Radius only encrypts the passoword.
http://www.cisco.com/en/US/tech/tk59/technologies_tech_note09186a0080094e99.shtml
RADIUS encrypts only the password in the access-request packet, from the client to the server. The remainder of the packet is unencrypted. Other information, such as username, authorized services, and accounting, can be captured by a third party.
TACACS+ encrypts the entire body of the packet but leaves a standard TACACS+ header. Within the header is a field that indicates whether the body is encrypted or not. For debugging purposes, it is useful to have the body of the packets unencrypted. However, during normal operation, the body of the packet is fully encrypted for more secure communications.