Was on Prime, but opted for Standard. May pay a little more (if I use it, if I don't I actually pay less due to no yearly fee). Standard gives you a lot more leeway on who you want for your doctor. Personally, I'm glad I don't have to visit the on base hobby shop for what ails me these days. Prime may not always require you to go on base, but if you live near an installation it may be the only option you're given. Case in point was some PT I required. Instead of going to a place two miles down the road from my house I was required to make the 40 minute drive to Eglin's base hospital. After changing to Standard I was able to go to the PT clinic of my own choosing.