at6d

Second that. My wife had a major surgery ($120K +) last year. No issues and only the max out of pocket spent.

tanker

There is no yearly cap on the Regular Plan just a max out of pocket. So once you reach the $2500 max out of pocket (per family not individual) the Regular Plan pays 100% so Tricare ends up paying nothing. Until you reach the $2500 the Regular Plan pays 80% and Tricare will pay 20% of the remaining 20%. So for every $100 (after the $200/300 deductibles are met) the Regular Plan pays $80, Tricare pays $16, and you pay $4. Once you are out $2500 (which includes what Tricare pays so you really only end up out of pocket $500) the Regular plan will pay $100 of the $100.

at6d

....including chiropractic care! I used the hell out of that last year!

e6bpilot

No. That’s now how dual insurance works. I think you are also mistaking a catastrophic cap (or OOP Max) for a coverage limit. The catastrophic cap means YOU are done paying and they cover everything from there on out. A coverage limit means the opposite.
Tricare is secondary by law. Normally the insurance with the earliest effective date is secondary.
In my case, UHC is primary. I pay a $300 family deductible at the beginning of the year (it can be much less if your first few claims are pharmacy due to a technicality). From there on, my secondary policy (tricare) picks up my 20 percent coinsurance until I reach my out of pocket max of 2500 for UHC. Now, I didn’t pay that 2500, Tricare did. From there on, everything is covered 100 percent by UHC. The regular plan does not cover preventive, but Tricare covers it 100 percent. So, if a claim for a checkup or mammogram gets bounced by UHC, Tricare picks it up.
There are a few things I don’t like about the plan, but I pay $300/yr for a family of 6 in health care for the year. The annoyances are minor in comparison. That’s a huge savings over any other plan that I know.

e6bpilot

Yes. Unlimited chiropractor visits. Our most expensive plan doesn’t even have that.