Growing up as an Army brat and litterally turning in one ID card for another as an Air Force wife, I had no experience at all with healthcare plans. When we seperated, TRICARE was just implementing their plan for active duty personnel but I truly felt unprepared to use or understand how civilian healthcare plans worked when I became...(gulp) a civilian. Does this gap still exist when it comes to the seperation process? I was horrified when my 15 month old got pnuemonia and none of the doctors I called would take him as a new patient. I was terrified of the bill I might receive if I went to an emergency room. It took about 30 phone calls to find the person who is still my pediatricion today (12 yrs later and 2 more kiddos). I couldn't remember a time in my 24 years that I or my family had ever NOT been able to be seen by a doctor on base with just my military ID. It would have been nice to get some education on the process to locate a doctor, how deductibles work, when to use urgent care clinics vs ER at one of those briefings I attended before our seperation.