Do I need Medicare Part B with TRICARE?
Quick Answer
Yes, TRICARE beneficiaries must enroll in Medicare Part B at age 65 to maintain TRICARE For Life. Failing to enroll on time results in permanent premium penalties of 10% per year of delayed enrollment.
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Key Takeaways
- Medicare Part B is required to keep TRICARE For Life at age 65
- Late enrollment penalties are permanent at 10% per year of delay
- Enroll during your Initial Enrollment Period around your 65th birthday
- Part B premium is approximately $185/month in 2026
Detailed Answer
Medicare Part B enrollment is essential for TRICARE-eligible beneficiaries approaching age 65. Without it, you lose access to TRICARE For Life.
Why You Need Medicare Part B
- TRICARE For Life (TFL) requires both Medicare Part A and Part B
- Without Part B, TFL coverage is suspended
- Medicare becomes your primary insurance at age 65
- TFL acts as secondary coverage, filling Medicare gaps
Enrollment Timeline
- Initial Enrollment Period: 3 months before your 65th birthday, your birthday month, and 3 months after
- You should enroll during this 7-month window to avoid penalties
- Medicare Part A is usually automatic and premium-free if you paid Medicare taxes for 10+ years
Late Enrollment Penalties
- 10% premium increase for each 12-month period you were eligible but did not enroll
- This penalty is permanent and lasts for the rest of your life
- Example: If you delay 2 years, your Part B premium is permanently 20% higher
- There is no military exemption from this penalty
Medicare Part B Costs (2026)
- Standard monthly premium is approximately $185 (adjusted annually)
- Higher-income beneficiaries may pay more (IRMAA surcharges)
- Premium is typically deducted from Social Security payments
What Happens If You Don't Enroll
- TRICARE For Life coverage is suspended
- You will only have Medicare Part A (hospital coverage)
- All outpatient care costs become your responsibility
- Prescription coverage through TRICARE pharmacy may also be affected
Special Situations
- If you are still working at 65 with employer coverage, you may qualify for a Special Enrollment Period
- Overseas beneficiaries have different rules for Medicare Part B
- TRICARE pays primary for overseas care even without Part B
How to Enroll
- Visit ssa.gov or call Social Security at 1-800-772-1213
- Apply online, by phone, or at your local Social Security office
- Update your DEERS record with your Medicare information
Helpful Tips
- Start the Medicare enrollment process 3 months before turning 65
- Update your DEERS record immediately after receiving your Medicare card
- Never drop Medicare Part B once enrolled or you will lose TFL
Related TRICARE Terms
Related Questions
What is TRICARE For Life and who qualifies?
TRICARE For Life is Medicare wraparound coverage for TRICARE-eligible beneficiaries age 65+ who have Medicare Parts A and B.
How do TRICARE and Medicare work together?
TRICARE For Life works with Medicare for beneficiaries 65+ who have both Medicare Part A and B, with Medicare paying first and TRICARE second.
Should I choose TRICARE For Life or Medicare Advantage?
TFL with Original Medicare is usually better than Medicare Advantage because TFL acts as comprehensive secondary coverage with minimal out-of-pocket costs.
What do most military families add to their TRICARE coverage?
Supplemental health insurance is the most common addition — it covers dental, vision, and out-of-pocket costs that TRICARE leaves uncovered. Life insurance and a legal will are also highly recommended.
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