How TRICARE For Life and Medicare Work Together
- TRICARE For Life (TFL) requires enrollment in Medicare Part A and Part B to remain eligible.
- Medicare becomes the primary payer, and TRICARE For Life acts as secondary coverage.
- TFL helps cover Medicare deductibles, copays, and coinsurance, so out-of-pocket costs are minimized.
Steps to Ensure Continued TRICARE For Life Coverage
- Enroll in Medicare Part A & Part B when turning 65.
- If receiving Social Security benefits, enrollment is automatic.
- If not, apply through the Social Security Administration.
- Continue paying the Medicare Part B premium ($174.70/month in 2024, but varies based on income).
- No need for a separate Medicare Supplement or Part D Plan
- TFL acts as a Medicare Supplement and covers prescription drugs.
- No need for a separate Medicare Advantage or Medigap plan.
What If You Don’t Sign Up for Medicare?
- If your parent fails to enroll in Part B, TRICARE For Life will not provide coverage (except in rare cases overseas).
- They could face late enrollment penalties for Part B if they sign up later.
Important Medicare Deadlines for TFL Beneficiaries
- Sign up for Medicare during the Initial Enrollment Period (IEP) → 3 months before, the month of, and 3 months after turning 65.
- If still working and covered under employer insurance, they can delay Part B but must enroll within 8 months of losing employer coverage to avoid penalties.
Final Takeaway
If your parents have TRICARE For Life, they must enroll in Medicare Parts A & B at 65 to keep their TRICARE benefits. TFL will then cover costs Medicare doesn’t, making it an excellent health coverage combination. 🚀
