An official website of the United States government
A .mil website belongs to an official U.S. Department of Defense organization in the United States.
A lock (lock ) or https:// means you’ve safely connected to the .mil website. Share sensitive information only on official, secure websites.

News | April 7, 2022

Do You Need All 4 Parts of Medicare for TRICARE For Life?

By TRICARE Communications

Do you have Medicare, or will you soon be eligible to enroll? Medicare has four parts: A, B, C, and D. It’s important that you understand how each part differs and which parts you’ll need for TRICARE For Life (TFL).
 
TFL provides secondary coverage to Medicare, which is known as Medicare-wraparound coverage. TFL is an individual entitlement. This means it’s only available to military retirees and their eligible family members who qualify for Medicare. TRICARE enrollments for family members who aren’t eligible for Medicare remain the same.
 
Here’s what you need to know about the four parts of Medicare.
 
Medicare Part A: Hospital Insurance
You need Medicare Part A to have TFL coverage. Medicare Part A is hospital insurance funded through payroll taxes. It helps provide coverage for:
  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Some home health care
  • Hospice care
 
Most people become eligible for premium-free Medicare Part A at age 65 if they worked and paid Social Security taxes for at least 10 years. If you aren’t eligible for Medicare Part A based on your own work history, you may be eligible based on your spouse’s work history. What if you aren’t eligible for premium-free Medicare Part A based on your own or your spouse’s work history? Check out the TRICARE and Medicare: Turning Age 65 Brochure for instructions on how to remain TRICARE eligible after you turn age 65.
 
Some people become eligible for Medicare before age 65 based on a disability or a health condition. Some qualifying conditions include end-stage renal disease or Lou Gehrig’s Disease. Check out the TRICARE and Medicare Under Age 65 Brochure for instructions on how to remain TRICARE eligible when you become eligible for Medicare before age 65.
 
Medicare Part B: Medical Insurance
You also need Medicare Part B to have TFL coverage. Medicare Part B is medical insurance funded through monthly premiums. It helps cover:
  • Services from doctors and other health care providers
  • Outpatient care
  • Home health care
  • Durable medical equipment (wheelchairs, walkers, and hospital beds)
  • Preventive services (screening, vaccines, and yearly wellness visits)
 
As outlined in the TRICARE and Medicare: Turning Age 65 Brochure, the Medicare Part B premium is based on your income and is taken from your monthly Social Security retirement or disability payment. If you aren’t receiving either of these payments, you’ll receive a bill every three months for your premiums.
 
Both Medicare Parts A and B make up Original Medicare. If you’re eligible for Medicare Part A, you must have Part B to have TFL coverage. This requirement doesn’t apply to active duty family members or to individuals who’ve been enrolled in the US Family Health Plan continuously since Oct. 1, 2012.
 
“You should sign up for Medicare Part A and Part B when you’re first eligible, to avoid a break in your TRICARE coverage, or having to pay a penalty,” said Anne Breslin, TRICARE For Life program manager at the Defense Health Agency. “If you sign up for Medicare Part B after your Initial Enrollment Period, you may have to pay a late enrollment premium penalty for as long as you have Part B.”
 
The only way you won’t have to pay the late enrollment penalty when you delay your enrollment in Medicare Part B is if you qualify for a Special Enrollment Period.
 
The other two Medicare Parts (C, D) are optional. You don’t need them to have TFL.
 
Medicare Part C: Medicare Advantage
Medicare Part C refers to Medicare Advantage plans. This is optional coverage offered by private companies that contract with Medicare. A Medicare Advantage plan must cover Medicare Part A and Part B services. These plans may offer you additional benefits not covered by Medicare or TRICARE. And about half of the Medicare Advantage plans include Medicare Part D drug coverage.
 
Considering enrolling in a Medicare Advantage plan? You should be aware of the following: You may pay a monthly plan premium, plus your Medicare Part B premium. You’ll also have to pay copayments at the time of service. This means you’ll have to file a claim with TFL to be reimbursed for any copayments. TRICARE can reimburse you for copayments for TRICARE covered services. You must also get health care services from the Medicare Advantage plan’s network of providers, with the exception of emergency services.
 
Medicare Part D: Prescription Drug Coverage
Medicare Part D helps cover the cost of prescription drugs. However, you don’t need Medicare Part D. TFL beneficiaries remain eligible for the TRICARE Pharmacy Program. This means you still have the same pharmacy options to fill your covered prescriptions.
 
If you sign up for Medicare Part D, it’s important to remember that Part D has a monthly premium which varies depending on which plan you choose. Medicare Part D coverage and costs can change each year, so it’s important to review your options annually. If you get Medicare Part D, it would be the primary payer for your prescription medication. And the TRICARE Pharmacy Program would be the last payer for all TRICARE covered prescription drugs.
 
You have different options for your Medicare coverage. But remember, you only need Medicare Part A and Part B to have TFL coverage. You can learn more about TFL eligibility and the four parts of Medicare by checking out Becoming Medicare-Eligible on the TRICARE website.
 
Would you like the latest TRICARE news sent to you by email? Visit the TRICARE Subscriptions page today, and create your personalized profile to get benefit updates, news, and more.
Service member stands behind optometry equipment

Keep an Eye on Your Vision Health With TRICARE

News
Jun. 10, 2025

About 11 million Americans over age 12 need vision correction, according to the CDC. Do you know if you’re one...
Read More
Woman sits at desk in front of papers, notepad, calculator, glasses, and laptop.

Unlock Your Health: How to Report Fraud and Abus...

News
Jun. 05, 2025

Health care fraud and abuse harms everyone. TRICARE is committed to protecting the health information of...
Read More
Woman writes at a desk.

Your TRICARE Checklist for Moving

News
Jun. 03, 2025

Are you preparing to move to a new location? Now is the best time to make sure your TRICARE benefits are ready...
Read More
Three uniformed service members and a fourth person stand smiling and at the camera and holding a pug.

Unlock Your Health: How To Get Mental Health Car...

News
May. 29, 2025

Mental health is a vital part of your overall well-being. Whether you’re having difficulty managing day-to-day...
Read More
Woman smiles while working on a laptop.

Learn About TRICARE Health Plan Options for Youn...

News
May. 22, 2025

As graduation season arrives, TRICARE-eligible young adults and their family members should understand how...
Read More
Service member examines medication at a military pharmacy.

Getting Prior Authorizations for TRICARE Prescri...

News
May. 20, 2025

When you’re covered by a TRICARE health plan, you also have pharmacy coverage through the TRICARE Pharmacy...
Read More
A man poses for a photo in a maintenance shop with a saw table behind him.

TRICARE Is Your Partner in Mental Health Care

News
May. 14, 2025

Suicidal thoughts can be experienced by anyone and are a serious mental health concern. If you or someone you...
Read More
Dentist and pediatric patient give thumbs up.

TRICARE Dental Program Offers Comprehensive Care...

News
May. 13, 2025

Did you know that oral health has important links to your overall health? That’s why it’s especially important...
Read More

June 10, 2025

Keep an Eye on Your Vision Health With TRICARE

About 11 million Americans over age 12 need vision correction, according to the CDC. Do you know if you’re one of them? Getting routine eye exams to monitor your eyesight can help detect and prevent eye diseases early.

June 5, 2025

Unlock Your Health: How to Report Fraud and Abuse With TRICARE

Health care fraud and abuse harms everyone. TRICARE is committed to protecting the health information of service members, retirees, and their family members. You can help by knowing how to spot fraud or abuse—and by reporting it when you see it.

June 3, 2025

Your TRICARE Checklist for Moving

Are you preparing to move to a new location? Now is the best time to make sure your TRICARE benefits are ready to move with you. Here’s a TRICARE checklist to help you prepare for your move and what you may need to do after you get to your new location.

May 29, 2025

Unlock Your Health: How To Get Mental Health Care With TRICARE

Mental health is a vital part of your overall well-being. Whether you’re having difficulty managing day-to-day stress or navigating more complex challenges, TRICARE offers mental health support when—and where—you need it.

May 22, 2025

Learn About TRICARE Health Plan Options for Young Adults

As graduation season arrives, TRICARE-eligible young adults and their family members should understand how this milestone affects their TRICARE health coverage. Here’s what you need to know about TRICARE health plan options for young adults.

May 20, 2025

Getting Prior Authorizations for TRICARE Prescriptions: Your Questions Answered

When you’re covered by a TRICARE health plan, you also have pharmacy coverage through the TRICARE Pharmacy Program. You should be familiar with certain terms that can help you make the most of your pharmacy benefit, including prior authorization. Prior authorization is a routine process to ensure your prescription drug is medically necessary and cost effective.

May 14, 2025

TRICARE Is Your Partner in Mental Health Care

Suicidal thoughts can be experienced by anyone and are a serious mental health concern. If you or someone you know is struggling, reach out. Help is available, and TRICARE is here to support you.

May 13, 2025

TRICARE Dental Program Offers Comprehensive Care for Children

Did you know that oral health has important links to your overall health? That’s why it’s especially important that children get proper dental care from an early age. This helps them maintain healthy teeth and gums throughout their lives. The TRICARE Dental Program provides dental coverage for eligible children of service members, helping your children access important dental care.

May 9, 2025

Military Nurses: An Inspiring and Extraordinary Ready Force

Military nurses have an unwavering commitment to advancing our health and wellness to ensure that every service member is fit to fight, that our medical teams are trained and ready, and that our families receive the care they deserve. This week, we honor the strength and dedication of the extraordinary professionals who serve both our country and warfighters with unwavering courage. Whether they are on the frontlines, in field hospitals or at military medical centers around the world, their commitment to care under the most challenging conditions inspires us all.

May 7, 2025

Defense Health Agency Announces TRICARE Prime Demo in Atlanta and Tampa, Competitive Plans Demonstration Options Starting in 2026

Do you live in the Atlanta, Georgia or Tampa, Florida metropolitan area? Your TRICARE health plan options are about to expand. Starting in January 2026, the TRICARE Prime Demo by CareSource Military & Veterans will bring more choices to eligible beneficiaries. Enrollees will get care from CSMV’s network of primary and specialty care providers.