They are both good and bad. I liked Prime because our doctor's fall under their umbrella and the co-pay was affordable. But I HATED not being able to go to the doctor's I wanted to because the military had control over it. We now have Standard, but thats because we have another health care. We ended up buying health care through my husband's federal position. But I do like being able to pick my own doctor's, care, etc...but that may all be changing on us soon anyways. Hopefully not!