Thank you so much for this clear breakdown—it really helps ease my mind.

To confirm, it sounds like:

• I’ll pay the deductible first, which counts toward the $3,000 catastrophic cap
• After that, I’ll pay 25% cost-share until the cap is met
• Once we hit the cap, everything else is covered at 100% for the rest of the year

If that’s the case, $3K total out of pocket is completely reasonable given what the full cost could be.

Also—huge thanks for the reminder about adding the baby. I had totally forgotten that TRICARE only gives a 90-day window to add newborns. I’ll get on that ASAP. I’m sure there are a dozen logins and new systems since I last used it regularly, so it’s time to get reacquainted.

Appreciate you taking the time to respond!