What is TRICARE For Life?

TRICARE For Life (TFL) is a Medicare-wraparound coverage program that provides comprehensive healthcare benefits for TRICARE-eligible beneficiaries who are age 65 or older and enrolled in both Medicare Part A and Part B. TFL works as a secondary payer after Medicare, meaning Medicare pays its share first and then TRICARE pays most or all of the remaining costs, resulting in minimal out-of-pocket expenses for the beneficiary. There is no enrollment fee for TFL itself, but beneficiaries must continue paying their Medicare Part B premium. TFL enrollment is automatic once the beneficiary turns 65 and has Medicare Parts A and B, provided they are registered in DEERS. TFL covers doctor visits, hospital care, preventive services, mental health care, and most Medicare-covered services. Prescription drugs are covered through the TRICARE pharmacy program rather than Medicare Part D. For care received overseas, TRICARE pays as the primary insurer since Medicare does not cover services outside the United States.