Well when you hit military retirement at least for me with Tricare (free) we don't need a referral and go to whatever Dr we want. You being in a military area shouldn't have a problem finding a Dr who takes Tricare. For a family its a $3K out of pocket co-pay then its free.
Active duty retired? Retired Reserve is over a grand a month for a family plan and 500 a month for just the service member. I really need to get on the VA stuff