The only Tricare that was worth a hoot was Tricare Reserve Select and only for the following reasons:
$240/mo for a family with a low out of pocket max
Go to any doctor who takes it
No PCM playing mother may I with referrals vs prime.
I miss it only because while DALs insurance is "better on paper" excluding cost, I never had to fight to get covered items or medications approved.
Where's on DPMP (Delta's highest tier plan) this has been my current fight that will likely land me on STD/LTD.
-Get a really bad case of tennis elbow. 14mm tear. Orthopedic surgeons (3) determine surgery is best fix.
-Surgical authorization denied until other less invasive treatments are tried. They would be valid options with a sub 8mm tear.
-Burn 35ish hours sick because arm hurts too bad to fly for a week post injection (the non surgical treatment)
-Surgery is counter indicated within 6 weeks of last injection as it can weaken tendon attachments.
-Schedule surgery 6 weeks to the day after the 3rd shot with no improvement.
But of course, I ended up with 3x torn/detached extensor tendons (mallet finger) , two partial one full detachment when the combination of having to adapt around the torn ulnar tendon and the injections living up to a common side effect, now mean out of work 6-8 weeks minimum, with one finger in a hard splint (the severed tendon in ring finger) and a soft splint on index and middle fingers.
On Tricare Reserve it would have been surgery approved in 48h or less and back at work in 2 weeks.
But TRS when living in a heavy military area was the nice combo of cheap premium, low out of pocket, reasonable catastrophic cap and unlike UMR/Delta, no non MD rent seeking middle man making it worse so their metrics look better.