How do TRICARE and Medicare work together?
Quick Answer
TRICARE For Life works with Medicare for beneficiaries 65+ who have both Medicare Part A and B, with Medicare paying first and TRICARE second.
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Detailed Answer
When you have both TRICARE and Medicare:
TRICARE For Life (TFL)
- Available at age 65 if TRICARE-eligible
- Requires Medicare Part A AND Part B
- No enrollment fees for TFL
- Must pay Medicare Part B premium
How It Works:
1. Medicare pays first (primary payer) 2. TRICARE For Life pays second 3. You have minimal out-of-pocket costs
Cost Example:
- Doctor visit with $200 charge:
- Medicare pays: 80% = $160
- TFL pays: 20% = $40
- Your cost: $0 (after Medicare deductible)
Before Age 65
- TRICARE is primary insurance
- Medicare is secondary (if you have it)
At Age 65
- Must enroll in Medicare Part B
- TRICARE becomes secondary (TFL)
- Medicare becomes primary
Important Requirements
- Must have Medicare Part A AND Part B
- Keep Medicare Part B premium current
- Register in DEERS
- Live in U.S. or territories
If You Don't Get Part B
- Lose TRICARE coverage
- No TFL benefits
- Only Medicare Part A coverage
Medicare Advantage
- Cannot use with TRICARE
- Must disenroll from Advantage to use TFL
- Keep Original Medicare (Parts A & B)
Prescription Coverage
- Use TRICARE pharmacy program
- Don't need Medicare Part D
- TRICARE covers prescriptions
Enroll in Medicare 3 months before turning 65 to avoid gaps in coverage.
Related TRICARE Terms
Related Questions
Who is eligible for TRICARE?
Active duty members, retirees, National Guard/Reserve members, their families, survivors, and Medal of Honor recipients.
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.
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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