Chefguy - My sister worked for years, mostly for the insurance (the 6-figure salary didn’t hurt, but they didn’t need it). It was only after her retired-military husband’s death did she find out that she’d been eligible for Tricare the whole time. Because of his accepting some sort of early-out retirement, they thought she wasn’t covered.
One of my other sisters is also married to retired military. She has cancer now, and through the surgeries, the chemo, the tests, she hasn’t had to pay out of pocket.
StG