One Opinion
I've been using Tricare Standard for 13 years. The couple of years I had the MOAA supplement, I didn't benefit from it and quit using it. I have only maxed out Standard one year when my wife had multiple surgeries and complications. I still don't use a supplement and don't feel a need for one. Typical family with 2 kids and good health during that time. No major health issues that would require extraordinary care or monitoring. Finally empty nesters (1 still in college) and definitely no need for supplement. We do have a very capable network in our area. Make sure you take a close look at what the supplements pay and when. For my family, they were an expense that we never recouped.