I am a retired Air Force Captain. I was diagnosed with cancer in 1987 retired in 1988. I have never had any problem finding medical treatment using TRICARE. Maybe that is because a large portion of military retirees stay in Texas.
I have no problem paying more for copays.
I receive a retirement from the USAF, a VA pension, and was able to work full time for the last 25 years. Most military retirees work full time.
I still accept some referals from the VA in Dallas. My experience with federal employees is different than what most people are describing.
Most I have found there to be very dedicated and courteous. Not all, but most. Shalom
Tricare is not accepted by the majority of doctors in my area, and that is true in a lot of places (multiple areas in multiple states).
It is not the increase in copay that most can't "handle", it is the principle AND the increase.
And, read it carefully...once you turn 65, or 66 (can't remember and don't want to get a joe4)...you will have
to buy into medicare. That is not in the "original plan"...(i.e., the contract you signed). So, your cost will eventually go up more.
The fact that most military retirees work isn't really relevant to military retirement or medical benefits.
I know a lot of very dedicated federal employees - most of which hit seriouse burn out b/c they are shoveling sand against the tide. I have also seen - up close and in person - a very wide variety of many facets of federally funded departments in different states, and their contractors...and it is near incomprehensible how much "dead weight" there is. That doesn't mean some aren't doing their job...those are the ones that will need an "office visit".