I know exactly how you feel. But between Tricare and USAA's Scott Halliwell (of "Ask Scott" fame) we sorted it out:
Tricare, vehicle insurance, and uninsured/underinsured motorists | Military Retirement & Financial Independence
That post has already shot to the top of the "most popular" list, despite being only five days old, and traffic has been way up this week. I appear to have tapped into some sort of customer demand there.
Hey, we wrote the book on this board. Take a look at WorldCat.org to see if "The Military Guide" is at a library near you.
The biggest challenge to the 4% SWR has been concern over avoiding the failure risks. The best way to avoid failure is by annuitizing a portion of retirement income and being willing to reduce spending during bear markets. You and your spouse, with your multiple COLA'd pensions and medical insurance, have won the game in the third quarter-- and now you may be just running up the score.
One way to feel better might be to have her beat the crap out of FIRECalc. Another way might be to take her through Bob Clyatt's "Work Less, Live More" and its 4%/95% variable-withdrawal scheme. A third way could be a membership to FinancialEngines.com, where she can spend literally hours entering data and tweaking every possible parameter of investments, taxes, and projected inflation.
Of course she could also read the book and the blog.
I think that's correct, and until you start Social Security you have to pony up for Part B via some sort of checking-account deduction. (I haven't queried DFAS, but maybe you could even do it by allotment.) Once you start SS it's automatically deducted from that payment.
One area I'm ignorant about is whether TFL requires copayments for doctor visits and prescriptions. I think we have at least one poster on TFL now, so maybe they can tell us how that works.
Here's an interesting tidbit of military trivia. The front of my blue military retiree ID says "INDEF" for its expiration date. However the fine print on the back says "EXP DATE 2025SEP30", which is the month before I turn age 65. It's done that way to force us retirees to make one last visit to our personnel offices in order to sign up for Medicare & TFL-- and to get a new ID card.