S.F.
H.,
2 of my kids see a therapist off base, and we have no co-pays or anything. All you need to do is either pick out a therapist and call TriCare and let them know who you'll be going to, or when you call to get approval for therapy, ask for a list of therapists. You can also check out TriCare.mil online and should be able to get a list of therapists that way. It's a pretty easy process, and TriCare hasn't given us any grief at all about it :)
Good luck to you both!
S.