I just switched from prime/no swa medical to regular/tricare retiree select (formerly standard) and so far it has been great. We have already had some major medical issues with kids this year and just being able to call any doctor without asking your PCM “mother may I” is worth a lot. Working with two insurances can be tricky, but most doctors offices are smart on it.
Tricare is always secondary by law, but it generally pays up to what it would have paid if it were primary which means you end up not paying a whole lot.