Tricare Prime VS standard HELP!

OK I have a question! I have tricare Prime now. I will be tring to get my Recontructive surgery... Abdominoplasty and thigh stuff done. What if they deny me? Can I switch to Standard and get it done and pay my 20% and they HAVE to pay the ohter 80%? Or does it still have to go through approval? I have no clue how Tricare works! Someone PLEASE HELP!!!!! ANYONE HAVE PS with TRICARE?

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