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What is TRICARE For Life and who qualifies?
Quick Answer
TRICARE For Life is Medicare wraparound coverage for TRICARE-eligible beneficiaries age 65+ who have Medicare Parts A and B.
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Detailed Answer
TRICARE For Life (TFL) provides comprehensive healthcare coverage as a supplement to Medicare:
Qualification Requirements
- Age 65 or older
- TRICARE-eligible (retiree or family member)
- Enrolled in Medicare Part A AND Part B
- Live in the U.S. or U.S. territories
How TFL Works
- Medicare pays first
- TRICARE pays second (fills most Medicare gaps)
- Minimal out-of-pocket costs
- No enrollment fees for TFL
- Must pay Medicare Part B premiums
Coverage Details
- Doctor visits and hospital care
- Preventive services
- Prescription drugs (through pharmacy program)
- Skilled nursing care
- Durable medical equipment
- Mental health services
Benefits of TFL
- Comprehensive coverage with minimal costs
- Freedom to see any Medicare provider
- No network restrictions
- Covers Medicare deductibles and copays
- Works overseas (TRICARE pays primary)
Enrollment Process
- Automatic enrollment when you turn 65
- Must enroll in Medicare Part B
- Update DEERS with Medicare information
- Receive TFL card in mail
Important Notes
- Must maintain Medicare Part B to keep TFL
- If Medicare Part B lapses, TFL ends
- Different rules apply if living overseas
- Spouses qualify at 65 regardless of sponsor's age
Pharmacy Coverage
- TRICARE Pharmacy Program
- Medicare Part D not needed
- Use military pharmacies, TRICARE network, or home delivery
TFL provides excellent coverage with minimal costs, but maintaining Medicare Part B enrollment is essential.
Related TRICARE Terms
TRICARE For Life(TFL)
Medicare wraparound coverage for TRICARE-eligible beneficiaries age 65+.
Beneficiary
Person eligible to receive TRICARE benefits.
Defense Enrollment Eligibility Reporting System(DEERS)
Database of all individuals eligible for military benefits.
Copayment
Fixed amount you pay for covered services.