I have Tricare Standard and I am just now researching the process for banding and trying to make a decision. SO, I don't have a lot of info on Tricare except for what it provided in their literature. But regarding the 1400 psych eval, etc., this is extortion. I used to work in the medical field and I will tell ya'll this. You can negotiate all charges and you should. The bottom line is this, the doctor and surgeons want your insurance money more than they want your copays and co-insurances. If they think you are going to bail because their prices are too high, they will make adjustments pretty quick.