year and each year after that, we hit it a little earlier. When you hit your cap, your out of pocket expenses are zero, clinic visits, prescriptions etc. We had never hit our cap before that year and didn't know anything about what happens when you do, so it was a surprise when we went to the pharmacy and there was no charge. I called TriCare and they explained it to me. I highly advise, if available to you with reserve select, utilize the mail order pharmacy for meds that they carry. If you haven't noticed, the prices just went up on Feb. 1. My youngest daughter and her husband just discovered that little surprise when she had to get her inhalers filled at a network pharmacy instead of the base pharmacy, to the tune of $68 for two inhalers!