TRICARE for Life and Medicare
Thank you for your service. If you're eligible for TRICARE and turning 65, or already have Medicare, it's important to understand how Medicare and TRICARE for Life work together.
How TRICARE for Life works
TRICARE for Life is coverage for TRICARE-eligible people who have Medicare Part A and Part B. It works alongside Medicare.
Medicare pays first
For services both programs cover, Medicare pays first and TRICARE for Life pays after, often leaving little or nothing for you to pay.
Part B is required
To keep your TRICARE coverage, you generally must have Medicare Part A and enroll in Part B and keep paying the Part B premium.
Pharmacy benefits
TRICARE pharmacy benefits continue with TRICARE for Life, so many members don't need a separate Medicare drug plan.
Turning 65? Don't miss this step
Missing your Part B enrollment can cause a gap in your TRICARE coverage and a Medicare late enrollment penalty. Plan ahead during your Initial Enrollment Period, the 7-month window around your 65th birthday.
- Confirm your Medicare Part A and Part B enrollment
- Keep your DEERS information up to date
- Understand how your current doctors and prescriptions are covered
Is a Medicare Advantage plan right for you?
Some people with TRICARE for Life look at Medicare Advantage plans, and many don't need one. Every situation is different. Let's review yours together so you can decide with confidence.
Military Retiree? Understand your options
A one-page guide to how TRICARE For Life works with Medicare, what some Medicare Advantage plans may offer, and what to consider before you decide. Print it or share it with a fellow veteran.
Download the Flyer (PDF)Questions about TRICARE for Life?
Pick a time that works for you. Consultations are 30 minutes, by phone or Zoom. There's no cost and no obligation.
Prefer to talk now? Call 478-304-3334.