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Actually, Tricare should cover the adopted child before the adoption is final, I believe there are federal laws in place which state as much. Coverage should start the minute you take legal custody.
Once you have custody and guardianship, which is what you will have between the time you take custody and the time the adoption is final, all you have to do is apply for coverage and show the documentation that you have saying that you are her guardian.
Its really very simple, although they will more than likely make you fight for it, Tricare is fun like that.
Maybe someone here can post reference to the law regarding insurance covering adopted children before finalization.
In some states, it takes more than a year to finalize, which is why laws like these were passed.