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TRICARE Retiree Program

TRICARE Retiree Program Options

When you retire from military service, the National Guard or the Reserve, changes in your and your family’s TRICARE benefits will be affected depending on your options and age. If you are below the age of 65, choose a TRICARE program that will suit you and your qualified family members’ needs. Note that as you change status, information in your Defense Enrollment Eligibility Reporting System (DEERS) profile will need to be updated to reflect the changes.

Upon retirement, you can use any TRICARE program options for your family. If you choose TRICARE Uniformed Services Family Plan or TRICARE Prime, note that these plans require enrollment fees which may occur annually.

The annual enrollment fees for the TRICARE Prime program were increased by the 2012 Financial Year Act authorized by National Defense Authorization Act (NDAA). This was due to the adjusted annual cost-of-living. Medically retired service members and their dependents and survivors of military service deceased sponsors are exempt from the annual enrollment increment.

Military retirees aged 65 and older will have their health care coverage changed from TRICARE to Medicare & TRICARE for Life (TFL). Once you enroll in the TRICARE for Life program, your spouse will retain their TRICARE eligibility until they reach 65 years of age. If you need assistance or require additional information, call TRICARE for Life at 866-773-0404.

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9 comments

  1. I turn 65 in March 2017. I want to research this stuff way ahead of time.

    I am now on Tricare Prime. I have a 15 yr old daughter (who will be going to college). And I plan on re-marrying (now divorced) and having more children. My next wife will be under 30 yrs of age.

    Was wondering what options/prices do I have for health insurance for myself and family when I turn 65.

  2. I am a retired veteran.I am 72 yrs old.I am insured thru Medicare and Tricare for life. my question is can i go to a military hospital for my blood tests and X-rays.

    • Tricare.com Help

      TRICARE covers services that are medically necessary (To be medically necessary means it is appropriate, reasonable, and adequate for your condition) and considered proven. However, there are special rules or limits on certain types of care, while other types of care aren’t covered at all. See here for more information: https://tricare.mil/CoveredServices

  3. I would like to know ,how much pays Tricare pays for the medical Bill?, My understanding is:
    Tricare 75% ,beneficiary 25%.
    is this correct?

  4. I recently became eligible for medicare and Tricare for life…I am enrolled with deers, opted for medicare a and b, and have been told there is nothing else I need to do…however, how do I find out or know that my dr. bill has been submitted to Tricare? I have not received a Tricare explanation of benefits and the medicare explanation of benefits indicates only that my drs. charges have been applied to my deductible..it is my understanding that medicare is supposed to forward these claims to Tricare..how do I find out if that has been done?

    • Tricare.com Help

      Here is how it works:
      Your provider files your claims with Medicare.
      Medicare pays its portion and sends the claim to the TRICARE For Life claims processor.
      TRICARE For Life then pays the provider directly for TRICARE-covered services.
      You won’t receive a TRICARE wallet card, all you need is your Medicare card and military ID as proof of coverage.

      See here for more information: https://tricare.mil/tfl

      • thank you for the same information that I already had…my question is how or who do I speak or contact to find out if this has been done. the bills keep rolling in but I have yet to receive a Tricare for life explanation of benefits saying they have paid the claims.

  5. I was trying to research costs and started seeing enrollment fees for Tricare Select for retirees. When did this get approved that retirees who were promised free medical care would suddenly have to start paying for coverage? I was sent nothing in the mail…was it just going to be a surprise when I went to reenroll later in the year? What is the purpose of making individuals re-enroll in this program when we never had to before?

    I am feeling like even more of our care and benefits are being eroded…

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