Thanks all. It was a 95 year old retiree telling me about it. He might be a little out of touch with what the typical 42-ish year old retiree would need, or else I misunderstood him, which is also possible. My wife takes so many meds that the supplement usually pays for itself in the first three months. Sounds like my plan to go with Tricare Standard for the whole family makes sense. I had been using the MOAA supplement, but was told the Delta supplement might be better?