What is TRICARE For Life and who qualifies?

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.