I'm late getting to this.. but I used to have tricare reserve select.. it was cheap, and I lived in a rural area of texas. Was still easy to find a provider. Just use the website, click the type of care you need and it will show you what is available near you. But call ahead and verify if that office is still taking tricare.
From what I've seen, if you are in a major metro area, especially in close proximity to military facilities, it's not a big deal. The further you are from a major metro, the more difficult it is to find a tricare provider - especially one who is accepting new patients. The problem is 2-fold, less provider density and less incentive to sign on as a provider with yet another insurance plan (and one that has relatively fewer patients). They have/had a few quirks as I remember (didn't cover chiropractic at the time), but was roughly as good as my civilian employer's insurance overall. My ex, in a rural area, couldn't find a provider in network in a reasonable commuting distance. This info is from the 2014-2017 timeframe, YMMV.
TRS has been phenomenal for my family and me. I work for a large multinational corporation and our insurance plan doesn’t hold a light to it. We can see just about any doctor we want and everything is very affordable for us. There’s a map on the TRS website to find providers.
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