Sorry, I misread this, and got the impression you were saying you din't have TriCare due to mentioning both Select and Prime in the same sentence: I am not on TriCare Select for Retired. I have a 20% copay for everything now. I could be on Prime and not have that 20% but I want to bigger network so I pay more.
I'm also on TriCAre, but unlike you (apparently) I didn't do all my time active duty, so I had to wait until 60 to draw.
I'm grateful for the government assistance with my insurance, it allowed both my wife and myself to retire early and not have to worry about insurance.
Unlike an active component retiree, I had to pay health insurance premiums, along with co-pays, for most of my adult life, plus chunking away 1/4ish of my pay for retirement, again something I've often found the active component retiree often doesn't get.
Empathy doesn't mean sympathy, it simply means trying to look at things from the other person's perspective. Generally if both sides look at things with an empathetic mind, they can find middle ground to work from. Spotting the dogmatic response doesn't generally get you there.

