An official website of the United States government
Here's how you know
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 | Dec. 14, 2023

Q&A: How Does TRICARE For Life Work With Medicare?

By TRICARE Communications

Will you be eligible for Medicare soon? You may have questions about the different parts of Medicare and how they interact with TRICARE For Life (TFL).
 
“TRICARE For Life is Medicare-wraparound coverage. This means Medicare and TRICARE work together to coordinate your benefits and reduce your out-of-pocket medical costs,” said Anne E. Breslin, TRICARE For Life Program Manager. “You’ll pay nothing out of pocket when the services you receive are a benefit of both Medicare and TRICARE.”
 
TFL coverage is automatic if you have Medicare Part A and Part B. But what do these terms mean? And how does TFL work with about Medicare Part C and Part D? Read on to learn more.
 
Q: Who is eligible for Medicare and TFL?
A: Most people become eligible for Medicare the month they turn age 65, as described in the TRICARE and Medicare Turning Age 65 Brochure. You may be eligible earlier if you receive Social Security disability benefits or have certain other health conditions. To learn more about the impact of Medicare eligibility before age 65 on TRICARE eligibility, see the TRICARE and Medicare Under Age 65 Brochure.
 
TFL is available to military retirees and their eligible dependents who are eligible for TRICARE and have Medicare Part A and Part B. This is regardless of your age or where you live. TFL is an individual entitlement. This means family members who aren’t eligible for Medicare stay eligible for TRICARE Prime or TRICARE Select.
 
Q: How do I get TFL coverage?
A: Your TFL coverage automatically begins the first day that you have both Medicare Parts A and B. There are no TFL enrollment forms or enrollment fees.
 
To avoid a gap in your TRICARE coverage, make sure you’re enrolled Medicare Part A and Medicare Part B at least two months before you turn age 65. You can sign up for Medicare on the Social Security website or by contacting the Social Security Administration to set up an appointment.
 
Check out the TRICARE For Life Handbook to learn more about signing up for Medicare.
 
Q: What are the different parts of Medicare? Which ones do I need to have TFL?
A: You need to have Medicare Part A and Part B to have TFL.
 
Medicare Part A is hospital insurance. It covers inpatient costs for hospital care, skilled nursing facility care, hospice care, and some home health care.
 
Note: Most people are eligible for premium-free Medicare Part A if they or their spouse worked and paid Social Security taxes for at least 10 years. If you aren’t eligible for premium-free Medicare Part A, based on your own record, you may be eligible for Medicare on a current or former spouse’s record.
 
Medicare Part B is medical insurance. Coverage includes outpatient care, home health care, durable medical equipment, and some preventive services. Medicare Part B has a monthly premium based on your income.
 
You don’t need Medicare Part C or Part D to have TFL.
 
Medicare Part C refers to Medicare Advantage plans. Private companies contract with Medicare to offer these plans. Coverage includes Medicare Part A and Part B. Some plans also include vision, dental, and prescription drug coverage.
 
Medicare Part D is prescription drug coverage. Private companies contract with Medicare to offer these plans.
 
Q: What should I know about the optional parts of Medicare (Part C and Part D)?
A: With Medicare Part C, you may pay a monthly premium in addition to your Medicare Part B premium. If you choose to enroll in Part C:
  • You must get all nonemergency health services from that plan’s network of providers.
  • You may pay copayments at the time of service.
  • You may need to file paper claims for TRICARE to reimburse you for TRICARE-covered services you receive.
 
If you need dental and vision coverage, you may qualify to purchase this coverage through the Federal Employees Dental and Vision Insurance Program.
 
You don’t need to enroll in Medicare Part D to have drug coverage. With TFL beneficiaries remain eligible for the TRICARE Pharmacy Program.
 
If you enroll in Medicare Part D, you’ll pay a monthly premium. You’ll also need to follow your Medicare Part D plan’s rules for where to get prescriptions. Learn more about using Medicare Part D with TRICARE.
 
Q: Does Medicare or TRICARE pay first?
A: If both Medicare and TRICARE cover the service, TRICARE pays last. However, Medicare doesn’t cover all services that TRICARE covers. Be sure to check whether your health care services are covered by Medicare, TRICARE, or both, so you aren’t surprised by any out-of-pocket costs.
 
Q: What if I have other health insurance?
A: TFL pays after Medicare and other health insurance (OHI), such as insurance based on your or your spouse’s current employment. Find more information about how Medicare and TFL interact with OHI in the TRICARE for Life Handbook.
 
Be sure to explore all your options and enroll in Medicare at least two months before you turn 65 to avoid any gaps in TRICARE coverage. Keep your contact information up to date in the Defense Enrollment Eligibility Reporting System to ensure timely delivery of your TRICARE benefits.
 
Would you like the latest TRICARE news sent to you by email? Visit TRICARE Subscriptions, and create your personalized profile to get benefit updates, news, and more.
 
Surgeons wearing scrubs stand around machine in operating room.

DHA Hospitals Honored for Surgical Excellence

News
Nov. 27, 2024

The American College of Surgeons National Surgical Quality Improvement Program has recognized three Defense...
Read More
Man works on a laptop

TRICARE Open Season: Understanding Who’s Eligible

News
Nov. 26, 2024

It’s that time of year again—TRICARE Open Season is here. Open season, which began Nov. 11, runs until Dec...
Read More
Someone received their new COVID-19 vaccine in their arm

Get Your Updated COVID-19 Shot With TRICARE

News
Nov. 25, 2024

The new 2024–2025 COVID-19 vaccine is now available. Getting vaccinated helps protect not just you, but also...
Read More
Mother and child look at laptop

How To Schedule an Appointment Using the MHS GEN...

News
Nov. 21, 2024

Navigating your healthcare appointments at military hospitals and clinics is convenient with the MHS GENESIS...
Read More
Doctor checks a child's hearing

TRICARE Now Covers Hearing Aids for Children of ...

News
Nov. 20, 2024

TRICARE has recently expanded its hearing aid coverage to include eligible children of retired service...
Read More
Nationally Recognized Leapfrog Hospital Safety Grade A, Fall 2024.

Fifteen Military Hospitals Receive Leapfrog’s Hi...

News
Nov. 15, 2024

The Defense Health Agency announced 15 military hospitals got an “A” rating in Leapfrog Hospital Safety Grade...
Read More
Family looks at a phone

TRICARE Open Season 2024 Begins: Learn if You Ne...

News
Nov. 11, 2024

Have you considered changing your family’s TRICARE health plan for 2025? Now is your opportunity: TRICARE Open...
Read More
Uniformed service member stands and smiles with wife and child, as toddler waves to the camera.

Check Out Your 2025 TRICARE Health Plan Costs

News
Nov. 07, 2024

With 2025 just around the corner, you may be starting to consider your family’s health needs for next year...
Read More

Nov. 27, 2024

DHA Hospitals Honored for Surgical Excellence

The American College of Surgeons National Surgical Quality Improvement Program has recognized three Defense Health Agency hospitals for their outstanding surgical care.

Nov. 26, 2024

TRICARE Open Season: Understanding Who’s Eligible

It’s that time of year again—TRICARE Open Season is here. Open season, which began Nov. 11, runs until Dec. 10. During this period, most beneficiaries with TRICARE Prime or TRICARE Select can make changes to their health plan for coverage starting Jan. 1, 2025.

Nov. 25, 2024

Get Your Updated COVID-19 Shot With TRICARE

The new 2024–2025 COVID-19 vaccine is now available. Getting vaccinated helps protect not just you, but also your family members and fellow community members.

Nov. 21, 2024

How To Schedule an Appointment Using the MHS GENESIS Patient Portal

Navigating your healthcare appointments at military hospitals and clinics is convenient with the MHS GENESIS Patient Portal’s scheduling feature.

Nov. 20, 2024

TRICARE Now Covers Hearing Aids for Children of Military Retirees

TRICARE has recently expanded its hearing aid coverage to include eligible children of retired service members. This new coverage results from a new statute. It aims to improve access to life-changing medical technology and help eligible children of retired service members get the hearing aids they need.

Nov. 15, 2024

Fifteen Military Hospitals Receive Leapfrog’s Highest Safety Grade

The Defense Health Agency announced 15 military hospitals got an “A” rating in Leapfrog Hospital Safety Grade fall 2024 assessment. This grade reflects the DHA’s ongoing dedication to transparency and to provide high-quality, safe care to service members and their families.

Nov. 11, 2024

TRICARE Open Season 2024 Begins: Learn if You Need To Take Action

Have you considered changing your family’s TRICARE health plan for 2025? Now is your opportunity: TRICARE Open Season starts Nov. 11 and runs through Dec. 10.

Nov. 7, 2024

Check Out Your 2025 TRICARE Health Plan Costs

With 2025 just around the corner, you may be starting to consider your family’s health needs for next year. There may be changes to your TRICARE health plan costs starting Jan. 1, 2025. Depending on your plan, these costs may include enrollment fees, premiums, cost-shares, and copayments.

Nov. 5, 2024

Your Comprehensive TRICARE Open Season Checklist: Prepare for Nov. 11

TRICARE Open Season is right around the corner. This year, it runs from Nov. 11 to Dec. 10. Follow this detailed checklist to ensure you’re fully prepared.

Oct. 30, 2024

TRICARE Dental Program Premiums Decrease Effective Nov. 1

If you’re enrolled in the TRICARE Dental Program, your TDP monthly premiums will decrease for coverage effective Nov. 1. These new rates will remain in effect until Feb. 28, 2025.