You didn't say if you were a TR or an AGR, but I'm assuming TR.

I asked the same question a year ago. I got confusing answers, but as best I understand it, you get medical coverage for you and any qualifying DEERS dependent(s) at any military facility on a space-available basis, after you turn 60. The rule you avoided in your opening (90-days, and how it affects early pay-out) does NOT give early medical--that I'm sure of.

I think you can buy some kind of tricare supplement to go to your local docs if you don't live near a mil facility.

That's why (space-a) you see all those old retirees sitting around in the clinic or hospital all day. They only get seen when everyone else is done.

Which for me, means eventually I'll have two almost worthless benefits: free medical from the USAF, and free passes on UAL. I'll be in line so long, I'll forget why I was there in the first place.

(And, you can get a USAF retirement calculator on-line; I think I got mine from AFRPC. But rick is right: the Navy one should work as well).