I have used Tricare Reserve Select the last 4 or so years. I prefer it over the Delta Plans but unfortunately I am retiring and have to go back to Delta's plans for 2014...at least until age 60 anyway. Tricare Retired Reserve premiums are too expensive to even consider. The TRS 2014 premiums are $204.29 a month for you and your family. Out-patient deductibles are really low. I also was able to keep my same doctors.