Before I reached Medicare age, I used Tricare Standard and a supplement. All the military support organizations offer a supplement - ask whatever org you already belong to. The plans are all very similar. I think mine was with MOAA.
When you are 65, Medicare and Tricare for Life are all you need.
Be careful of Villages Health. They only accept Advantage plans and will want you to enroll in theirs. Do not give up your Tricare, there are consequences down the road if you should try to switch back. There are many, many doctors and clinics here apart from Villages Health.
I don't understand your statement about a doctor charging more than Tricare Standard covers. If the doc accepts Tricare (and they all do) then they accept that as full payment. Your only obligation is the co-pay (unless you have the supplement.)
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