Thanks Keith...although I've been using VA for my own issues, my wife's primary care is through Tricare so we don't want to lose our eligibility. Just a bit confused on what you said as far as paying Tricare premium which was cut in half (though you say I don't have to pay Tricare premiums). So are you still paying reduced Tricare premiums plus the monthly Medicare Pt B premium? Currently my Tricare Prime coverage covers myself and my wife, no kids.