DT, yes you are correct Sir, two youngsters. And every day I spend with them is another day I reaffirm my decision to leave the Nav.

FSU/Gun,

Thanks for the clarification. I guess I was led astray. I had been told that information by more than one Tricare rep. The fact that they don't know their job only makes my decision to go with Anthem that much "mo better"

Happy Turkey Day!