I declined company medical--here is why, and the bad thing about it--Tricare is the insurance of last resort--If you have any other insurance--they expect it to pay first...I do have the company Dental and Vision Family plans--so that is nice--However with the change in the Tricare Prime Service area--I am on the hook for more-which sucks..When I can afford it, I will consider going back on the company plan--I think it is probably a bit more full service--but MUCH more spensive..1st year pay not conducive..So positives and negatives for both...