What is TRICARE For Life?
Quick Answer
TRICARE For Life is Medicare-wraparound coverage for beneficiaries 65+ with Medicare Parts A and B. Medicare pays first, then TRICARE covers remaining costs with minimal out-of-pocket expenses.
Detailed Answer
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.
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.
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.
What is TRICARE Prime?
TRICARE Prime is a managed care health plan similar to an HMO that provides comprehensive coverage with a primary care manager, low out-of-pocket costs, and referrals for specialty care.