Got approval after my primary insurance declined....it was easy...but you should know that changing to Tricare Prime does have a cost factor if you are in the "Retiree" group (annual enrollment fee for you and/or spouse/family). If you live near a military installation, like I do, they will normally require you to have all your medical care on post----which isn't really feasible because of the number of active duty/family members, etc. that have priority. I found this out the hard way when I was enrolled in Tricare Prime. Remember, cost shares/deductibles, etc. are different if you are not active duty or the spouse of an active duty soldier. Do call the Tricare phone number, those people are fantastic!!! They will stay on the line and help you until you decide that you don't want to talk any longer. Good Luck.